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!

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.

Rates are among the best in the market for owner-occupiers. While the application process isn't anywhere near as automated as their marketing makes out - there was quite a bit of back and forth for documents. The communications were fast, friendly and efficient.

Don’t waste your time! Tic Toc is completely useless. Service is terrible. Applied then waited over 10 days and still no reply. Doubtful that they can even offer the rates they quote.

Very happy with tic toc loan. There was always someone helpful to talk to on the phone and was a smooth application process. Friendly staff and overall a very good service.

Clear and easy to understand application process.
Clear, easy to understand and transparent request's for additional information.
Comparatively quick turnaround when compared to previous experience with CBA which genuinely took months.
I got the impression that the gentleman I was dealing with was working hard on my behalf and for that I am very grateful.