Tic:Toc Home Loans

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.

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

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

• Digital home loans
• Mortgage broker services
• Home loan origination
• Online lending platform
• Residential mortgage finance

Headquarters

HQ city

Adelaide

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Tiimely Own Loan Commissions: Tiimely Home receives commissions from Tiimely Own digital home loans originated through their platform
2. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core 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

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature2 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Bendigo BankminorChannel Partner/ Reseller/ DistributorBendigo Bank partnership for Tiimely Home discharge services. Customers can access Tiimely Home discharge through Bendigo Bank's partner portal.
• Panel Lenders (30+)coreChannel Partner/ Reseller/ Distributor30+ 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

Direct 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

• Xx.com/tictochome

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tic:Toc Home Loans