'Rate Match' from Tic:Toc is available for eligible owner occupiers and investors across variable rate 'Live-in' or 'Investment' home loans financing from June 1. 

The digital lender will match the variable rate across a competitor's variable principal and interest (P&I) home loan products if it is currently on offer and is identical to the material features of the Tic:Toc product.

This means that if the competitor's product for example does not offer an offset account whereas Tic:Toc's product does, Tic:Toc will not consider the products identical and therefore will not match the competitor's rate.

Further, the 'Rate Match' rate will be honoured if the rate appears in the home buyer's loan contract, which must be accepted under the normal terms of the contract.

Tic:Toc's Chief Marketing Officer Laura Osti said the digital lender is confident that the brand has Australia’s lowest cost P&I variable home loan, with no fees, and 90% LVR.

"Having the best rate is just where we start -  you get other benefits like no Tic:Toc fees, great product options including a 100% offset account, super fast turnarounds and personalised Australian-based customer service," Ms Osti said.

It's important to note like all variable rate home loans, Tic:Toc's variable Live-In and Investment home loans are susceptible to interest rate movement following the RBA cash rate decision. 

Compare a range of Tic:Toc's home loans in the table below.


VariableMore details

Tiimely Home – Live-in Variable Loan Home Loan (Principal and Interest) (LVR < 90%)

    VariableMore details

    Tiimely Home – Live-in Variable Home Loan (Principal and Interest) (With Offset)

      FixedMore details
      Free Redraw Facility
      Free Redraw Facility

      Tiimely Home – Live-in Fixed Home Loan (Principal and Interest) 1 Year

        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 December 2, 2023. View disclaimer.

        Image by Planet Fox via Pixabay

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