??!
1 photo
Tic:Toc Home Loans

Tic:Toc Home Loans

4.2 from 197 reviews

Reviews

(141)
(16)
(5)
(7)
(28)
  • Transparency
    4.3 (127)
  • Customer Service
    4.4 (134)
  • Loan TypeVariable Rate (110) · Fixed Rate (10) · Split (2)
  • Application Process
    4.2 (134)
  • Timeliness
    4.3 (130)
  • Loan used for
    • Refinancing (64)
    • First Home (18)
    • Second Home (11)
    • Investment Property (11)
    • Renovation (1)
  • Loan Term26.472 years (53)
  • Online Tools
    3.8 (44)

Easy Home Loan Approval

published

We were very happy with Ryan Darling. Our loan was approved quickly and we received precise instructions on exactly what information we needed to send. Overall, a positive experience that we can recommend.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forRefinancing
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc

Hi Andrew, thanks for the feedback on your experience with Ryan - we'll pass on your kind words to him and the team. Please let us know should you have any questions, and welcome to Tic:Toc! ~ Bailey

camila c.

camila c.Sydney, NSW

  • 2 reviews

Great credit assessor experience!

published

Ryan has provided me an excellent service! He was very thorough and straight forward with the sets of questions he asked so it wasn’t hard to provide him the information he needed in order to assess my financial capacity. The only downside that I’ve probably encountered is the manual handling of loan documents it still needs to be posted to their Legal entity. I hope this will be digitalised soon especially now that we are facing an unprecedented situation now where less contact is necessary.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forRefinancing
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc
Saskia Lacey

Saskia LaceySouth East Queensland, QLD

  • 2 reviews

No common sense. Backwards thinking

published
Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan used forSecond Home
See all answers
2 comments
Tic:Toc
Bailey U.Tic:Toc
Saskia Lacey
Saskia Lacey

It seems one thing you do not use when assessing applications in common sense.

Home Loans

Find out how Tic:Toc Home Loans compares to other Home Loans

Know better, choose better.

Compare all
Dustin H.

Dustin H.South East Queensland, QLD

Very Slow. Very Incompetent. False Advertising

published
Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan used forSecond Home
See all answers
2 comments
Tic:Toc
Bailey U.Tic:Toc
Dustin H.
Dustin H.
Craig

CraigLaunceston, TAS

Excellent service when I needed to communicate with a human !!

published

Ryan from customer service is a legend. He was easy to deal with and was concise about the documents I needed to progress with the application. Very professional and very efficient. I/we cant recommend Tic Toc and Ryan enough.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc

Hi Craig, thanks for your review. We're so glad to hear Ryan was able to assist so efficiently! Please let us know should you have any questions, and welcome to Tic:Toc! ~ Bailey

Martin

MartinGreater Melbourne (Inner), VIC

Tictoc refinance, very picky

published

Looked at tictoc for refinancing. Went through online questions without a hassle.

Received a declined response from a human checker. Basically they were questioning where my savings went. Also said we had too many overdrawn fees on cc and a everyday account (even though they were small amounts and paid a day after going over). Overall it seems they are very picky.

I guess ill stay with a big bank who can handle our finances.

Transparency
Customer Service
Application Process
Timeliness
Loan used forRefinancing
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc

Hi Martin, thanks for your feedback. We're sorry to hear about your experience. We're not quite sure what has happened and would like to look into it for you. Please get in touch with us on 1300 842 405, or through our webchat. Thanks ~ Bailey

Bony J.

Bony J.South East Queensland, QLD

  • 2 reviews

Perfect

published

The dealing was pretty fast and everything went in flow. All documents are requested in detailed format submitted and approved in few days. Did the follow up through phone too. I would recommend Ryan.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateFebruary 2020
Loan used forFirst Home
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc

Ryan Darling - helped me all the way through.

published

Overall good experience. Ryan is very helpful, make everything straightforward, no hidden fees.

However, terrible experience with settlement agent, Myleadpoint, more than 2 months to get settlement finalised. no update, don’t pick up phone call, voicemail all the time. Prepare 2 or 3 days to get email replied. Only one excuse - Bank’s problem! When I talked to my Bank,they said they didn’t receive settlement request!

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forRefinancing
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc

Not treating the existing customers fairly

published

They will lock you in and then dont reduce interest rate. Mine is now 3.41% while the others lenders keep on dropping their rate. For new customers they are offering 3.15% (before today RBA cuts) for the same type of loan and when I talked to them they refuse to match my rate with new customers i.e. existing customers are treated unfairly. Now considering switching to Athena even if it cost me a bit upfront.

Transparency
Customer Service
Loan TypeVariable Rate
Loan Start DateAugust 2019
Loan used forInvestment Property
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc
Home Loans

Find out how Tic:Toc Home Loans compares to other Home Loans

Know better, choose better.

Compare all

Horrible experience. No phone communication to explain and instant decline

published
Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan used forSecond Home
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc
Ryan G.

Ryan G.

  • 4 reviews

Best Rates!

published

Rates are among the best in the market for owner-occupiers. While the application process isn't anywhere near as automated as their marketing makes out - there was quite a bit of back and forth for documents. The communications were fast, friendly and efficient.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan used forFirst Home
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc
Mattk

Mattk

  • 2 reviews

Tic Toc is completely useless....don’t waste your time

published

Don’t waste your time! Tic Toc is completely useless. Service is terrible. Applied then waited over 10 days and still no reply. Doubtful that they can even offer the rates they quote.

Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan used forRefinancing
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc
Caroline

CarolineSydney, NSW

  • 2 reviews

Just like clockwork

published

Very happy with tic toc loan. There was always someone helpful to talk to on the phone and was a smooth application process. Friendly staff and overall a very good service.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan Start DateJanuary 2020
Loan used forRefinancing
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc

Hi Caroline, thanks for your feedback. We're so glad to hear about your smooth application process during your refinance! Please let us know should you have any questions, and welcome to Tic:Toc! ~ Bailey

J and L N

J and L NSouth East Queensland, QLD

Refreshingly painless

published

Clear and easy to understand application process.
Clear, easy to understand and transparent request's for additional information.
Comparatively quick turnaround when compared to previous experience with CBA which genuinely took months.
I got the impression that the gentleman I was dealing with was working hard on my behalf and for that I am very grateful.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan used forRefinancing
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc

Hi J and L N, thanks for your review. We're glad to hear you had a much faster experience with us! We work hard to make sure our application is as easy and painless as possible. Welcome to Tic:Toc! ~ Bailey

Approval process was smooth

published

Very smooth approval process with Ryan. Required lots of evidence, but it was all done very efficiently, and took the time to understand the situation. Hopefully settlement is just as smooth.

Transparency
Customer Service
Loan TypeVariable Rate
1 comment
Tic:Toc
Bailey U.Tic:Toc
Home Loans

Find out how Tic:Toc Home Loans compares to other Home Loans

Know better, choose better.

Compare all
Anton F.

Anton F.North Queensland, QLD

Patient service. Clear and concise communication.

published

Ryan, I would like to thank you for your patient service during the approvals process. As a busy, working parent the requests for additional documentation were clear and straight to the point...no fuss, no jargon. The process was so simple and entirely handled via email. Thumbs up mate.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forRefinancing
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc
Joseph C

Joseph CAdelaide, South Australia

  • 12 reviews

Only useful if you are perfectly standard

published

Our loan is mildly not standard so they rejected it. We earn a good salary, have good savings and perfect credit. What a complete waste of time applying.

You also have to give all your same information every time you apply which is stupid.

3 comments
Tic:Toc
Bailey U.Tic:Toc
Joseph C
Joseph C

What else is there to take into consideration?

Tic:Toc
Bailey U.Tic:Toc

Excellent service throughout the application process

published

Ryan was excellent throughout the application process. Very responsive and at all times, helpful and polite. If you are thinking of switching your home loan to Tic:Toc I highly recommend it.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forInvestment Property
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc

Hi Edward, thanks for your review and for the kind words about Ryan. We'll pass your comments on to him and the team. Thanks for your recommendation, and welcome to Tic:Toc! ~ Bailey

Fast turnaround, friendly and prompt customer service

published

The online customer service was great! The online live chat enabled us to get immediate feedback on our loan progress, as well as assistance in filling out the application and adding forgotten documents after the application was submitted.

Ryan was our credit assessor, and we found him to be fast, helpful and thorough.

We were pleased that we were able to go from application to approval in much less than a week. We highly recommend Tic Toc.

1 comment
Tic:Toc
Bailey U.Tic:Toc

Hi Shannon, thanks for your review. We're glad to hear Ryan was able to help you quickly turn your application around! Please let us know should you have any questions, and welcome to Tic:Toc! ~ Bailey

Ando

AndoGreater Melbourne (Metropolitan), VIC

  • 2 reviews

Advertising a great product, unfortunately found my experience disappointing.

published
Transparency
Customer Service
Application Process
Timeliness
See all answers
1 comment
Tic:Toc
Bailey U.Tic:Toc

Hi Ando, thanks for taking the time to provide your feedback. We're sorry to hear about your experience with us. We're not quite sure how this has occurred and would like to look into it for you. I have sent you a PM. Thanks, ~ Bailey

Page 1 of 10

Questions & Answers

Andrew

Andrewasked

Hi, when applying online to refinance it asks for a deposit amount. Is there a way that my current mortgage can just be transferred over to the new loan with tic toc without paying a deposit as this was done initially on my current loan.

3 answers
Tic:Toc
Bailey U.Tic:Toc

Hi Andrew, thanks for your question. We can lend up to 80% LVR without LMI (90% LVR with LMI), and you will instead need 20% equity in your current property, not a 20% deposit.

At the beginning of the application you'll be asked if you're purchasing or refinancing - if you're refinancing, you shouldn't be asked for a deposit amount. Could you please double check you have selected the refinance option?

Please let us know should you have any other questions! Thanks ~ Bailey

Andrew
Andrew

Hi Bailey. Yes i click refinancing and it comes up with loan amount $290 000 but above this it says deposit required $142 000. The home is valued at $412 500 with $290 000 remaining on the mortgage

Tic:Toc
Bailey U.Tic:Toc

Thanks for checking and clarifying Andrew. This is a known issue with our application, where it sometimes displays an incorrect required deposit amount. This won't affect your refinance, so you can proceed with your application. If you're unsure or if you need to follow up on anything, we'd love to help - please give our team a call on 1300 842 405, or we're available over webchat: https://tictoc.com.au/lets-talk

philharrisbgo

philharrisbgoasked

DO TIC TOC DO INVESTMENT TERM DEPOSITS ?

1 answer
Tic:Toc
Bailey U.Tic:Toc

Hi Philharrisbgo, thanks for your question. Currently, Tic:Toc only offer home loans, and this includes investment loans. We do not currently offer investment term deposits.

Please let me know if you have any other enquiries ~ Bailey

Julie I.

Julie I.asked

What is considered ineligible properties.

1 answer
Tic:Toc
Diem T.Tic:Toc

Hi Julie - we provide finance for established properties (not off the plan or construction) located within capital cities and major regional centres. You can check if your property is eligible with our Home Loan Experts at https://tictoc.com.au/lets-talk ~Diem

Get an answer from our members and Tic:Toc representatives

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.