Easy application process, and consultant was very approachable, and thorough with his follow up. Highly recommend TicToc for their application process. Online process made this an easy and simple method.

We are very happy with TicToc's loan application process and the excellent customer service Ryan gave us. Our application was smooth and Ryan was very friendly to deal with when he needed more info. We refinanced our home loan and will now enjoy TicToc's low rates going forward.

Customer service was great but felt let down by their application/approval process. Had to manually submit over 10 different documents despite their claims of "saving time" and "automated approvals".

The point that frustrated us the most was being asked repeatedly to submit my wife's credit card statement when she was locked out of her internet banking and neither could we request a password reset as the bank's offshore team in Manila was closed due to COVID restrictions.

You do have to wonder why we had to answer approximately 10 different queries when our LVR was close to 30% with a combined household income of $200k+.

This has been the best home loan application experience I've ever had.

TicToc's web application user experience was exceptional.
The virtual valuation of our properties and the ability to link all our current bank/credit account to the application saves enormous amounts of time reducing the number of documents you need to collate.

Our application due to complexity with our living arrangements couldn't be approved on the spot with TicToc's AI reviewer. But working with Ryan from TicToc was incredibly easy, his emails we thorough and easy to follow and he was happy to jump on a call to discuss any of the finer details. Thanks for your help!

I will definitely use TicToc again the next time I need a home loan.

The customer service, promptness and attention to detail is amazing with Tic:Toc. We spoke to Ryan throughout the process and he was extremely helpful throughout the process even understanding complexities with our international transfers. He guided us with exact information through the process and was really prompt in ensuring we had all updates on where our application was. Highly recommend!

The customer service at TicToc was superb, all the representatives I've dealt with from the very start (i.e. online chat) to finish (i.e. credit assessor) were all very polite and helpful, and explained the process very well. The application process was very easy and straightforward. I was also very pleased that some of the fees that are normally charged to the applicants by other banks (e.g. valuation of property) were absorbed by TicToc on top of the very competitive rates they provide. Our credit assessor, Ryan Darling, was very fast and efficient in dealing with my application and was very helpful with all my queries. All in all, very happy with TicToc's service! Thank you for a great experience!

Excellent customer service, no fees and low interest rates.

No fees and the competitive rates can save you $1000s per year, to use on your next holiday or take away food / coffee budget.

Tic Toc staff are friendly, patient and connected with me through the process. They value customers. They are available on phone, chat and email.

Big bank packages cost $400 per year, that’s $12,000 over 30 years - to give you a rate discount. How about getting a low rate that doesn’t need a discount and not paying $400 per year - that’s tic toc

You get an Adelaide bank home loan. Tic toc is not a small bank or lender!

We elected to use the algorithm to begin with, but ended up having to through the manual process anyway. Luckily, Ryan D was very responsive and easy to work with during the process. I have dealt with a few different banks before and Tic:Toc has been by far the most pleasant experience. If this positive experience is shared by existing as well as new customers, along with the very sharp rate, I can see myself being Tic:Toc customer for a long time!

Applied online, submitted documents and required human intervention. Due to a back log, it took a few more business days to clear. Got approved, organised Zip ID only to find out loan is now knock back to due "substantial benefit" which I never heard off. Wish they do preliminary checks first, now I copped a credit check on my record, wasted time while I could have gone to a mortgage broker.

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.

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.

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.

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.

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.

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!