Currently at the end of the process of Tictoc and wouldn't recommend them. Initially sounded great, low interest rates, they handled valuation, settlment etc and online only.

Initially put in an offer on a property that would of been approx 50% LVR and repayments approx 20% of income. Since tictoc doesn't offer pre-approval real estate agent requested a letter saying I wouldn't have an issue with finance etc, tictoc unwilling to provide which is fine but missed out on the property due to this reason.

Found another property and had a better re...

TicToc's rep was very responsive and easy to deal with. He was able to guide me through the process of applying for a loan and explain the required documentation etc. to get me over the line. He made sure I understood and complied with TicToc's requirements and provided great end-to-end customer service throughout the process. Would recommend TicToc to others - great rates and customer service.

Team did a fantastic job to get the result in a day . Aaron the credit assessor was helpful and proactive during the loan fulfillment. Team did a fantastic job to keep us communicated through the whole process.

Our loan was approved in a timely and efficient manner. Email and phone contact with our credit assessor was friendly and helpful. Tina assisted us with ease. Avle to submit documents via email or online platform.

Dealing with Tic Toc home loans for our application process has been a breeze. We knew from chats with brokers and running our own numbers that we would be a good candidate for a loan. We had most of our documents uploaded on a Friday, viewed a property we liked on the Saturday, made the offer on the Sunday, offer was accepted by the owners on Monday morning. Had an assessor from Tic Toc by midday Monday, uploaded a few additional documents Monday afternoon/evening. A couple of chats Tuesday morning and were fully approved for an 80% LVR loan b...

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...

Good customer service, easy to get a hold of, responsive and professional.
Explained everything very clearly, provided advice where appropriate.
Overall very satisfied with the service that I received, would recommend to others!

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.

We were allocated a credit assessor (Aaron) who was excellent. He responded to emails quickly and gave outstanding 'old style' customer service. I would recommend the process to anyone wishing to obtain cheap finance.

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.

Stephen Cooper was the best credit agent I've worked with. Ask for him when applying.
Overall, the process was very easy and rates are great. All my questions were answered quickly with onsite chat or via Stephen.

No pre-approval system doesn’t mean the company offer helpful home loan process. We applied online and our application was rejected without any specific reasons. I called the customer service the next day and was explained that we couldn’t get the loan amount we wanted. When asked how much we could borrow based on our incomes, they couldn’t give us the answer. The reason was “Tictoc doesn’t give Pre-approval”, so they can’t give you any figure until you signed the purchase contract. WHAT A RIDICULOUS SYSTEM??!!
How about we’ve signed the contr...

Stephen was very helpful and kept us informed along the way.
All costs were upfront.
Very competitive rate. Stephen worked with us to ensure we had the right product to suit our needs.
Live chat is very convenient

Have only just signed up, and been approved. So far, the experience has been excellent. I spoke to multiple people, mostly on the web chat, but some phone calls at the later stages. In every case, the person I spoke to was friendly, knowledgeable, and managed to answer my questions quickly and can clearly. Quite a pleasant surprise :)

My husband and I applied for a loan with this bunch of incompetence and they told us we can’t “afford” the loan even though we have been currently been paying more for the last 3-4 years on our mortgage at a higher rate/repayment and have also managed to save over $150k on top of all our bills. To get approved we also finalised our A rated car loan and credit card which we didn’t owe mulch on and we still “failed” servicing. I think the key ingredient they lack is a bit of common sense. Don’t waste your time. This is a backwards thinking lende...

If you are hoping to Use Tic: Toc and you have just signed a purchase contract, GO ELSEWHERE.

I had this misfortune of dealing with Stephen Cooper, who lacks the ability to perform basics math. For a company that claims to use the latest technology, the process was so slow and arduous. In the process I closed my A rated NAB credit card account which I owed $0 on, I finalized my car loan which was also an A rated account as I didn't owe much money on, I provided statements showing perfect current mortgage repayments at a higher amount than what...

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.

Horrible experience. Applied online and was stated that a home loan expert needed to look into it. I tried calling for a few days to see what they needed. Then got an email stating it was declined.

I was told we didn't meet the serviceability.. However my wife has just taken 12 months off work (unpaid) and we have coped just fine without any credit cards, personal loans or drawing down on our savings.

My wife is now back to work permanent part time and her earnings are double the proposed repayment, so didn't make any sense at all. Was treat...

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.

Tic:Toc don’t have the systems, staff and processes to deal with the simplistic of financial information, they use manual spreadsheets and don’t seem to understand what they are looking for or what information is needed. Wasted hours and hours of our time but too complicated ! One bank account and 2 credit cards . I managed to get unconditional pre approval from Westpac and comm bank in less time whilst Tic Tic wanted me to explain every discretionary transaction on my December credit card statement why I am not sure, basically got nowhere. I gave up