Reviewer Photos & Videos
Excellent communication, transparency, politeness and speed.
Our contact Vik was excellent throughout!
We were kept informed about the process clearly and quickly. The contact person stayed consistently the sa.e helpful person throughout. All we had to do was provide the requested information when requested.
Great service, quick and easy
We were after a quick and easy online loan application for an investment property and Tic Toc delivered with great service. Our credit assessor Anthony O was a pleasure to deal with, very helpful and went the extra mile to resolve a few issues that cropped up along the way. Very happy with the outcome and recommend them highly.
This is my 2nd home loan to tictoc and as always the team had been very helpful and patient although out the process. A big shoutout to Stephen Cooper who assessed our application in a very timely manner. He was very easy to talk to and had no problems at all in dealing with him. I would highly recommend Stephen and the team for their efficient work ethics.
When the robots take a nap, the humans really step up.
Tic:Toc obviously have stricter lending criteria than others, and when your loan does not meet the ideal situation, things can get complicated. Our Credit Assessor (Kristina C.) was a real gem. We really appreciate her professionalism and guidance through the system. The real estate agent actually remarked that in 20 years, he had never seen a loan approved so fast!
We are very happy
It was a very nice experience . Every thing was very quick and straightforward. Especial thanks to Kristina,for her great help. We are super happy with the service received from her.
Grateful for the service in an unpleasant process of home buying
I came across this lender after reading about it on a rating website. Prior to that I had contacted a few other institutions ranging from low cost no frills to more established banks.
The first impression of Tic:Toc was of genuine helpfulness. The first person who answered the phone was willing to answer all my questions even without a guarantee of my business. General questions about the process itself were answered patiently, something that I could not get from the call staff of other non major bank lenders.
While shopping around, even thro...
very slow, all via email, issues could be addressed with a quick phone call, no human interaction, hidden behind
very slow process, like others said, the robot lending is just the smoke screen, there are people behind who is processing it, all via email, issues could be addressed with a quick phone call, but they choose not to, no human interaction. I got quick approval from big banks than tic toc. I pulled the plug and withdraw my application with them. They didn't even bother to ask why and said no problem they will withdraw the app. It seems they don't really want you as a customer.
In an attempt to avoid brokers, applied online for an Investment variable home loan of $800,000 with Tictoc afer seeing all the advertisement on social media. Next day we received an email saying that our application is unsuccessful without enough explanation.
Things affected our application was our inability to meet our home loan repayments; we found it very strange as we do not have any no other liability including no dependents. Our current home is fully paid off worth $1.3 million and we both earn decent income fortnightly.
Second thing wh...
I'm very happy with Tic:Toc home loan service. Application process is very easy. Got my home loan approved in 2 days. Thank you Stephen Cooper for your fast and professional service.
Fantastic support, Helpful at every step, answered any questions we had and had one of the best interest rates on the market at the time.
There where no hidden costs, everything was explained clearly and the final paper to sign were clear and easy to understand.
Great service. Our Credit Assessor Stephen Cooper was very helpful and professional. He took the time to explain the intricacies of the home loan and process. Would highly recommend Tic:Toc
Had a great professional experience dealing with Tic Toc. Our home loan was fully approved in a short space of time thanks to in particular Anthony. Very happy to recommend for anyone looking for a home loan at great rates.
Discrimatory Home Loan without even try to reason
Tried to apply for a loan with TIC TOC. Application got rejected based on 1 false debt added by Panthera Finance back in 2017 from Virgin Mobile. Mayyer went on onbudsment but on hold until today as Virgin Mobile had went under, no reply and left me dealing with this mess today.
Very disappointed with TIC TOC response for not even consider especially that is the only black mark(nevertheless a false debt) on my credit history, having a clean credit record of paying an average of 300k bills a year.
As much as you are doing the right thing this hone loan service just out right reject you.
Was told to ammend a record will take 2 months and I will better off to go somewhere else.
If they dont want business that's all good.
Quick and reliable
Very efficient, went through the application quickly without losing time. Good customer service and easy to reach out. The Website is easy to use. Transparent staff. Also best variable interest rates
Refinance approval 5 star
I am very impressed with tictoc's refinance home loan application approval. it took only 3-4 days and that was just because i had to submit couple of extra documents.
Application process is very quick and easy if you can give them digital excess of your bank accounts. Credit assessment team got in touch with me the next day after i applied for refinance and it took me couple of more days to send documents. After sending documents i received approval the same day and loan contract was also sent via email the same day.
My previous loan was thr...
Questions & Answers
I know that we can make extra payments of up to $20 000 p/a when we are on a fixed rate. Can we still make extra payments after the fixed rate period is over?
Hi Ilze d., thanks for your question. Once your fixed term ends, you'll automatically roll onto a variable home loan. We allow unlimited additional repayments on our variable home loans, so you'll be able to make as many as you'd like after your fixed period is over.
About 3 months before your fixed period ends, we'll contact you to let you know your term is ending and that you'll roll to a variable rate. We'll also give you the option to start another fixed rate period, if you'd like. The $20,000p/a limit will still apply in this case.
If you're looking for ways to save on interest, we also offer offset accounts with all of our home loans (even our fixed rates!) for $10/month. These come with a VISA debit card, and whatever funds you choose to deposit there can be used and accessed whenever you need to.
Please let me know if you have any other questions. ~ Bailey
Have anyone got TicToc loan approved in less than 2 weeks? Customer support is abysmal at best so asking here.
I have applied online and now I am stuck as they will not assign a credit accessor to my application. Customer support will not tell how long what is wait time. Won’t escalate unless you are rich guy - yes sign the contract and then we will escalate.
Hi Abhi, thanks for taking the time to provide your feedback. We always try to get back to everyone in a timely manner when a manual assessment is required, and we've recently been able to drastically reduce our turnaround times. In saying that, we'd like to apologise for the delays you've experienced so far.
I can see that you submitted your home loan application 22/04, and that our credit assessor Stuart has been able to pick it up for assessment on 29/04 and is now awaiting some additional documentation from your end before proceeding.
Thanks for your patience during this process — things should speed up dramatically now that Stuart is on board to help. Should you have any questions, please get in contact with him, or call our team on 1300 842 405. ~ Bailey
Hi, does your lending criteria include post code 2527 Albion Park Rail ? Thanks
Hi Tony, thanks for your question. The great news is that yes, we do lend to Albion Park Rail! You can double-check if you fit the rest of our eligibility criteria here before applying: https://tictoc.com.au/faqs/category/considering-a-home-loan/am-i-eligible
And if you have any questions, please don't hesitate to get in touch with our locally-based team, 7 days a week, on 1300 842 405 or through our live chat. Or just let me know :) ~ Bailey
Get an answer from our members and Tic:Toc representatives
Other Home Loans
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.