Great low rate and offset account features.
We had a pre-approval from our regular bank but then switched after signing the contract.
Easy process, took 11 days from start to approval.
Will update this review once settled.

A big thanks to Aaron who was able to get my loan approved in just a couple of days with a tight timeframe to work to due to a fast expiring finance clause. Been waiting for 2 weeks for another lender just to give me an answer, so their ability to turn this around so quickly might have just saved my bacon!

A massive thank you to Rachel and the TicToc team. Very quick at responding to questions and getting the ball rolling with my first home loan. The rate was low and had all the things I needed- offset account and can withdraw. All online and it was made super easy. Thanks!

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.

Dealing with TicToc team has been a breeze.
They have communicated to me the status throughout (which keeps the mind at ease) and have been responsive to questions and requests. So far so good !

The team were responsive via email and chat to assist in filling out home loan paperwork.
Costs were as quoted - no surprises. No issues, with the service or the team. Great product. Update Nov 2020- Their Variable rate loan doesn't follow RBA Rate cuts. Not really variable Rate..! TicToc's repsonse is that only new customers get the RBA rate. Beware if your a new customer as Tictoc / Adelaide/Bendigo bank havent been passing on rate cuts - which is very disappointing that due they arent willing to help their customers kick start the economy during the pandemic..

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.

Rachel was helpful in asking for additional documents that we needed, and all other correspondence has been clear in explaining the terms of the loan and what could be offered.

I was pleasantly surprised at how stress free the home loan application process has been with Tic:Toc! I was able to enter most of my details digitally which saved a lot of time. Aaron was assigned to review my application and he was fantastic to work with. He was very prompt in phoning/emailing and keeping me updated and answering my questions. Rosne was also super helpful when we spoke many times over the chat. I also like that they show the interest rate existing customers are paying.

From application to approval took less than 3 days!

We bought our first house with a loan by Tic:Toc, Kristina was helpful guiding us through the home loan process and very responsive to our questions. Lots of real-estate agents hadn't heard of Tic:Toc or understood how they work, they almost didn't believe that we had full approval a day after we signed a contract. The rates were also the lowest we could find.

I've been with Tic: Toc for a little over 9 months now and am very happy. The process was fairly smooth, although it did take a few months since the time I applied for the loan. Recently, I also submitted a request to see if I could get their advertised rate on the website and they moved me down from 2.54% to 2.39% which was a very nice gesture on their part. The only little drawback is that Adelaide Bank, their funder, doesn't have any way to make fast payments using Pay ID so that would be a good thing if they could add that. Additionally, you are also limited to just 1 offset account, it would be nice to have 2 or more offset accounts. But honestly, these are very minor issues.

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

Submitted the details as requested and was declined a home loan without reason. Operator on the phone was rude and unable to help. Submitted the same details to other major banks including CBA and got approved with no questions.

I don't think this service is an improvement by any stretch on the current way of doing things.

Website also crashed a few times during the application process which gives me worry about the personal information I've shared.

We cannot recommend Tic:Toc highly enough.

We applied for our home loan on a Friday night, but were unable to be immediately approved by Tic:Toc’s algorithm. The next day, we called Tic:Toc to seek further advice as we had intended to make an offer early the following week. Later the same day we were contacted by our incredibly helpful and responsive assessor, Rachel, who then managed to approve our application the following morning.

The entire process was completed outside ordinary business hours – between a Friday night and a Sunday morning – without visiting a branch and at a time all other banks would normally be closed.

This, and Tic:Toc has the best interest rates we could find by far.

I am finance manager at a car dealership and have been in the industry for 4 years and i would not recommend tic toc to my worst enemy . I had to follow up everytime i needed and update , loan was not approved and i still dont know the exact reason. got pre approval with other bank .im not sure if tic tok doesnt have the best results for commision based income or its the worst bank ever. They advertise cheap rates so i applied and all i now have is an inqury on my credit file.