Curious how much you can borrow and what your repayments might look like? Our home loan pre-approval and easy-to-use home loan repayment calculator give you the answers you need, fast.
Getting pre-approved doesn’t just give you clarity and confidence, it also strengthens your negotiating position when it’s time to make an offer.
Our dedicated team will compare a wide range of loan options on your behalf and guide you through a simple, no-obligation pre-approval process so you can step into your first open home fully prepared.
As a Fox Home Loans client, you benefit from:
A home loan pre-approval is a lender’s indication of how much you may be able to borrow before you’ve found a property. It gives you a clear budget, typically valid for 90 days, so you can shop with confidence.
Unlike a pre-qualification, which is a rough estimate, pre-approval involves a more detailed review of your finances and credit. It’s not a guarantee, but it’s a strong step towards securing a loan.
Pre-approval shows sellers and real estate agents that you’re a serious, qualified buyer. It strengthens your offer in competitive markets and can even be required by agents before showing properties. It also gives you a clear budget, making your home search more focused and credible.
Don’t step into the property market guessing how much you can borrow. With pre-approval, you’ll know your budget, strengthen your negotiating power, and explore a range of loan options tailored to you. Reach out today for a simple, no obligation chat.
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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Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
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A pre-approval home loan is when a lender assesses your finances and conditionally agrees to lend you a certain amount before you buy a property. It gives you a clear idea of your budget, shows sellers you’re a serious buyer, and can speed up the buying process once you find the right home. At Fox Home Loans, we can help you get pre-approved quickly and with confidence.
This depends on your deposit, the amount you’re borrowing, and several other factors. Our Lending Specialists can let you know if you qualify for a product without, or if it’s something you’ll require to proceed.
Your home loan pre-approval amount depends on your financial situation, including your income, expenses, existing debts, and credit history. Lenders use this information to estimate how much you can borrow, giving you a clear idea of your budget before you start house hunting.
At Fox Home Loans, we can guide you through the process to get the most accurate pre-approval for your circumstances.
