Life can change rapidly, whether it's a growing family, a new job, or simply a shift in priorities. Whatever your situation, it's crucial that your home loan adapts to meet your evolving needs.
Even if you have held your current mortgage for just a few years, you might benefit from new loan features or lower interest rates.
Think of a home loan health check as a financial checkup for your mortgage. We review market changes alongside your personal circumstances, including interest rates, repayment options, income, and property value, to ensure your loan remains the best fit.
Personal finances can shift quickly, so don't wait. Regular mortgage reviews can uncover savings and better options, even if you recently took out your loan.
Reviewing your current home loan can uncover valuable opportunities for improvement such as:
We’ll compare your existing rate against current market trends to ensure you’re not missing out. You can never assume your rate is competitive without thorough research.
You may qualify to switch between fixed and variable rates, depending on what suits your financial situation and market conditions. There is no one-size-fits-all, choosing the right option depends on timing and your goals.
Sometimes, it’s not just about the rate but the loan features that matter. Different lenders offer unique perks and benefits, so exploring your options could provide advantages beyond just interest savings.
Your Home Loan Specialist will understand your unique needs and answer all your questions with expert guidance. Using advanced tools, they’ll compare hundreds of loans from major lenders to find the best fit for you.
Once you choose, they’ll handle the paperwork and support you through the entire application and settlement process. We ensure you get a loan tailored to your goals by carefully evaluating rates, fees, and features.
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
Work out how much you can borrow based on your income and expenses
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Discover how much you can save by refinancing or switching home loans
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Work out how much it could cost you to purchase a property
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Enter some basic details in our simple online form.
Discuss your refinance loan preferences and application information.
Discuss the features and benefits of your proposed refinance options.
With our technology, you can simply sign your loan documents electronically.
Your refinance transition will occur when settlement is finalised. It's that simple!
Enter some basic details in our simple online form.
Discuss your refinance loan preferences and application information.
Discuss the features and benefits of your proposed refinance options.
With our technology, you can simply sign your loan documents electronically.
Your refinance transition will occur when settlement is finalised. It's that simple!
Enter some basic details in our simple online form.
Discuss your refinance loan preferences and application information.
Discuss the features and benefits of your proposed refinance options.
With our technology, you can simply sign your loan documents electronically.
Your refinance transition will occur when settlement is finalised. It's that simple!
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A home loan health check is a FREE service we provide for your current mortgage to ensure it’s still the best fit for your financial situation. It involves comparing your interest rate, fees, and loan features against other options on the market.
You should review your home loan every 1 to 2 years, or whenever your financial situation changes. It’s also a good idea to perform a health check before your fixed-rate term ends, as your repayments will likely increase.
No, a home loan health check is the initial review to see if refinancing is a good idea. Refinancing is the process of replacing your current loan with a new one, either from the same or a different lender, after a health check has identified a better option.
Yes, a health check is specifically designed to see if you can get a lower interest rate. By comparing your current rate to new offers on the market, our team can either negotiate a better deal with your existing lender or refinance to a new one.
A “healthy” home loan is one that aligns with your current financial goals and market conditions. Your dedicated Home Lending Specialist will review your interest rate, the fees you’re paying, and whether the loan features (like an offset account) are still meeting your needs.
