23 Jul
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Apply for Pre Approval

How much can I spend and what will my payments be? This is where a home loan pre approval comes into play.

Buying a home can be overwhelming, especially if you don't know how much you can borrow before making your commitment to purchase your new home.

We can help you compare all home loan options and set up a home loan preapproval before you hit the open homes. This can give you confidence in knowing how much you can spend and this also allows you to negotiate a better price on your new home knowing that your loan is pre-approved and ready to go when you are.

Our Home Loan Pre-Approval process costs you nothing and commits you to nothing. We work hard for you to present you with the best home loan options on the market today that will save you money - then you get to make the final decision.

Being a Fox Home Loan client means that:

  • We Help you Compare and Save
  • We Do All the Running Around for You
  • We Give You Freedom of Choice


Here at Fox Home Loans, our team care about helping you understand your credit score and what it means for you. Speak with your Home Loan Lending Specialist about how we help you protect your credit score and what you can do to grow your credit rating.

Happy Family discussing next home loan
A husband and Wife celebrate with joy for their Home Loan Pre-Approval.

What is a Home Loan Pre Approval?

A home loan pre approval is confirmation of your ability to obtain a mortgage loan without having any formal contract in place. The pre approval gives you a hard number that we can approve you for, which allows you to go out and shop around for homes.

You’ll fill out an online pre approval for a home loan and receive confirmation based on the amount you’re eligible to receive. This number is generally good for 90 days. It’s an offer but not a commitment to lend you that amount. There are a number of factors that could change your pre approval amount.

Keep in mind that a pre approval is different from a prequalification. Prequalification is the first step, which is only an estimate of how much you’ll be eligible to borrow based on rough personal finances and a credit check.

This step is more commonly used when a prospective home buyer is unsure if they’re even eligible to receive a home loan.

The best thing about a home loan pre approval through Fox Home Loans is that it doesn’t cost you a thing and it doesn’t lock you into anything. You’re free to take this pre approval and go to someone else if you feel compelled to do so.

Why should I get Pre Approved for a Home Loan?

A pre approval is necessary in the home buying process because it shows the seller of the home you’re trying to buy that you’re serious about purchasing it.

It’s proof that you’re a capable buyer. It could make the difference when it comes to negotiations if the seller is choosing between your offer and another offer.

In some cases, real estate professionals won’t even work with you until you have a home loan pre approval. They may think that you’re not ready or serious about your intention to buy and could only waste their time.

Receiving a pre approval for a home loan is a necessary step of the process and not something that you should overlook.

Apply for Home Loan Pre Approval Today
A happy couple take a photo celebrating their Home Loan Pre-Approval.

How do I get Pre Approval for a Home Loan

Getting mortgage pre approvals is easy through Fox Home Loans. All you need to do is fill out our online form with basic contact information, your credit score, and income information. We’ll work hard to crunch the numbers and see what types of mortgage loans you may be eligible for.

The best thing about getting your loan through Fox Home Loans is that we leave no stone unturned. If you’ve been turned down by the other guys, we’ll continue searching and sifting through a number of qualified lenders until we find a loan package that works for you.

We generally offer multiple choices as well which gives you the freedom to choose the home loan package that makes the most sense for you.

Apply for Home Loan Pre Approval Today

Home Loan Options

Pre Approval

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 Approval

First Home Buyer

A 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 Loan

Home Loan Refinance

Home 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 Loan

Home Loan Switching

Before 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 Loans

Investment Property Loans

An 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 Loan

Renovation Loan

A 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

Some Handy Calculators

Calculate Your Borrowing Power
Calculate Your Borrowing Power

Work out how much you can borrow based on your income and expenses

Calculate Now
Refinance Calculator
Refinance Calculator

Discover how much you can save by refinancing or switching home loans

Calculate Now
Stamp Duty Calculator
Stamp Duty Calculator

All it takes is a few easy steps to find out your upfront costs

Calculate Now
Property Purchase Calculator
Property Purchase Calculator

Work out how much it could cost you to purchase a property

Calculate Now
Happy Couple holding new home keys

5 Simple Steps To Getting Your Loan

  • 1. Enquire
    1. Enquire

    Enter some basic details in our simple online form.

  • 2. Speak With An Expert
    2. Speak With An Expert

    Discuss your loan preferences and application information.

  • 3. Get Pre-Approval
    3. Get Pre-Approval

    Your Lending Specialist will discuss all details of your pre-approval.

  • 4. Sign Your Documents
    4. Sign Your Documents

    With our technology, you can simply sign your loan documents electronically.

  • 5. Move In
    5. Move In

    Your loan funds will be processed when settlement is finalised. It's that simple!

5 Simple Steps To Getting Your Loan

What Our Clients Say

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