Fox Home Loans makes property ownership easier and smarter with 33 customised financing solutions, covering everything from first homes and renovations to investment, commercial, specialised professional loans, and more.
Buying a home or property doesn’t have to be stressful. At Fox Home Loans, we are your trustworthy Sunshine Coast mortgage brokers, with a passion for helping customers navigate the complex world of home financing. Whether you’re purchasing your first home, investing in property, renovating, or building, we provide tailored loan options to suit your needs and budget.
Here’s a guide to the types of home and property loans we can help you with:
Home loans are flexible financing for purchasing residential properties. Designed to suit a variety of borrower situations, helping you secure your ideal home with manageable repayments.
Get approval before you start house hunting. Pre-approval establishes your budget and strengthens your negotiating position with sellers.
Specialised loans for first-time buyers. Offers tailored support, lower deposit options, and guidance to make entering the property market easier.
Access government grants and incentives designed to help eligible Queensland first home buyers reduce upfront costs.
Home loan refinance is replacing your existing home loan with better terms. Refinancing can help with reducing interest rates, lowering repayments, or accessing additional funds for yourself.
Bad credit home loans are designed for borrowers who have a less than perfect credit history. This can be missed repayments, defaults, or other financial issues. Bad credit home loans offer a second chance to secure a home while rebuilding credit.
Loans for purchasing residential investment properties. Designed to grow your portfolio, generate rental income, and build long-term wealth.
Rentvesting loans cater to borrowers who choose to rent where they want to live while buying an investment property elsewhere. This strategy allows you to enter the property market sooner, build equity, and leverage rental income and potential tax benefits while maintaining lifestyle flexibility.
Finance home renovations, repairs, or upgrades. Makes it possible to enhance your property’s value without waiting to save the full amount.
Low doc home loans streamline loans for self-employed borrowers or those with non-traditional income, offering easier approval while accommodating flexible repayment options.
Self-employed home loans recognise that business owners often have complex income structures that don’t fit traditional lending criteria. These loans assess financial health through tax returns, BAS statements, or accountant declarations instead of standard payslips.
They’re ideal for freelancers, contractors, sole traders, and business owners seeking property finance without being penalised for income variability. With tailored assessment and flexible repayment options, self-employed borrowers can secure competitive home loan solutions that reflect their true earning capacity.
Construction home loans can be for many things, such as prefabricated homes, knockdown rebuilds, adding granny flats or second dwellings, or a new build with land packages. Funds are released in stages, aligned with construction progress, helping you manage cash flow during the build.
Land loans are loans specifically to purchase land for residential or investment purposes, giving flexibility to build your dream home.
Access the equity in your home to fund renovations, investments, or other financial needs.
Guarantor home loans allow a family member, often a parent, to use their property as security to help you purchase your own home. By leveraging the guarantor’s equity, you may be able to buy sooner, avoid paying Lenders Mortgage Insurance (LMI), or secure a larger loan with a smaller deposit.
This type of loan is ideal for first-time home buyers who have strong income but limited savings. It offers a pathway to homeownership while maintaining financial safety nets for both borrower and guarantor through structured loan terms and release options once sufficient equity is built.
Fixed-rate loans offer repayment stability with a set interest rate over a fixed term. Ideal for homeowners who want predictable budgeting and protection against interest rate fluctuations.
Interest-only loans allow borrowers to pay only the interest for an initial period, reducing early repayment amounts. This can free up cash flow for investments, renovations, or other financial priorities.
Non-resident loans cater to individuals who do not reside permanently in the country but wish to invest or buy property locally. These loans accommodate unique eligibility criteria and often require larger deposits.
Expat loans are tailored for Australians living abroad or foreign nationals with Australian property interests. They enable property purchases with flexible repayment options while considering international income streams.
Bridging loans provide short-term finance to bridge the gap between buying a new property and selling an existing one. These loans help manage cash flow and avoid timing issues when moving or upgrading homes.
Home loan health checks are perfect for reviewing your current home loan to ensure it’s still right for you. Identify better rates, optimise repayments, and secure the best deal.
Debt consolidation loans allow you to merge multiple high-interest debts into a single loan, often at lower interest rates. For homeowners, this can be achieved through home loan refinancing, cash-out refinancing, or home equity lines of credit. By converting unsecured debts into a home-secured loan, you simplify repayment, reduce interest costs, and improve long-term financial stability.
SMSF loans empower investors to use their superannuation funds to purchase residential or commercial investment properties.
An SMSF property loan allows wealth growth inside your super fund through rental income and capital gains while diversifying your retirement investment strategy. Ideal for financially disciplined investors seeking to take direct control of their superannuation assets.
Tailored loans recognising nurses’ stable employment and income, with competitive interest rates and repayment options.
Special financing for doctors, nurses, paramedics, physiotherapists, chiropractors, dentists, and veterinarians, acknowledging their unique income structures and career paths.
High borrowing limits, reduced deposit requirements, and competitive rates reflecting doctors’ earning potential.
Loans tailored for paramedics and emergency healthcare professionals, providing flexible approval criteria and repayment options.
Loans for physiotherapists establishing or purchasing a home, accommodating unique income patterns and financial planning needs.
Tailored financing for chiropractors to purchase or refinance homes, designed to align with cash flow from their practices.
Specialised loans for dentists, supporting property purchase or refinance, and considering high earning potential and professional expenses.
Loans designed for veterinarians to purchase or refinance property, reflecting stable demand for their services and tailored repayment options.
Commercial property loans are financing designed for office buildings, retail spaces, warehouses, or other commercial properties. Longer terms and tailored repayment plans reflect the scale of commercial investments.
Commercial construction loans are funding for construction projects or commercial developments. Drawdown facilities release funds in stages, aligned with project milestones and cash flow requirements.
Call us today and speak with one of our dedicated Sunshine Coast mortgage brokers.
We’ll help guide you through every step of the process and secure the best financing for your home or investment property!
 Bill Robb |
Bill has over 26 years of experience working in the finance industry. He has worked across a number of different businesses including Home Loans, Personal Loans, Collections and Insurances. Bill's passion is to utilise his knowledge and experience in the industry to assist clients in meeting their financial goals.
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Reviewed by: Nathan Drew ✅ Fact checked 📅 Last updated: Nov 03, 2025 |
