tictochomeloans » user profile
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Member Since | 06/05/2021 |
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Last Seen | 12/10/2023 |
Location | Adelaide, South Australia |
Store Reps |
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Recent Activities
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tictochomeloans replied to
Nitrollparty on 5.69% p.a. Variable P&I Live-in Home Loan (5.70% p.a. CR, 10% Deposit, $10/M offset @ 5.81% p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/u/77/180977-20.jpg?h=84511b54)
Hey @Nitrollparty Our rate history can be found here, on https://tictoc.com.au/rates-and-fees, which includes our latest rate information…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans posted a deal 5.69% p.a. Variable P&I Live-in Home Loan (5.70% p.a. CR, 10% Deposit, $10/M offset @ 5.81% p.a. CR) @ Tic:Toc Home Loans
Tic:Toc have lowered their home loan rate for new customers looking for a Variable P&I Live-in home loan. Make the switch to Australia's…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans posted a deal Tic:Toc Home Loans Will Match The Interest Rate of Identical Variable P&I Home Loans (Current Rate OO: 2.09% P.a, 2.10% P.a CR)
#Tic:Toc's Rate Match Offer We haven't met our match when it comes to great home loans. If you can find a lower cost identical variable P&I…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
Elliot on Owner Occupier Home Loan 1.89% (1.90% CR) and $2022 Cashback on Minimum $300,000 Loan @ Tic: Toc Homeloans
![](https://files.ozbargain.com.au/g/20.jpg)
Great question! Our credit policy would prevent this from happening. If you're looking to undertake a 'cash-out refinance', we'll typically…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
slickvic on Owner Occupier Home Loan 1.89% (1.90% CR) and $2022 Cashback on Minimum $300,000 Loan @ Tic: Toc Homeloans
![](https://files.ozbargain.com.au/g/20.jpg)
@Nanokillaz @slickvic – The way we get paid by our Funder is separate to their funding pressures and decisions on how to price new and…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
damo3032 on Owner Occupier Home Loan 1.89% (1.90% CR) and $2022 Cashback on Minimum $300,000 Loan @ Tic: Toc Homeloans
![](https://files.ozbargain.com.au/g/20.jpg)
Thanks for being a customer, damo — glad to hear you've been generally happy with us! To explain a bit further, the ‘price’ we lock…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
chakel on Owner Occupier Home Loan 1.89% (1.90% CR) and $2022 Cashback on Minimum $300,000 Loan @ Tic: Toc Homeloans
![](https://files.ozbargain.com.au/g/20.jpg)
It would be unlikely, sorry. At least one application on the loan needs to hold PAYG employment (e.g. full-time, part-time, casual) or be…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
chasingstoke on Owner Occupier Home Loan 1.89% (1.90% CR) and $2022 Cashback on Minimum $300,000 Loan @ Tic: Toc Homeloans
![](https://files.ozbargain.com.au/g/20.jpg)
Hmm sorry, we might not be the right fit. We can only consider the income of a self-employed applicant if they have been self-employed for…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
baron33 on Owner Occupier Home Loan 1.89% (1.90% CR) and $2022 Cashback on Minimum $300,000 Loan @ Tic: Toc Homeloans
![](https://files.ozbargain.com.au/g/20.jpg)
You can see an overview of associated costs here:…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
poczynek77 on Owner Occupier Home Loan 1.89% (1.90% CR) and $2022 Cashback on Minimum $300,000 Loan @ Tic: Toc Homeloans
![](https://files.ozbargain.com.au/g/20.jpg)
Glad you're enjoying it! I'm really sorry, but this cashback is only available to new applications that are submitted during February 2022…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
Flintz on Owner Occupier Home Loan 1.89% (1.90% CR) and $2022 Cashback on Minimum $300,000 Loan @ Tic: Toc Homeloans
![](https://files.ozbargain.com.au/g/20.jpg)
No specific LVR requirements for this cashback deal, beyond our usual LVR requirements. We allow up to 90% LVR for the majority of cases…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
dottjt on Owner Occupier Home Loan 1.89% (1.90% CR) and $2022 Cashback on Minimum $300,000 Loan @ Tic: Toc Homeloans
![](https://files.ozbargain.com.au/g/20.jpg)
Literally keeping me in a job 🤝 Thanks for your support! ~B
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans commented on Owner Occupier Home Loan 1.89% (1.90% CR) and $2022 Cashback on Minimum $300,000 Loan @ Tic: Toc Homeloans
Thanks for posting aussie-bargainz — our [full terms and conditions for our $2022 cashback deal can be read…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
catbin on Owner Occupier Home Loan 1.89% (1.90% CR) and $2022 Cashback on Minimum $300,000 Loan @ Tic: Toc Homeloans
![](https://files.ozbargain.com.au/g/20.jpg)
[We're Australian-owned and operated, headquartered in Adelaide](https://tictoc.com.au/about). Our loans are funded by Bendigo and Adelaide…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
Kammi on 2.14% p.a Fixed 1 Year P&I Investment Home Loan (2.79%p.a. CR, 90% LVR, $10/month offset @ 2.92%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/g/20.jpg)
No worries! You probably won't need to fetch any transaction statements. In most instances, you'll be able to link your accounts and the…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
tg on 2.14% p.a Fixed 1 Year P&I Investment Home Loan (2.79%p.a. CR, 90% LVR, $10/month offset @ 2.92%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/u/22/12222-20.jpg?h=826887c1)
Hey tg, those are all great questions! I recommend getting in touch with one of our team on 1300 842 405, or emailing us at…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
Kammi on 2.14% p.a Fixed 1 Year P&I Investment Home Loan (2.79%p.a. CR, 90% LVR, $10/month offset @ 2.92%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/g/20.jpg)
Hey Kammi! [Generally, you'll just need a form of ID…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans posted a deal 2.14% p.a Fixed 1 Year P&I Investment Home Loan (2.79%p.a. CR, 90% LVR, $10/month offset @ 2.92%p.a. CR) @ Tic:Toc Home Loans
#Tic:Toc have a leading rate for their Fixed 1 Year P&I Investment Home Loan. ##Loan features * Minimum 10% deposit/Maximum 90% LVR (after…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
soan papdi on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/u/47/56747-20.jpg?h=03f9dbc2)
Hey Soan Papdi, thanks for your question. To clarify, there are only two lenders we know of in Australia who offer a rate promise. We don't…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
kanad on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/g/20.jpg)
We have a [borrowing calculator](https://tictoc.com.au/calculators/borrowing-calculator) you can use to get an estimate of how much you'll…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
kanad on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/g/20.jpg)
That's correct – we don't currently offer split loans. Let me know if I can answer any other questions :) Cheers ~ Bailey
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
Alkeshpatel83 on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/g/20.jpg)
Hey Alkeshpatel83, our current Fixed 1 Year P&I Investment loan is at 2.14%p.a. with a 2.79%p.a. comparison rate. We also have a Fixed 2…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
3252900sl on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/g/20.jpg)
Likewise, if you'd like me to follow up with our team I'd be happy to do so – just PM me your application #. Apologies for the wait. ~…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
dami on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/g/20.jpg)
Hey Dami, sorry to hear! I would be happy to take a look into this for you and follow up, if you'd like to PM me your application #. Cheers…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
milesandbos on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/g/20.jpg)
For casual PAYG roles, you'll need to have held your job for 12 months, or 6 months if you've had 2 years of continuous service in the same…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
CoreJava on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/g/20.jpg)
The only things we have in common are our really sweet dance moves. We're Australian-owned and operated. ~ Bailey
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
gimmeabreak on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/g/20.jpg)
For context, we lowered our Variable P&I Live-in rate in May to 2.04%p.a. (2.05%p.a. CR) from 2.19%p.a. (2.20%p.a. CR). Earlier in July, we…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
onetwothreefour on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/u/08/63008-20.jpg?h=12a7cae0)
Hey onetwothreefour, great question. The calculation for determining break costs is, unfortunately, quite complex, and will obviously vary…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
carpecrash on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/g/20.jpg)
Hi carpecrash, sorry to hear you've missed out on a lower rate. I can't promise anything, but if you'd like to speak with someone, I…
![](https://files.ozbargain.com.au/u/63/392963-38.jpg?h=d77a4f18)
tictochomeloans replied to
Tiggrrrrr on 1.84% p.a. Fixed 1 year P&I Live-in Home Loan (1.90% p.a. CR, 10% Deposit, $10/m offset @ 2.03%p.a. CR) @ Tic:Toc Home Loans
![](https://files.ozbargain.com.au/u/12/142212-20.jpg?h=a0acbaca)
I would argue they still have merit as a rough comparison tool. It's important to note that home loans from all lenders use these same…
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