TIC financing

Finance your
TIC share.
Your terms.

Connect directly with specialist lenders offering tailored financing against your individual TIC ownership interest in Australia. No joint liability. No joint mortgage. Your share, your loan.

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Individual loans — no joint liability
Each TIC co-owner secures their own loan against their individual share only. Another co-owner's default cannot affect your mortgage.
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Flexible deposit requirements
Specialist TIC lenders offer flexible loan-to-value ratios tailored to individual TIC share purchases — contact a lender for current terms.
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Refinance independently
With a fractional TIC loan you can refinance your individual share at any time without requiring agreement from other co-owners.
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Exit via the exchange
In the event of a forced sale, the lender's recourse is limited to that TIC share — which can be resold via ticx.com.au. All other co-owners continue unaffected.
IndividualLoan per share
AUDCurrency
3–10 yrFlexible terms
Interest-onlyOption available
No jointLiability
How TIC financing works in Australia
Individual financing
Each TIC co-owner arranges their own separate loan secured only against their individual ownership percentage. A default affects only that owner's share — all other co-owners are fully protected.
First mortgage security
Lenders take a registered first mortgage over the TIC share only — a formal legal charge over the fractional interest, not over the whole property. Other co-owners' interests are unaffected.
Lender matching
ticx.com.au matches your loan request with registered specialist lenders based on loan amount, LVR, state, property type, and loan purpose. Matched lenders contact you directly.
Exchange exit route
In the event of default, the lender's recourse is limited solely to that TIC share, which can be resold via ticx.com.au. All other co-owners continue unaffected.
Your details
Property & TIC share
Loan request
Indicative LVR: —
Loan amount: —
TIC share value: —
Security

I agree to provide a registered first mortgage over my TIC share only as security for any loan arranged through this platform. I confirm I am borrowing for investment or business purposes and that this loan is not regulated under the National Consumer Credit Protection Act 2009 as a consumer credit contract.

ticx.com.au is an introductory marketplace only and does not provide financial, legal, or credit advice. Independent legal and financial advice is strongly recommended before entering any lending arrangement. This service is not available for personal/consumer credit purposes.

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Loan request submitted!

Your request has been received. We'll match you with registered TIC-specialist lenders active in your market. Matched lenders will contact you directly within 1–2 business days.

Please seek independent legal and financial advice before proceeding with any loan arrangement.

Your details
Lending preferences
Security requirements

I require a registered first mortgage over the TIC share only as security for all loans I provide. I confirm I hold all licences required under applicable Australian law to provide credit, or that loans I provide do not require an Australian Credit Licence.

By registering, you confirm you meet all applicable licensing requirements for private lending in Australia under the National Consumer Credit Protection Act 2009 (Cth), or that the credit you provide is exempt from that Act. ticx.com.au is an introductory marketplace only.

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Lending interest registered!

Thank you. We'll match you with eligible borrowers based on your lending criteria.

Frequently asked questions

Everything you need to know about TIC financing in Australia

What is a TIC loan?+
A TIC loan is a mortgage secured against a Tenancy in Common share in a property. Under Australian property law, a TIC share can be independently mortgaged, sold, or bequeathed without requiring agreement from other co-owners. Each co-owner arranges their own separate loan — there is no joint liability between co-owners.
Who can apply for a TIC loan?+
Individuals, companies (Pty Ltd), SMSFs, or trusts who are purchasing or already hold a TIC share in a property. Most TIC lenders require borrowers to be borrowing for investment or business purposes — consumer credit for owner-occupied homes is regulated under the National Consumer Credit Protection Act 2009 (Cth) and requires a licensed lender.
What security is required by lenders?+
Most private TIC lenders require a registered first mortgage over the TIC share — a formal legal charge over the fractional interest only, not over the whole property. This means only your share is security, and other co-owners' interests are completely unaffected by your loan.
What happens if a borrower defaults?+
The lender's recourse is limited solely to that co-owner's TIC share. The lender can exercise their mortgage and arrange the sale of that individual share — via ticx.com.au if listed — without affecting any other co-owner. All other co-owners' shares and financing remain completely unaffected.
Does ticx.com.au need an Australian Credit Licence?+
ticx.com.au operates as an introductory marketplace only — connecting borrowers with registered specialist lenders. We do not provide credit, pool funds, hold money, assess creditworthiness, or provide financial advice. We are not required to hold an Australian Credit Licence (ACL) in connection with this matching service. All lending is arranged directly between borrower and lender. Always seek independent legal and financial advice.

Are you a non-bank lender, private lending fund, or family office interested in joining the ticx.com.au lending panel?

Contact us at hello@ticx.com.au
Important disclaimers: Borrowers confirm that funds are for investment or business purposes only and not regulated consumer credit under the National Consumer Credit Protection Act 2009 (Cth). Lenders confirm they hold all licences required by applicable Australian law, or that the credit they provide is exempt from the Act. TICX Pty Ltd (ACN 611 857 875) operates ticx.com.au as an introductory marketplace only and does not provide financial, legal, or credit advice. ticx.com.au is not a licensed lender, mortgage broker, or credit provider. Independent legal and financial advice is strongly recommended before entering any lending arrangement.