We are here to help you navigate the complex world of home loans and make the process of obtaining a mortgage as easy and stress-free as possible. Our experienced team of mortgage brokers on the Sunshine Coast has an in-depth understanding of the local property market and can offer you a range of home loan options to suit your individual needs and financial goals.
Whether you're a first-time homebuyer or looking to refinance, we can provide you with expert guidance and support every step of the way. So, let's get started on your journey to homeownership!
Are you looking for the Best Home Loan that’s available on the market today? Well, you’ve come to the right place!
Our Home Loan Lending Specialists are very passionate about ensuring that every one of our customers are offered the very best home loan rate available on the market today.
At Fox Home Loans, we think of ourselves as your personal home loan specialist, because that’s what we are.
What separates us from the banks is that we want to understand your goals and provide you with loan options rather than trying to limit you. We’ll search high and low to find the best home loans for your long-term financial goals without hiding fees or trying to work you into a loan that you can’t afford.
Why choose a company like Fox Home Loans instead of going through a bank? There are a number of reasons why mortgage brokers are the preferred choice for home loans.
We’re able to offer a number of mortgage loan options from various lenders because we shop around for you. We’re not limited to strict regulations of single lender options because we don’t work for the banks.
Our job is to provide you with the loan package that works for you. The more experience we have dealing with the lenders, the easier it is for you to obtain a loan product and interest rate that meets your needs.
Banks are looking out for the interest of the institution they represent. This doesn’t mean they’re doing anything wrong, it’s simply designed that way.
As a mortgage broker, we represent the you. We act as your consultant and investigator. Our job is to take what you’re giving us and find you a home loan product that you not only qualify for but are capable of paying back according to the terms.
Some situations are more complicated than others and may require flexible terms, adjustable rate mortgages, and so on. Working with an experienced mortgage broker like Fox Home Loans can open the doors to opportunities you wouldn’t know existed otherwise.
Our mortgage brokers on the Sunshine Coast have access to a wide range of lenders and home loan products, which means we can search the market to find a loan that best suits your needs and financial situation. This saves you time and effort in researching and comparing various lenders and loan options yourself.
Additionally, our mortgage brokers can negotiate on your behalf with lenders to get you a better deal on interest rates and other loan terms. This can potentially save you thousands of dollars over the life of your loan.
Furthermore, your local mortgage broker can assist you with the paperwork and application process, which can be time-consuming and complex. We can guide you through the process, helping you to understand the terms and conditions of the loan and ensuring that all required documents are submitted on time and accurately.
Home loan pre-approval is a process by which a lender reviews your financial and credit history to determine how much money they would be willing to lend you for a home purchase. Pre-approval is not a guarantee that you will receive a loan, but it does provide an indication of how much you can borrow and the terms of the loan.
To obtain pre-approval, you typically need to provide the lender with information about your income, assets, and debts, as well as your credit score. The lender will use this information to assess your creditworthiness and calculate how much they are willing to lend you.
The pre-approval process typically takes a few days to a week, depending on the lender and the complexity of your financial situation. Once you receive pre-approval, you can start shopping for homes with the confidence of knowing how much you can afford to borrow.
Enquire for Pre ApprovalA first home buyer loan is a type of home loan specifically designed for individuals who are purchasing their first home. These loans typically have features that are intended to help first-time buyers enter the property market, such as lower deposit requirements, reduced or waived fees, and government incentives.
It’s important to do your research and compare the features and costs of different loans to find the one that best suits your individual needs and financial situation. Or leave it to the experts at Fox Home Loans. We’re here to help first home buyers navigate the complex road to owning their first home.
Enquire for your First Home LoanHome loan refinance is the process of replacing an existing home loan with a new loan from a different lender or with a different loan product from the same lender. The primary purpose of refinancing a home loan is usually to obtain a better interest rate or to access different loan features or benefits.
When you refinance a home loan, you essentially pay off the existing loan with a new loan, and the terms and conditions of the new loan may differ from those of the old loan. For example, you may be able to obtain a lower interest rate, switch from a variable rate to a fixed rate or vice versa, or access features such as offset accounts or redraw facilities.
Refinance your Home LoanBefore you start the process of switching home loans, it’s important to consider why you want to make the switch. Do you want to lower your interest rate, access different loan features, or consolidate debt? Understanding your reasons for switching can help you choose the right loan product and lender.
It’s important to note that switching home loans can be a complex process, and it may be helpful to seek advice from a mortgage broker like Fox Home Loans to ensure that you are making the right decision for your individual circumstances.
Switch Home LoansAn investment property loan is a type of home loan designed specifically for individuals who are looking to purchase a property for investment purposes rather than to live in themselves. These loans are typically used to purchase a property that will be rented out, with the rental income used to help repay the loan.
It’s important to carefully consider the costs and risks associated with investing in property and to do your research to find the right investment property loan for your needs. A financial advisor or mortgage broker may be able to provide guidance and advice to help you make informed decisions about your investment strategy.
Enquire for an Investment Property LoanA renovation home loan, also known as a home renovation loan or a home improvement loan, is a type of home loan that is specifically designed for borrowers who want to renovate or improve their existing home. These loans can provide funding to cover the cost of renovations or improvements, which can be a more affordable way to upgrade a home than selling and buying a new property.
If you are considering a renovation home loan, it’s important to have a clear understanding of your renovation plans and budget, and to work with a reputable lender or mortgage broker who can help you find the right loan product for your needs.
Enquire for a Renovation Loan
Find out how much you can borrow to unlock the door to your dream home.
Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
as a Financial Services Group helping customers Australia wide
of processed applications for everyday Australians and SME businesses
customers provided with genuine, efficient service
Stamp duty is a tax that we pay when we buy a house and is payable when the home contract becomes unconditional. The stamp duty amount that you are required to pay is different in each Australian State. Note that stamp duty is an overhead fee and cannot be included in your home loan (stamp duty is not included in the Loan-To-Value Ratio calculation). Call our Home Loan Specialists on 1300 665 906 today to learn more about home loans as well as applicable stamp duties, fees, charges and concessions in your area.
Refinancing is available to any property loan product pending terms and conditions. Considering a refinance each year gives you a clear indication as to where you can be saving money- whether it’s a lower interest rate, through a cashback offer, or a product with lower fees. Being open to all options your Lending Specialist will discuss is crucial for the investment property refinancing process. Options tailored to your profile mean that you are getting the most competitive products supplied to you upon review.
Rental income helps to strengthen a clients application by injecting surplus income on the profile. For example, if a joint application is made for an investment property; both applicants incomes will be included in addition to the calculated or current rental income figure. EG: Having 3 contributing sources of income on an application provides for a lower risk application.
Several genuine tax deductions can be made for an investment property. These can include maintenance costs (upkeep of the dwelling, gardening, plumbing etc.), any property agent fees, and land taxes. We have partners that can assist in discussing what you can and can’t claim. Just ask one of our friendly Lending Specialists to find out more.
The general rule for a property loan deposit is between 20-30% of the purchase price as a minimum. The higher the deposit, the lower the risk is for the lender to offer the loan product. Speaking to your Lending Specialist will give you a clear indication of how much deposit will be required to propose an offer for the investment property.
