How much deposit do I need for a home loan?

Most lenders require at least a 5% deposit plus upfront fees, but the exact amount depends on the property and lender criteria. Our Home Loan Specialists can help you find the right loan and deposit option for your unique situation.

How much will my home loan repayments be?

Repayments depend on your loan amount, interest rate, and loan term. You can use our home loan repayment calculator or speak with our Home Loan Experts for an obligation-free estimate tailored to your circumstances.

What are the main benefits of refinancing my home loan?

Refinancing can lower your interest rate, reduce repayments, consolidate multiple debts, or adjust your loan term to better suit your cash flow. It can save you money and make managing your mortgage simpler, as well as save you ten of thousands over the life of your loan.

How does refinancing a home loan actually work?

Refinancing replaces your current mortgage with a new one, usually with better terms. The new loan pays out your existing balance, and you continue repayments under the updated agreement, potentially reducing repayment and interest, maximising your cash-flow and long-term savings.

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Are you Eligible for a Loan?*

To increase your chances of approval with our panel of lenders, you must:

Be 18 years of age or older

Be a permanent Australian Resident or citizen.

Be employed full time 1+ months / casually employed 3+ months

Earn a gross annual income of $45,000+ or more.

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With Fox Finance Group you are. We have an Australian Credit Licence (ACL) and are regulated by the consumer watchdog the Australian Securities and Investments Commission (ASIC). We know our responsibilities to our clients and pride ourselves on creating raving fans in our business.

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You will have a dedicated Lending Specialist to guide you through our simple, fast online process and answer any questions that you may have along the way.

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We'll protect your credit score while reviewing your application. Your credit file won't be affected during the assessment process, and you'll even get a free copy to download on file.

Fox Finance Group FAQs

Most lenders require at least a 5% deposit plus upfront fees, but the exact amount depends on the property and lender criteria. Our Home Loan Specialists can help you find the right loan and deposit option for your unique situation.
Repayments depend on your loan amount, interest rate, and loan term. You can use our home loan repayment calculator or speak with our Home Loan Experts for an obligation-free estimate tailored to your circumstances.
Refinancing can lower your interest rate, reduce repayments, consolidate multiple debts, or adjust your loan term to better suit your cash flow. It can save you money and make managing your mortgage simpler, as well as save you ten of thousands over the life of your loan.
Refinancing replaces your current mortgage with a new one, usually with better terms. The new loan pays out your existing balance, and you continue repayments under the updated agreement, potentially reducing repayment and interest, maximising your cash-flow and long-term savings.