Fox Home Loans is an Australian company founded in 2006. Since then, we’ve helped thousands of customers find their perfect home loan.
Our goal is simple: to guide you through the confusing maze of lender requirements and find a home loan that fits your needs perfectly.
We only work with trusted banks and lenders on our approved panel. Our team regularly checks these lenders for competitive interest rates, reasonable fees, useful features, and quality service, making sure you get the best options available.
Our friendly home loan experts use their skills and knowledge to stand up for you. We work hard to get you the best possible deal in today’s home loan market.
We believe that finding the right home loan should be straightforward and personalised to your unique situation. We’re committed to matching our clients with loan solutions that truly fit their financial circumstances, delivering guidance founded in care, and competitive options that help turn homeownership dreams into a reality.
We strive to provide content that is trustworthy and accurate. We will make sure all of our content is thoroughly checked and reliable so you can make informed decisions about your personal finance options. Below are our guidelines to make sure we deliver on this promise to our readers:
Accuracy is the foundation of everything we write. We promise to give you information that is correct and trustworthy. To do this, we carefully research all our content using reliable sources like government websites, financial institutions, and industry experts. Our editorial team reviews everything before we publish it.
Being fair and balanced is just as important to us. We present information without favouring any financial product or service. Our writers never receive payments or rewards for giving positive reviews about any organisation, not from us or from the financial institutions we write about.
We work hard to make sure you can trust what you read here, so you can make informed decisions about your finances with confidence.
Our content team is completely separate from the rest of our organisation. This means advertising or business interests never influence the content we create.
Our team is responsible for all content on our website. We regularly review our previously published information to make sure it’s still accurate and up to date.
This independence allows us to provide you with honest, reliable information you can trust when making important financial decisions.
We firmly believe in being open and honest in everything we publish. When we use facts and figures from outside sources, we clearly identify where this information comes from. We also provide the necessary background context to help you fully understand the information we share.
This transparency ensures you can verify our sources and gain a complete picture of the financial topics we cover, helping you make well-informed decisions with confidence.
All our content is checked by our editorial team before it goes live. We verify all facts, figures, and details using reliable sources. Our writing is clear and simple, avoiding jargon or hard-to-understand terms.
We also keep our content up to date with the latest news and changes in the financial world.
We appreciate your feedback and welcome suggestions for enhancing our content. Our editorial team reviews every comment and takes necessary steps to resolve any concerns.
If you feel we haven’t met our editorial standards, please go to our contact us page. After we review your feedback, we will take one of the following actions.
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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
