Responsible Lending

All of this text and the toggles text needs to change, it has been plagerised from TicToc home loans.

We’re a proudly Australian company, so we follow with pleasure, all requirements set out in the National Consumer Credit Protection Act (NCCP). The Act is regulated & enforced by ASIC. Which makes it legit.

This scrutiny of our customer offering is something we are very serious about (it is the Law after all). At Tic:Toc, we take our responsibilities to you – our customers – very seriously with a commitment to place your best interests at the forefront of our technology, product offering and customer service.

The Combined Industry Forum (CIF) defines a good customer outcome as when “the customer has obtained a loan which is appropriate (in terms of size and structure), is affordable, applied for in a compliant manner and meets the customer’s set of objectives at the time of seeking the loan.” For us, this means we make sure you get a home loan that suits you, and one you can afford. How do we make sure? Easy. Our technology simply won’t allow an alternative.

Our credit guide is available to you for some light reading (because a home loan is a serious business). It provides you with the key information you need to know about the credit assistance we provide for a Tic:Toc home loan. This credit guide was last updated on Dec 7th 2021.

There are no fees or charges whatsoever payable by you to Home Loans of Oz for providing credit assistance, such as typical application fees. That’s because we believe applying for a home loan should be simple, fast and as affordable as possible.

We relentlessly focus on making your customer experience as friendly and transparent as possible. It’s part of our DNA. But we know mistakes happen, and we live up to mistakes quickly. If you have any problems, please get in touch.


If you do raise an issue with us, we’ll address it as quickly as possible, and aim to have everything resolved within 30 calendar days. Provide as much your information as you can (including supporting documents if you have them) when you raise your concern, as it will help us to resolve things faster.

Marketing Consultant Expert
Ray Hair

Home Loan Expert

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