The FoxHomeLoans.com.au website is owned by Fox Property Finance Pty Ltd trading as Fox Home Loans and your access to this website is subject to these terms and conditions and privacy policy. Fox Home Loans may, at its sole discretion, vary or modify these terms and conditions without notice. Your subsequent access to or use by you of the website will constitute an acceptance of those modifications.
Fox Property Finance Pty Ltd collects personal information about you for the purposes you agree to in our Privacy and Provision of Credit policy. You can find a detailed copy here. Any personal information obtained from you is used only for the purposes listed in this policy and is not disclosed to any other person except with your consent or as permitted, or required, by law. If you do not provide the information sought we may be unable to process your application for credit or the application by the prospective guarantor to be a guarantor, or we may be limited in the services we can provide you. You have a right to access the personal information we hold about you by contacting the Fox Property Finance Pty Ltd, Privacy Officer, at Suite 14, The Corporate Centre, 13 Norval Ct, Maroochydore, Qld, 4558. Our privacy policy is available at any of our offices and on our website.
By requesting a finance quote via submitting a Quick Quote or an Online Application on our website FoxHomeLoans.com.au, you, as our client, acknowledge and authorise:
1. Fox Property Finance will obtain from, and disclose to, any third party any information about you, that is reasonably necessary to advise you, or to assess, arrange, provide or administer your credit application.
2. Fox Property Finance will provide your personal information to a lender Fox Property Finance, approaches so the lender can assess your credit application.
3. A lender approached by Fox Property Finance, may do any, or all, of the following to assess your credit application:
3a. Notify a credit reporting agency you have applied for credit with them, the amount of the credit required and that they are your current credit provider
3b. Provide your identification details to a credit reporting agency
3c. Exchange credit information about you with a credit reporting agency and any credit provider named in any credit report from that agency, or any credit provider named in your application
3d. Obtain information about your commercial activities or commercial credit worthiness, where relevant, from a credit reporting agency.
3e. Disclose information about your proposed loan and your credit information to a guarantor or prospective guarantor.
4. Fox Property Finance, as your agent may do any, or all, of the following on your behalf to access and disclose your credit information:
4a. Provide your identification details to a credit reporting agency
4b. Obtain your credit report from a credit reporting agency
4c. Disclose information from the credit report and any relevant credit information to a lender Fox Property Finance has approached
4d. Disclose information about the proposed loan and your credit information to the guarantor, or prospective guarantor.
5. Fox Property Finance may use your personal information to make future offers to you. If you do not wish to receive this service, you may contact Fox Property Finance, in writing c/- The Privacy Officer, at Suite 14, The Corporate Centre, 13 Norval Ct, Maroochydore, Qld, 4558 to request its cancellation.
6. Fox Property Finance may disclose personal information, including credit information, about you to organisations that provide services to it, such as contractors, agents, computer systems consultants or providers, document custodians and advisors so they can perform those services.
All information contained on this website is given in good faith and has been derived from sources believed to be accurate. Fox Property Finance makes no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such. Fox Property Finance, including its directors, affiliates, officers and employees will not accept any liability for any loss, damage or other injury resulting from its use.
Should you leave this site via a link contained within this website, and view content that is not provided by Fox Property Finance you do so at your own risk. Links to other websites are provided for convenience only and do not represent any endorsement by Fox Property Finance.
The information on this site is based on current laws and their interpretation. You should, therefore, consider seeking professional advice and should not rely on the information provided but should be used as a guide only.
Fox Property Finance reserves the right to make changes, modifications, additions, deletions and corrections to the web site, at any time and without notice.
Fox Property Finance regards your privacy as important and will take all reasonable steps to ensure that if you have subscribed to receive marketing material, your e-mail address will remain confidential.
Information contained on this website is owned by Fox Property Finance. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material
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Work out how much it could cost you to purchase a property
Calculate NowStamp 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.
as a Financial Services Group helping customers Australia wide
of processed applications for everyday Australians and SME businesses
customers provided with genuine, efficient service
