Ahead of a looming refinancing wave amid interest rate hikes, the partnership enables Tic:Toc to offer AFG’s network of more than 3,500 brokers to help them deliver faster mortgages.

The Tic:Toc platform is currently licensed by 17 enterprise partners, including two of Australia’s five largest banks - Bendigo and Adelaide Bank.

If a borrower was to fall outside Tic:Toc’s credit criteria for a branded home loan, they would be offered loans from AFG’s broader product set which includes more than 70 lenders.

By capturing the application data, this could speed up the underwriting process for banks and non-bank lenders as AFG can offer lenders on its panel borrowers who have already been validated.

Essentially, the partnership's main goal is to supercharge home loan processes.

Tic:Toc founder and CEO Anthony Baum said he is thrilled to partner with such a respected and industry experienced company.

“AFG and Tic:Toc are aligned on our commitment to deliver customer-focused, low-friction home loan solutions for Australians and their communities,” Mr Baum said.

“This innovative partnership is an example of the work Tic:Toc is doing to make home loans faster, smarter and simpler for our customers and partners.”

David Bailey, AFG chief executive officer, said both AFG and Tic:Toc are leveraging technology to make the service experience better and faster for all customers.

“We’re very pleased to be partnering with leading digital lender and technology provider Tic:Toc to help deliver a better service to Australian home buyers," Mr Bailey said.

"We bring our best-practice aggregation solution, decades of experience in helping to build extraordinarily successful broker business, and a great range of products to the table, and Tic:Toc brings world-leading technology via their AI-driven lending platform and tech-centered customer focus. 

“We think that our partnership with Anthony and his team will not only create an exceptional digital broker experience for Tic:Toc customers but that, collectively, we can work towards transforming the landscape for all AFG brokers.”


Buying a home or looking to refinance? The table below features home loans with some of the lowest interest rates on the market for owner occupiers.

Update resultsUpdate
LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsFeaturesLinkCompare
6.04% p.a.
6.06% p.a.
Principal & Interest
Featured Online ExclusiveUp To $4K Cashback
  • Immediate cashback upon settlement
  • $2,000 for loans up to $700,000
  • $4,000 for loans over $700,000
5.99% p.a.
5.90% p.a.
Principal & Interest
Featured Apply In Minutes
  • No application or ongoing fees. Annual rate discount
  • Unlimited redraws & additional repayments. LVR <80%
  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
6.14% p.a.
6.16% p.a.
Principal & Interest
Featured Unlimited Redraws
  • No annual fees - None!
  • Get fast pre-approval
  • Unlimited additional repayments free of charge
  • Redraw freely - Access your additional payments when you need them
  • Home loan specialists available today
Important Information and Comparison Rate Warning

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of . View disclaimer.

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