Fox Symes Home Loans
Refinance with Fox Symes Home Loans
If you’re struggling to repay your existing debts; credit card, home loan, personal loan, etc. then consider looking at Fox Symes revolutionary refinancing and home loan packages before you waste more money than necessary.
Fox Symes Refinance Home Loan
Fox Symes Home Loans offers a range of competitive solutions to refinance your home loan. Take advantage of this variable rate home loan offer with $0 ongoing fee. Simply fill out a free home loan consultation online and you will be assisted in finding the best home loan and interest rate in the market.
- Interest Rate of 5.99%
- Comparison Rate of 6.01%
- Application Fee of $Varies
- Maximum LVR With LMI: 95%
- Minimum Borrowing: $500,000
- Maximum Borrowing: $2,000,000
As one of Australia’s leading home loan providers Fox Symes offers its customers a range of financial tools to own their home. They can assist you with low interest loans as well as refinancing options to consolidate your existing debt.
The team at Fox Symes are experts to help you make sense of your financial mess and ready to assist whenever you need.
Who Can Benefit from Fox Symes’ Services?
Australians who:
- Are in arrears with their existing home loan;
- Have an irregular income;
- Can’t manage their debts;
- Battle with an adverse credit history.
A subsidiary of FSA Group Limited, Fox Symes is listed on the Australian Securities Exchange as a public company. FSA Group Limited is Australia’s largest debt solutions provider. The company services businesses and individuals.
A Range of Loans are Available
If you need financial assistance then the best option is to contact Fox Symes for more information after you’ve read this page. In general they can assist you with expert advice on your personal circumstances.
FAQs
- How much can I borrow?
You can borrow up to $2 million (depending on your loan and financial situation) - How high is the loan to valuation ratio?
The ratio is quite high with up to 95 per cent. - Can the loan be split?
Yes. - Do I have to pay ongoing fees?
No. - Is my loan portable?
Yes it is. - Can I make repayments as often as I like to save on interest?
Yes. You can pay your repayments weekly, fortnightly or monthly. - What if I want to make additional repayments? Will I be penalised for this?
No. You can make surplus payments to pay off your loan much sooner and save thousands of dollars in interest. - OK I get all the above. But what if I need to re-draw some of the excess payments I made for a financial emergency?
You can re-draw all excess monies paid (the money you paid on top of your scheduled repayments). - Can I get a 100% offset account?
Yep you sure can. This means that you can place all your savings into your home loan account and pay a lot less interest than other home owners. Your savings are offset against the loan owed to the institution and you only pay interest on the difference between what you have in the account and what is owed. - Can I access my Fox Symes account online?
You certainly can. We give you a no-fuss, easy-to-access online login so you can manage your loan day and night.
Mortgage Refinance Options
If you think you can benefit from a free mortgage assessment to see how you can save money by refinancing your existing loan then the team at Fox Symes can take care of that.
How mortgage refinancing works
When you apply for refinancing you basically apply for a new loan. You then use the new loan to pay off your old one. The idea is to use a lower rate loan to refinance with so you can save on high interest rate costs.
This is a great way to consolidate your existing debts because you can literally move any outstanding debt you have into the consolidated loan. Instead of having to pay high interest on your credit card debts, personal debts and home loan you can pay one low interest, and one monthly repayment.
Refinancing works and allows you to:
- Minimise the amount you owe
- Have one convenient loan to take care off monthly
- Pay less in interest
- Pay off your home loan much faster than if you were to keep your existing debts
Case Study
Sally and John are a typical Australian couple. Five years ago they bought their ow home. But they didn’t start out debt free; they had various loans from the past of which one was a personal loan, a car loan, and three credit card debts.
As you can imagine the couple was pretty frustrated about the increased repayments and the consistent worry about finding the money to pay off their debts. They were about to fall into a bottomless pit of debt that got bigger every month.
A snapshot of their loan accounts revealed the following:
| Loan Account | Balance | Minimum Monthly Repayment |
| Home Loan | $425,000 | $2,550 |
| Mortgage Vehicle Loan | $16,500 | $300 |
| Personal Loan | $8,500 | $500 |
| 3 Credit Cards | $40,000 | $1,200 |
| Total | $490,000 | $4,550 |
Their minimum monthly repayments at the time were $4,550.
After getting a refinancing assessment from Fox Symes Sally and John took out a new home loan for $490,000. This allowed them to consolidate all their existing debt into the new loan.
On top of this they now only have to pay one monthly repayments AND they are saving a whopping $1,300 per month.
If you are struggling with your mortgage, time is of the essence
The best thing you can do if you find yourself in a situation like Sally and John is to ask for help sooner than later. When you look at their situation before they were able to consolidate you’d agree that it looked pretty hopeless.
But like them you can save thousands on your existing debt with the right advice and consolidation package.
Click here to find out more about this offer
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