Fox Home Loans is committed to building mutually beneficial long-term relationships in the financial services market by putting our service and the customer first. We value feedback on the products we offer, the service we provide and the people that provide these products and services as a means of identifying opportunities to improve our service. If you are dissatisfied with any aspect of our products, processes or services, please contact us.
Our team will make every effort to resolve your concerns. If our team are unable to assist, they will refer your concerns to their manager and if he or she cannot resolve your concerns, you may request that the matter be referred to our Internal Dispute Resolution Officer.
If the concern is about one of the insurance products offered on behalf of an Insurance company it will be referred to the insurance company to resolve. As an Authorised Representative, we are required to report such concern to the insurance company under the General Insurance Code of Practice.
The role of the Internal Dispute Resolution Officer is to investigate customer concerns and to make a final decision with a view to resolving the matter satisfactorily, in accordance with our internal dispute resolution process. The Officer usually has the authority to make a final decision and will notify you verbally within 24 hours, where a simple issue and solution is available, and in writing within 21 days where more complex issues may be involved.
Our internal dispute resolution process is free of charge to all our customers.
If you do not agree with our internal Dispute resolution process, you can contact the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers.
Website: www.afca.org.au
Email: info@afca.org.au
Telephone: 1800 931 678 (free call).
In writing to: Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001.
If your complaint is about our collection & use of your personal information you may refer the matter to the Australian Privacy Commissioner who will investigate your concerns and make a decision at no cost to you. Contact details: GPO Box 5218, Sydney, NSW 2001; Ph: 1300 363 992; website: www.oaic.gov.au
If you require assistance in understanding how our internal dispute resolution process operates, contact our Internal Dispute Resolution Officer.
Contact Fox Home Loans via one of the following methods:
Phone: 1300 665 906
Email: compliance@foxfinancegroup.com.au
Post: Suite 14, The Corporate Centre, 13 Norval Ct, Maroochydore, Queensland, Australia, 4558
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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
