Is your debt getting out of control?

Getting into debt is easy. Being able to control debt is difficult. If your debts have got out of control then you need help. Knowing where to get help can sometimes be a problem. Fox Symes can help you.

Drowning in Credit Card Debt?

Are your credit cards at the credit limit or over?

Is most or all of your income dedicated to paying off your credit card debt? Can you only afford to pay the minimum monthly repayment on your credit cards each month?

Did you know that if you owe $20,000 on your credit cards and if you only pay each month the minimum monthly repayment, it will take you 63 years and 8 months to pay off your credit card debt. Use our Credit Card Repayment Calculator

What Fox Symes May Be Able To Do For You

  • Consolidate your credit card debt into one monthly repayment
  • Lower your monthly repayment to an amount you can afford to pay
  • Reduce your interest rate so you pay the least amount of interest possible
  • Eliminate your credit card debt and take financial control

If you have credit card debt and want to know more about the solutions available to you contact us on 1300 361 204 or fill out the short contact form.

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Thinking about Debt Consolidation?

What are Debt Consolidation Loans and what are the benefits?

A debt consolidation loan may consolidate all your credit cards and unsecured personal loans into a single loan. It can be a better way to manage your debt. You may end up with one manageable monthly payment at a lower interest rate, saving you thousands on interest and possibly shortening your overall repayment period.

What debts can be consolidated?

All your unsecured personal loans, credit cards and store cards.

Is it easy to qualify for a debt consolidation loan?

Each bank has an eligibility criterion which is used to assess if you qualify for a debt consolidation loan or not. It is highly unlikely you would qualify for an unsecured debt consolidation loan if any of the following applies to you:

  • You have a bad credit record
  • You have a history of late payments
  • You have been bankrupt in the past 10 years
  • You are in default on any other loan repayments
  • You do not have regular employment

If you don't qualify for a debt consolidation loan, what else can you do?

If you have been refused a debt consolidation loan or you think you will not qualify for a debt consolidation loan, there are other options available which you should explore.

Fox Symes can offer you a range of debt consolidation solutions that can help you:

  • Consolidate your debts & loans into one easy monthly repayment
  • Lower your Interest Rates
  • Reduce your monthly Repayments
  • Save Thousands in Interest

Fox Symes is the largest provider of debt consolidation solutions assisting over 100,000 Australians each year. Fox Symes has been featured on both A Current Affair and Today Tonight.

Right now, Fox Symes offers a free, no-obligation over the phone debt consultation to help you determine whether debt consolidation is an option for you.

Call 1300 361 204 now or fill out the short contact form for your obligation free debt consultation.

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Problems with Personal Loan Repayments?

Take Immediate Control of Your Personal Loan Repayments

Are you being weighed down by high interest rate personal loans?
Is most or all of your income dedicated to paying off your personal loans?

Fox Symes is the largest provider of debt solutions to individuals and businesses in Australia. Fox Symes helps over 100,000 Australians each year resolve their debt and take financial control.

What Fox Symes May Be Able To Do For You

  • Consolidate your personal loan debt into one monthly repayment
  • Lower your monthly repayment to an amount you can afford to pay
  • Reduce your interest rate so you pay the least amount of interest possible
  • Eliminate your personal loan debt and take financial control

If you have personal loan debt and want to know more about the solutions available to you contact us on 1300 361 204 or fill out the short contact form.

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Struggling with Mortgage Repayments?

If you are in debt then refinancing your existing mortgage or home loan may be a solution for you.

Mortgage refinance uses the equity available in your property to repay other high interest debts. It may allow you to package your current monthly repayments from all your debts into one convenient repayment. This means you end up paying less each month. A mortgage refinance may be available to you even if you fit into one or more of the following categories:

  • Short-term employed or not employed long enough
  • Irregular income
  • Self employed
  • Government Allowance including New Start
  • Previously bankrupt
  • Declined by another lender
  • Pensioner
  • Adverse credit history
  • Existing loan arrears or defaults
  • Limited savings history

Fox Symes understands that everybody's personal financial situation is unique, so let us help you assess your situation and provide you with the solutions that may be available to resolve your debt.

How does mortgage refinance work?

A mortgage refinance is the process of applying for a new loan on your current property and using this new loan to pay out your current mortgage and any other debt you may have.

Benefits of mortgage refinancing

The benefits of mortgage refinancing may include:

  • paying off your mortgage faster
  • extending the length of your mortgage and thereby reducing the amount you repay each month.
  • a lower interest rate or more favourable terms than your current mortgage
  • consolidating your credit card and personal loan debts into your mortgage to take advantage of the lower mortgage interest rate
  • drawing additional funds against your property for expenses of a personal nature

Consolidate your debt through a mortgage refinance

A mortgage refinance is often used to consolidate credit card and personal loan debt. This is because a mortgage loan is usually available at a substantially lower interest rate than the interest rate you pay on your credit cards or personal loans.

By consolidating all your debts under your mortgage you will only have to make a single repayment instead of making multiple repayments each month. In addition, you may end up paying less each month than you are currently. This helps many people manage their finances more effectively.

When applying for mortgage refinancing

When applying for a mortgage refinance loan make sure:

  • You are fully informed
  • Your repayments have been reduced - not increased
  • There are no hidden fees or costs
  • You have achieved control over all your debts
  • There is a real long term benefit to you

Fox Symes can assist you with a mortgage refinance. We have relationships with numerous lenders who may be able to provide you with a mortgage refinance loan that will assist you.

Fox Symes is the largest provider of debt solutions to individuals and businesses in Australia. Fox Symes helps over 100,000 Australians each year resolve their debt and take financial control.

If you would like to find out more about mortgage refinance contact us on 1300 361 204 or fill out the short contact form.

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Worried about Losing your Car?

Resolve Your Debt Now and Keep Your Car

Worried about losing your car?
Has your debt become unmanageable?

Hundreds of Australians worried about losing their car call Fox Symes each month. Fox Symes is the largest provider of debt solutions to individuals and businesses in Australia. Fox Symes helps over 100,000 Australians each year resolve their debt and take financial control.

What Fox Symes May Be Able To Do For You

  • Consolidate your debt into one monthly repayment
  • Lower your monthly repayment to an amount you can afford to pay
  • Reduce your interest rate so you pay the least amount of interest possible
  • Eliminate your debt and take financial control

If you are in debt and want to know more about the solutions available to you contact us on 1300 361 204 or fill out the short contact form.

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Are you Considering Bankruptcy?

Bankruptcy Assistance

If you are in debt and are considering bankruptcy think before you act. Bankruptcy is a last resort and has serious consequences. There are various options to deal with unmanageable debts. Before you make any decision or take any steps talk to Fox Symes. There are alternatives.

Do I Need to Become Bankrupt?

Bankruptcy may seem an easy and attractive option if you want to deal quickly with your creditors. However it has consequences which you should know about before you consider taking this step. Find out from Fox Symes the other options which may be used to address you financial situation. You may not have to go bankrupt.

Bankruptcy is a last resort and has serious consequences.

Fox Symes is the largest provider of debt solutions to individuals and businesses in Australia. Fox Symes helps over 100,000 Australians each year resolve their debt and take financial control.

If you would like to find out more about bankruptcy contact us on 1300 361 204 or fill out the short contact form.

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FREE Debt Assistance

It only takes 15 seconds to find out if we can help you.

Quick, confidential and no obligation.

1300 361 204
Fox Symes FREE Debt Helpline 1300 361 204

Talk to the debt solutions experts!

Fox Symes offers a range of debt consolidation solutions to individuals which include budgeting assistance, informal creditor arrangements, arrangement of third party debt consolidation loans and mortgage finance, debt agreements, personal insolvency agreements and bankruptcy assistance.

Fox Symes is the largest provider of debt consolidation solutions to individuals and businesses in Australia. Fox Symes has been featured on both A Current Affair and Today Tonight.

Fox Symes helps over 100,000 Australians each year resolve their debt and take financial control. Contact us on 1300 361 204 or fill out the short contact form.

Quick Debt Reduction

  • Consolidate your Debt
  • Reduce your Repayments
  • Save thousands in Interest

We can help. Call 1300 361 204

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Free Debt Assistance

It only takes 15 seconds to find out if we can help you.

Quick, confidential and no obligation.

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Online Enquiry Form

Please answer all the questions below:

  1. Do you have a home loan?
  2. Do you have unsecured debts of $8,000 or greater?Credit cards, store cards and personal loans are types of unsecured debts. Mortgages and car loans are not.
  3. Do you receive a regular income?
  4. Have you been bankrupt in the last 13 years?
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Yes! We can help you

Fox Symes is the largest provider of debt solutions to individuals and businesses in Australia.
We help over 100,000 Australians each year resolve their debt and take financial control.
Fill out the short contact form for your free phone consultation.

Option 1: You call us

Free Call
24 hours, 7 days a week

1300 361 204

Option 2: We call you

Fill out the short contact form for your free phone consultation.

Unfortunately, we are unable to assist you.

For further assistance we recommend you:

  • Speak to your Creditors
  • Call AFSA on 1300 364 795
  • Speak with a Financial Counsellor
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Unfortunately, we are unable to assist you at this time.

Please contact us for assistance once you have secured a regular income.

We look forward to your call.

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Unfortunately, we are unable to assist you.

You need to have over $8,000 in unsecured debt to apply.
For further assistance we recommend you:

  • Speak to your Creditors
  • Call AFSA on 1300 364 795
  • Speak with a Financial Counsellor
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FREE Phone Consultation

Australian residents only.

  1. Credit cards, store cards and personal loans are types of unsecured debts. Mortgages and car loans are not.
  2. We can still assist you if you do not have a home loan
  3. No obligations.
    Just a better understanding.
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Take control
of your debt today

Call Now 1300 784 182

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No thanks, my debt situation is not urgent.

FREE Phone Consulation

Australian residents only

FREE Phone Consultation

Australian residents only.

  1. Credit cards, store cards and personal loans are types of unsecured debts. Mortgages and car loans are not.
  2. We can still assist you if you do not have a home loan
  3. No obligations.
    Just a better understanding.