
Fox Symes home loans comparison
Fox Symes offers a range of debt consolidation solutions to Australians.
Fox Symes is a specialist lender dealing with borrowers, both individuals and businesses, who are currently experiencing bad credit or who can not meet their current debt obligations. If you're struggling to repay your existing debts, whether it's credit cards, home loans, personal loans or something else, then you may want to consider looking at Fox Symes to help you make sense of your financial situation.
Speak to an expert at Fox Symes and get help with your debt

Can you benefit from Fox Symes?
- Are you in arrears with your existing home loan?
- Are you struggling to make your regular repayments?
- Do you have an irregular income?
- Are you having trouble managing your debts?
- Do you have a credit history with some negative entries?
If you answered yes to any of the above questions, Fox Symes might be able to assist you with your financial situation.
Do you know your credit score? Get your free report now
It's important to note that Fox Symes is not your typical lender, so read the terms and conditions before you commit to anything. Don't be afraid to ask the staff there to explain every detail of your contract and what debt agreements you may be getting into in order to be eligible for one of its products.
What mortgage refinance options do you have?
If you need financial assistance then the best option is to contact Fox Symes using the "Enquire" button above for more information. It offers a free mortgage assessment where it will review your situation to see how it can save you money by refinancing your existing loan.
When you apply for refinancing, you basically apply for a new loan. You then use the new loan to pay off your old one, and perhaps consolidate some other debts into the loan. The idea is to refinance to a lower rate loan so you can save on high interest rate costs.
Then, instead of having to pay higher interest on your credit card debts, personal debts and home loan you can pay one low interest rate and one monthly repayment.
Refinancing allows you to:
- Minimise the amount you owe
- Have just one loan to take care of monthly
- Pay less in interest
- Pay off your home loan much faster than if you were to keep your existing debts
Example: Sally and John are a typical Australian couple
5 years ago, the couple bought their own home. But they didn't start out debt-free. They had various loans from the past including a personal loan, a car loan and 3 credit card debts.
As you can imagine they were 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 a single monthly repayment AND are saving a whopping $1,300 per month.
* This is a fictional, but realistic, example.
Fox Symes at a glance
A subsidiary of FSA Group Limited, Fox Symes is listed on the Australian Securities Exchange as a public company. FSA Group Limited is one of Australia's largest debt solutions organisation.
Want to speak to Fox Symes about your options?
If you would like to find out more information or discuss your eligibility with Fox Symes, please click on the "Enquire" button to request a call back from one of its consultants.
You'll need to be an Australian resident to be eligible for any loans offered by Fox Symes and will be asked to provide a few details, such as:
- Type of debt
- Name and contact details
- Best time to call
Features available with a home loan with Fox Symes
Maximum loan amount | Up to (depending on your loan and financial situation) |
Loan to value ratio (LVR) | LVR |
Split loan facility | ![]() |
Ongoing fees | ![]() |
Loan portability | ![]() |
Repayment flexibility* | ![]() |
Extra repayments | ![]() |
Re-draw extra funds** | ![]() |
100% offset account | ![]() |
Online account access | ![]() |
*You can pay your repayments weekly, fortnightly or monthly
**You can re-draw all excess monies paid (the money you paid on top of your scheduled repayments)
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Ask an Expert
Good morning,
I currently have a contract with Fox Symes. My contract is due to be paid off in full in 2016.
I have a question in relation to a motor vehicle I am struggling to get my head around.
My vehicle is currently salary sacrifice at the moment and i am wanting to sell. My pay out figure for the vehicle is $10,000.
The vehicle is also worth $10,000.
My question is, if I get rid of the vehicle is there any chance in the meantime I am able to obtain a $5,000 loan for another motor vehicle?
Regards
Hi Stephanie,
Thanks for your question.
Your chances of obtaining a car loan will depend on your financial and personal situation. This will also depend on the contract that you currently have with Fox Symes.
To get a standard car loan, you typically need a good credit history and be in full-time employment. If you would like to discuss your eligibility or options, please get in touch with a lender featured on our car loans page. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
All the best,
Shirley
I have just finished paying a bad debt consolidation, I’m thinking about trying to get a loan to buy some land, I’m not sure if this is possible ….could you please give me some advise…thank you…leanne
Hi Leanne,
Thanks for your question.
A good place to start is to check your credit file to see where you currently stand. If you have a good credit standing this opens up a lot of your options.
However, if you find that your credit is still in a bad standing you may want to approach a lender that specialises in these type of loans. On our panel of lenders we have Pepper and Fox Symes who may be able to assist.
You may also want to speak to a certified mortgage specialist, they’re home loan experts who can help you find the right loan for your situation.
Cheers,
Shirley
can you get a mortgage if you have been in bankruptcy
Hi Kim,
Thanks for the question.
People who have been bankrupt in the past can definitely get home loans, but it will depend on whether they are still considered a ‘discharged’ bankrupt or not. Usually, from when you become bankrupt to when you are no longer considered a discharged bankrupt is five years. During this time it is extremely difficult to obtain finance, so you may want to wait until after this discharged bankrupt entry is removed from your credit file. I would recommend obtaining a copy of your credit file to find out if this will be a limiting factor when applying for a home loan.
I hope this helps,
Marc
Is it possible to consolidate all my loans under you. this includes my home loan of 142000/my car loan of 12000/ and a bike loan of 12000. my house has been revalued at 179000 my average yearly wage is 63000
Hi Matthew,
Thanks for your question.
Finder.com.au is a comparison service, unfortunately we don’t handle the applications ourselves and so cannot comment this. Please enquire with Fox Symes directly.
Cheers,
Shirley
Credit Part 9 with you guys before but now I would like to obtain a home loan ($550,000) house and land package), paid off to Fox Symes, combined income with partners, thanks.
Hello T,
thanks for the question.
We’re a comparison service, meaning we don’t manage any of these products on Fox Symes’ behalf. You might wish to contact Fox Symes directly regarding a new home loan. You can do this by clicking the ‘enquire’ button in the table above to request a call back, or by calling them directly.
I hope this helps,
Marc.