Tic:Toc Home Loans
Tiimely Home (formerly Tic:Toc Home Loans) is an Australian fintech offering consumer home loans through a self-serve digital product (Tiimely Own) and a brokerage accessing 30+ panel lenders, serving first home buyers, refinancers, investors, and upgraders.
- Company typePrivate
- Founded2015
- HeadquartersAdelaide, Australia
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Tic:Toc Home Loans does
Tiimely Home (formerly Tic:Toc Home Loans) is an Australian fintech operating as a dual-channel home loan provider headquartered in Adelaide, South Australia. The company was founded in 2015 and operates under Tiimely Pty Ltd, holding Australian Credit Licence 496431. It serves Australian consumer borrowers across four primary segments — first home buyers, refinancers, property investors, and home upgraders — via two complementary channels: a self-serve digital home loan product (Tiimely Own) and a mortgage brokerage providing access to 30+ panel lenders.
The core technology stack is a digital origination platform supporting online applications, digital document upload, and instant identity verification, paired with a personalised rate engine that prices loans by property usage, deposit size, and repayment type. The brokerage layer is supported by phone and online channels (operating extended AEST hours) and integrates with Bendigo Bank for discharge services. The platform does not rely on disclosed third-party AI/ML APIs or proprietary models; personalisation is described as a recommendation/rate engine rather than a deep learning system.
The business model is transaction-based: Tiimely Home earns commissions on Tiimely Own loans it originates and on loans settled with panel lenders through its brokers, with brokers themselves not receiving individual commissions. Marketing relies on content, Trustpilot reputation (4.5/5 across 949 reviews), referral incentives (a $250 prepaid gift card for digital loan applicants and up to $3,000 cashback for investment loans), and an educational guides hub. The company is privately held, with a single disclosed $11.5 million funding round in 2018 led by Genworth Australia and La Trobe Financial, and no subsequent funding or acquisition activity is on record.
Tic:Toc Home Loans firmographics
Firmographics- Name
- Tic:Toc Home Loans
- Legal name
- Tiimely Pty Ltd
- Website
- https://tictoc.com.au
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Tiimely Home (formerly Tic:Toc Home Loans) is an Australian fintech offering consumer home loans through a self-serve digital product (Tiimely Own) and a brokerage accessing 30+ panel lenders, serving first home buyers, refinancers, investors, and upgraders.
- Ownership category
- akta.pro rank
Tic:Toc Home Loans industry classification
Industry- Product category
- Consumer Mortgage Lending
- NAICS
- Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)
Keywords
Where Tic:Toc Home Loans is headquartered
LocationHeadquarters
- HQ city
- Adelaide
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Tic:Toc Home Loans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Others
Revenue model
- Tiimely Own Loan Commissions: Tiimely Home receives commissions from Tiimely Own digital home loans originated through their platform
- Broker Panel Lender Commissions: Tiimely Home receives commissions from loans settled with panel lenders when customers apply with assistance from Tiimely Home brokers. Tiimely Home brokers do not receive individual commissions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Tiimely Own - Owner Occupier Variable Rate |
| Other | Monthly | Investment Property - Basic Fixed Rate |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Tic:Toc Home Loans product offering
Product offeringCore offering
Tic:Toc Home Loans, now operating as Tiimely Home, is an Australian fintech that provides home loans through two channels: a self-serve digital home loan product (Tiimely Own) with online application, digital document upload and instant identity verification, and a mortgage broker service that gives customers access to 30+ panel lenders. The company earns commissions on both the proprietary Tiimely Own loans originated through its platform and on loans settled through its brokers with panel lenders.
Product overview
Tiimely Home (formerly Tic:Toc Home Loans) operates as a dual-channel home loan platform. The core offering is the Tiimely Own digital home loan—a self-serve product enabling online applications with digital document upload and instant identity verification, featuring personalized interest rates based on individual factors (property usage, deposit, repayment type). Supporting this is the Tiimely Home Mortgage Broker Service, which provides access to 30+ panel lenders through dedicated brokers. Together, these channels serve owner-occupiers and investors across purchase, refinance, and investment use cases.
Differentiator
Problem solved
Functional benefit
Brands
- Tiimely Own: Self-serve digital home loan product offering personalised interest rates for owner occupiers and investors.
Products and services
- Tiimely Own Digital Home Loan
Quantifiable outcome
- Fast approvals for Tiimely Own products
- +2 more outcomes
Companies that use Tic:Toc Home Loans
Customer profileSegments4 records
Ideal customer profiles3 records
Tic:Toc Home Loans technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature2 records
Tic:Toc Home Loans partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- Bendigo BankminorBendigo Bank partnership for Tiimely Home discharge services. Customers can access Tiimely Home discharge through Bendigo Bank's partner portal.
- Panel Lenders (30+)core30+ panel lenders provide home loan products accessible through Tiimely Home mortgage brokers. Tiimely Home receives commissions from loans settled with these panel lenders.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
Tic:Toc Home Loans competitors and assessment
Company assessmentDirect peers
- Athena Home Loans: Australian digital-only mortgage lender focused on owner-occupiers and investors. Directly comparable to Tic:Toc's Tiimely Own product as a fintech-first home loan originator targeting similar customer segments with technology-led underwriting and digital experience.
- Lendi: Australia's largest digital mortgage broker platform formed from the merger of Aussie and Lendi. Directly comparable to Tiimely Home's broker channel with multi-lender access and online broker-mediated customer experience across purchase and refinance.
- Uno Home Loans: Australian online mortgage broker offering access to a panel of lenders. Directly comparable to the Tiimely Home Mortgage Broker Service with similar digital-first broker model and broad lender access for owner-occupiers and investors.
- Mortgage Choice: ASX-listed Australian mortgage broker franchise network. Comparable to Tiimely Home's broker service in offering multi-lender home loan access across purchase, refinance, and investment use cases for retail consumers.
- HashChing: Australian online mortgage broker platform connecting borrowers with lenders. Comparable to Tiimely Home in targeting digital-first consumers seeking broker assistance across multiple lenders and loan products.
Broad incumbents
- Commonwealth Bank of Australia: Australia's largest bank with material home loan market share and growing digital mortgage capabilities. Incumbent competitor with a broader financial services portfolio but increasingly overlapping digital mortgage experience with Tic:Toc.
- National Australia Bank: Major Australian bank with a mortgage lending business and digital capabilities. Incumbent competing in the same home loan market with broader product portfolio, larger capital base, and established broker relationships.
- Westpac: Major Australian bank with a material home loan portfolio. Incumbent lender competing across purchase, refinance, and investor segments with increasingly digital-first customer experiences narrowing Tic:Toc's UX advantage.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Tic:Toc Home Loans social profiles
Digital presenceTic:Toc Home Loans compliance and trust
Trust signalCompliance1 record
Tic:Toc Home Loans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tic:Toc Home Loans leadership team
Management profileNumber of profiles
Profiles5 records
Tic:Toc Home Loans funding detail
Funding detailFunding overview
Funding rounds1 record
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tic:Toc Home Loans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tic:Toc Home Loans
What does Tic:Toc Home Loans do?
Tic:Toc Home Loans, now operating as Tiimely Home, is an Australian fintech that provides home loans through two channels: a self-serve digital home loan product (Tiimely Own) with online application, digital document upload and instant identity verification, and a mortgage broker service that gives customers access to 30+ panel lenders. The company earns commissions on both the proprietary Tiimely Own loans originated through its platform and on loans settled through its brokers with panel lenders.
Is Tic:Toc Home Loans a public or private company?
Tic:Toc Home Loans is a private company. It is classified as venture growth investor backed and is currently operating.
When was Tic:Toc Home Loans founded?
Tic:Toc Home Loans was founded in 2015. It employs 101 to 250 people.
Where is Tic:Toc Home Loans based?
Tic:Toc Home Loans is headquartered in Adelaide, Australia, in the Oceania region.
How does Tic:Toc Home Loans make money?
Two revenue lines are on record. Tiimely Own Loan Commissions are the primary driver. The others are broker Panel Lender Commissions.
Who are Tic:Toc Home Loans's main competitors?
Direct peers on record are Athena Home Loans, Lendi, Uno Home Loans, Mortgage Choice and HashChing. Broad incumbents are Commonwealth Bank of Australia, National Australia Bank and Westpac.
Does Tic:Toc Home Loans have an API?
No public API is recorded for Tic:Toc Home Loans.
What industry is Tic:Toc Home Loans in?
Tic:Toc Home Loans's product category is Consumer Mortgage Lending. Its primary akta.pro industry code is FSAGAHAH, Loan Servicing Platforms (Billing, Statements, Customer Self-Service). Its NAICS code is 522 and its SIC code is 6162.