You can find all of our roll-to rates here. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. They factor in our fees associated with applying for the loan our ongoing fees and our fees associated with leaving the loan. Our comparison rates are calculated for a $150,000 loan over 25 years. Our rates are current as of 26 August 2022 available to all home loans approved on or after this date, and they can change. We’re transparent with our rate history, you can read about it here. We don’t do honeymoon rates, or make loyal customers subsidise lower prices for new customers. Tic:Toc’s solutions are also offered to fellow players in the industry via Tic:Toc Enterprise.Existing borrowers may have a different interest rate, depending on the price we were able to negotiate with our funder at the time the loan settled, and any reductions made over time. This AI-driven, frictionless lending process removed the complexities associated with the traditionally lengthy process, letting Australians have their loans approved in as soon as under 58 minutes. Launched in 2017, Tic:Toc is Australia’s first digital lender disrupting the way Australians apply for home loans through its proprietary lending platform. This is what spurred the pairing of old-fashioned values with the tech innovation you would expect, and led to our organising idea ‘Good old online home loans’.” Sure, Tic:Toc is an online lender that prides itself on world class automation and technology, but we were really surprised by what they did for their customers. “A real stand-out was Tic:Toc’s point of view on valuing service as much as getting a home loan. Says Belinda Murray, managing director of BWM isobar, part of the dentsu mcgarrybowen network: “The opportunity to partner with not only a modern platform company but successful business like Tic:Toc in scale-up mode was a no-brainer for us when we were approached to launch the Tic:Toc brand earlier this year. Wavemaker get us on that front, and we’ve worked together to create a really innovative approach.” A benefit of being a tech company is our internal data science and attribution capabilities. “Our media plan is data-led and digital-first. We’ve prioritised building proprietary tech over our brand, so it’s exciting to introduce ourselves to more Australians who don’t yet know about us as a leading home loan provider. “Good old online home loans is also a nod to the fact that when it comes to digital home loans, we are the O.G and have set the standard. Yes, we have low rates and a simple process, but our customers tell us it’s the human element of chatting with a home loan expert combined with those things that sets us apart. “We want to shake up the belief that offering a low cost online home loan experience is anything other than an expectation. We have an exceptional team of Aus-based customer service heroes that really know their stuff. Our leading tech means we can automate the admin, and actually spend more time helping customers when it matters. Says Laura Osti, chief marketing officer at Tic:Toc: “This campaign highlights the value Tic:Toc places on exceptional customer service, something most people don’t associate with an online home loan company. Tic:Toc will roll out the campaign via an innovative, targeted digital media plan, across Broadcast Video on Demand including SBS on Demand, 7plus, 9now, 10 Play, Kayo, out-of-home and high impact display advertisements across the country, from 14 November, 2021. In the TVC, the couple marvel at Tic:Toc’s unique home loan offering that uses tech for home loan admin, and experts for its exceptional service. The campaign TVC features a couple inside a mid-century Australian home, shot in the style of an old-sitcom, but with modern-day touches like the use of Virtual Reality (VR), interactive screens and a robot vacuum. The campaign recreates a vintage 50s-inspired world infused with new technology to highlight how Tic:Toc is the best of how business used to be combined with how it will be tomorrow. The ‘Good old online home loans’ brand campaign is Tic:Toc’s take on how the tech-first lender is taking Australians and the home loans industry back to simpler times through its innovative technology solutions, emphasising fast and low-cost home loans shouldn’t come at the cost of good customer service. Australian technology company and digital lender Tic:Toc has launched its first-ever national brand campaign, ‘Good old online home loans’, marking the start of the fintech building broader awareness for its home loan offering conceptualised and led by dentsu mcgarrybowen, with media agency WaveMaker Global.
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