Tic:Toc home loans are suitable for borrowers with a clean credit file and with higher deposits/equity looking to refinance their home loans for up to 80% of the property value.You can use our ‘ interest only vs principal and interest calculator’ if you’re debating whether it’s worth wearing a bigger interest expense to free up cash flow to invest. These loans have higher interest rates and we recommend that you speak to a mortgage broker as you may be able to get a better deal. Their CO:Labs loans offered by La Trobe Financial are available for borrowers who have a complex situation, bad credit history or cannot prove their income. They also have an Investment variable and Investment fixed home loan with an interest-only term available with all their loan products. An offset account is available with this product for $10 per month. It features free additional repayments up to $20,000 and free unlimited redraw facilities. Their Live-in fixed home loan can be fixed from a year up to 5 years after which it rolls to a variable principal and interest loan. You can also add an offset account for $10 per month.
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Tic:Toc’s Live-in variable home loan is a basic variable rate loan with competitive interest rates and no application, assessment or valuation fees. Tic:Toc offers two simple loan types: variable rate and fixed rate home loans for live-in (owner-occupiers) and investors. They don’t provide support to apply for government grants and benefits such as the First Home Owners Grant and the First Home Loan Deposit Scheme.They don’t accept refinances to release equity or for debt consolidation or structural renovation.They don’t accept more than two applicants on an application.
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The property/security has to be in a capital city or a major regional centre.They don’t do vacant land or off the plan loans.
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