Case Study: Tic:Toc (Australian fintech) achieves 22-minute instant home loan approvals with MuleSoft Anypoint Platform

Tic:Toc reduces the home loan process from days to minutes

Tic:Toc is an Australian fintech launched in 2017 to remove paper-based friction from the home loan process and deliver instant online decisions. The company faced the challenge of replacing a complex, manual workflow—such as property valuation and identity checks—that normally required multiple handoffs and days of processing and needed to integrate data from many core systems.

Tic:Toc used an API-led approach with MuleSoft’s Anypoint Platform to connect 21 systems, automate identity, credit and valuation checks, and generate real-time decisions and documents. The result: the world’s first instant home loan, cutting average fulfillment from 22 days to about 22 minutes, processing over $2.15 billion in applications and enabling white-label partnerships.

Tic:Toc

Anthony Baum

CEO