Great rate pulled me in. Then I find application is for full credit approval (not just pre-approval like other lenders). But it says I'll find out straight away so I apply. Then it says my file is too complicated so I have to wait for someone to get back to me. Then I wait about a month and receive an email saying my application hasn't been successful. No call to explain or discuss, just a rejection email. Then I call back and speak to credit assessor Ryan who tells me they don't consider loans if the debt to income ratio is above six. If I wou...

I've had a home loan with Tic Toc for less than 2 years now and my variable rate is over 0.5% higher than the current variable rate advertised. The 0.15% rate cut in November was not passed onto existing customers, and less than two weeks later some of their variable loans were reduced by 0.37% for new customers. The initial application process itself is fine, the customer service is generally good, but there is no mobile application and you continually have to call them up, argue and threaten to leave to try and get a rate reductions that they don't pass on.

Be careful about this Broker. I'm with them for around two years and received a poor response from Adelaide and Bendigo Bank support team. I have been calling/emailing Adelaide bank for 2 months to convert my loan (not refinancing! just simple convert) If you are from TicToc I assume, you are not their priority.
Adelaide bank even doesn't respond to your email and you can't get anywhere even with calling them.
I want to change my bank but I don't know my homeloan status.
BTW if you search, you will find better interest rate.
be careful, especially if you are an investor.
TicToc needs to get a better customer service from Adelaide and Bendigo bank.

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.

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.

Ryan and the team were fabulous from start to finish. I was able to escalate for faster processing since I had an imminent settlement date. They had the 100% cash offset account and had fabulous rates for investment interest only loans. I was not auto approved but Ryan reached out and we corresponded via email for further detail then I was approved. The hand over to Adelaide Banks conveyancing team LeadPoint was great and its hard to believe each contact was in a different state but it was all seamless and you could always reach a human during ...

My loan was approved in under two weeks, and I am now getting the most competitive interest rate on the market. Ryan, my credit assessor, was thorough and very easy to deal with.

The numbers stack up. I am paying a lower interest rate % with variable IO via TicToc compared to a P&I with a big four. It was a painless application process, due to the great customer service from Ryan and Shalini. I feel very comfortable in proceeding with a banking relationship with TicToc.

Customer service was excellent, Ryan kept me informed every step of the way and of what I needed to supply him with. Very clear communication. The costs have been clearly identified to me and I am very satisfied with the rate I received for this loan. It is the best on the market.

Absolutely clueless, my investment property rental return ALONE covers my current repayments by over 50%; on top of this my full time income covers it almost 5 times over and yet they deny my application to refinance due to “not meeting servicing requirements”

They wasted 2 weeks of my time, I highly recommend you don’t waste yours.

I started the applications about 6 weeks ago. Back and forth, I submitted all the documents requested and they still refuse to process the applications. They requested formal statements. I submitted to them. They said it's not up to date be cause my bank only release it every 6 months. So I supplied a supplement online printing pdf. They it is unacceptable. What? They want to know fund for the deposit, I showed them the fund in the account and they said what about the discrepancy in the previous property settlement? It doesn't matter. My convey...

Overall the customer experience was very good. Ryan Darling was our loans consultant and found him proactive in responding to queries . I look forward to tictoc passing on recent rate cut in full

Feel so lucky getting through this sophisticated process with David's help. We have got a little bit glitch during our application, he responded to our question promptly and support us solved it effectively. His service really reflects his efficiency and professionalism.

I worked with Ryan to get my investor mortgage approved and am really happy with the personal care and quick responses I received. Ryan clearly walked me through every step and felt really well taken care of. No hidden fees and would recommend it in a heartbeat.

I had to re-finance my existing investment home loan as my current lender kept bumping up their interest rates. I found Tic Toc interest rates to be the lowest. The application was almost all done online which was amazing. There were just a few final steps that needed to be done with a person, so Aaron was very helpful to help me through this via phone and email. Keep up the good work and low interest rates Tic Toc!