Lending options

 Brave.

Typically, when looking to purchase a property, First Home Owners go to their Bank and look no further. Unfortunately, it is extremely unlikely that they will find the most suitable Home Loan on the market by only going to one or even five Lenders! When it comes to Home Loans - not all products are the same and you could find yourself wasting thousands of dollars over the life of the loan on fees and interest if you don't choose wisely.

This is where Foxtail comes in! As part of our service we compare over 20 different lenders and then provide you with a detailed comparison report analysing the top three Home Loans in the market that are most suited to your individual needs. 

All you have to do is choose which of the three products you would prefer.

 Sharp.

A lot can change in the Australian mortgage market over 12 months, so we check in with our clients every year for a Mortgage Health check

However, just because you see lower rate home loans on the market, does not necessarily mean that you will benefit from a refinance. There are always costs involved in refinancing and these need to be taken into account. We understand this and are happy to help you decide if refinancing is a cost-effective option and, if it is, to show you the products that will save you money.

As part of our service we will find the Home Loans most suited to your needs and provide you with a Head to Head comparison report against your current home loan. 

Your dedicated Finance Broker will organize the entire application for you.

Determined.

  Finding the right mortgage product is a crucial part of purchasing an investment property. 

There are a number of options when it comes to financing investment properties. Selecting the option which is best for you depends on your current financial circumstances. 

We compare over 20 different lenders and then provide you with a detailed comparison report analysing the top three Home Loans in the market that are most suited to your investment needs.

If you already own your own home, you may be able to use some of the existing equity in that property to support your application for 100%+ funding of your investment property. 

At Foxtail, we have the knowledge and tools to help you find the most suitable Investment Loan. 

Wise.  

Specialist Home Loans are those requiring a different approach to the conventional bank assessment. For example loans fallen into arrears, past defaults, court judgements, self employed and unable to verify income due to one or several plausible reasons, or perhaps your deposit has come from a source which is not regarded as 'genuine' savings. 

Generally, any of the above mentioned anomalies on applications for finance will be rejected by mainstream lenders. In contrast, Specialist Lenders have a vastly different approach to non-conforming borrowers and offer a shining light of hope for those whom have run into some bad luck in the past.

If your profile falls into one of these specialty areas and you have been unsuccessful in your search for a loan product, Foxtail may be able to assist you. 

Life is not always fair and sometimes you just need a bit of support to get back on your feet.

If your bank says no - let the fox do the hunting for you.

  Expert.

If you’re a Doctor, Dentist, Accountant or other highly-paid medical or other professional, you could get a lower interest rate and LMI waived with your home loan.

Before lending money to any borrower, every financial institution will consider a loan applicant’s financial history and credit record to determine their ability to repay the loan amount.

Certain borrowers are seen as lower-risk by lenders, and in-turn, receive special consideration. If you're a Doctor, Dentist, other medical professional, Account, Lawyer or in other highly-paid professional career, you could have the option of saving thousands on your home loan.

Some lenders offer specialist home loans for professionals with a range of attractive discounts, including discounted fees, better interest rates, higher loan-to-value ratios (LVRs) and the ability to avoid lenders’ mortgage insurance (LMI) payments altogether.

Once you become part of the Foxtail family it is our duty to protect and help you during the life of your loan by ensuring you're confident in the decisions you make.

Ambitious.   

We understand the needs of small businesses... because we're one too.

With so many finance providers offering different finance types, all with varying structures and repayment options, it can be difficult to find the one that’s best for your business. It pays to seek independent advice before you make your choice, and this is where we can help.

Owner and Lending Specialist, Todd Bridgeman and his team have been providing commercial finance services for 10 years, helping business-owners that are just starting out; business-owners that are struggling; and business-owners who are looking to take their ventures to the next level.

Our mission is to make the process of financing your growing business easier, leaving our clients with a smile and sense of liberation so that they are able to focus on their business.  

As a local, family owned business, we don’t just enter into another business transaction with you, we form a relationship that lasts.