There are literally hundreds of home loan products available in Australia. Local and international banks, building societies, credit unions and many specialist lenders offer an endless choice of home loan options.
Fox Home Loans are experts in assisting you determine the best home loan for your individual circumstances.
Variable Interest Rate Home Loans
Fixed Rate Home Loans
Combination Variable - Fixed Home Loans
Introductory & Honeymoon Home Loans
No Deposit or 100% Home Loans
Professional Home Loan Packages
Line of Credit - Equity Home Loans
Investment Home Loans
Bridging Home Loans
Home Loans for Self Employed People
Today, more and more people are self employed (i.e.: they work for themselves as contractors or in their own business). In the past, obtaining a home loan has often been difficult for the self-employed, as they have been required to prove a savings history, regular income and profit over a set period of time.
It is now much easier to get a self employed home loan.
Self employed people who can prove their income can also qualify for the above types of home loans.
Some lenders offer low-documentation (no need to provide financials) home loans at the same rate as standard variable home loans, but low documentation home loans and non-conforming home loans are often priced higher than full-document and standard home loans and interest rates of course typically relate to the lender’s view of you as a risk. (Variances are usually around 1-3% higher than a traditional loan, but rates depend on your level of credit impairment or risk).
Don’t despair if you can’t get lower rates immediately, as increasingly lenders will revert to lower rates after consistent ‘on time’ repayments. If you have been paying a higher rate on a home loan for more than a year and believe you have a case for rate review, talk to us now.
Home Loans for Credit Impaired People
Bad credit history? Less than perfect credit check? This is one of our specialties, at Fox Home Loans we understand that sometimes these situations can be out of your control e.g.: divorce, separation, loss of job etc.
We can help in these circumstances with specialised lenders that offer a 2nd chance and can help you get back on track to achieving your dreams and goals of owning your own home.
Please call one of our experienced staff to confidentially discuss your unique circumstances on 1300 665 906.