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Fox Mortgage Services

Updated 2026-08-30 · 4,552 reviewed · 434 listed · Scored from 267 Google reviews · How we rank ›

5.0(267) 94 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansSelf-Employed & Low-Doc LoansInvestment Property FinanceRefinancingCar & Personal LoansMortgage BrokerConstruction & Building LoansCommercial & Business Finance
Fox Mortgage Services
Location
Joondalup
Services
First Home Buyer Loans, Self-Employed & Low-Doc Loans, Investment Property Finance
Reviews
267
Ranking
#33 in First Home Buyer Loans
Best for
First-time buyers with complicated situations, professionals with unusual income, buyers relocating interstate.

Core details are sourced from this business's Google Business Profile (checked 2026-08-30). Website-sourced details were fetched 2026-07-30.

What do recent reviews say?

Paul and his team turn first-time buyers' anxiety into confidence through patient guidance and real results, often solving applications banks elsewhere rejected. Reviewers across multiple property deals highlight their speed, follow-through on complex cases, and willingness to spend time answering questions without pushing a standard solution.

The core strength is practical: they explain mortgages plainly, connect clients with settlement agents, suggest money-saving grants, and navigate tight deadlines. Repeat customers trust them with refinance and investment deals. No complaints surface across 267 reviews, only consistent praise for professionalism and genuine care.

Praised for
  • patient, thorough explanations
  • goes above and beyond for difficult situations
  • fast, responsive communication
  • knowledgeable about Perth market and lending options
responsive-communicationwent-above-and-beyondknowledgeable-brokerpatient-with-questionsexplained-clearlyfast-approvalhandled-complex-situationreliable-followupsmooth-settlement
Best for: First-time buyers with complicated situations, professionals with unusual income, buyers relocating interstate.

What are they good at?

  • Solves complex applications other brokers decline
  • Explains options plainly; no jargon or high pressure
  • Tight timelines met consistently; weekend/after-hours access claimed
  • Connects clients with trusted settlement agents and financial advisors

Worth knowing

  • Paul Fox and Nikki named repeatedly as core contacts
  • Dale cited for answering technical questions
  • Kyra noted for multi-bank negotiation
  • Referred settlement agent Kylie Kershaw from Title Settlement Services
  • Handled two-title mortgage, student couple on single income, interstate relocation, Christmas settlement deadline
  • Available for ongoing advice beyond initial deal

What reviews say by service

First Home Buyer Loans
Consistently praised for calming anxiety, patiently answering all questions, and securing approval where other brokers had declined.
Refinancing
Described as effortless and stress-free; clients return for repeat refinances.
Investment Property Finance
Reviewers mention successful investment deals over 5+ year relationships.
Mortgage Broker
Core service; praised for knowledge, responsiveness, and tailored advice beyond standard brokerage.

How it compares

  • Rated 5 against a 4.92 average across the 365 first home buyer loans businesses listed here.
  • Has more Google reviews than 97% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 100
Review volume 100
Review recency 100
Review sentiment 80
Profile completeness 100
Verification 30

Rating breakdown

5
266
4
1
3
0
2
0
1
0

FAQ

Are Paul and Nikki always available, or will I talk to someone else?
Paul and Nikki are the named contacts reviewers credit most. Kyra and Dale are also mentioned as team members handling complex cases. The business publishes 7-day opening hours.
What if I've been rejected by another broker?
Multiple reviewers report Paul and his team secured mortgages after other brokers declined, including a student couple with a single income and non-standard work circumstances.
Do they help with anything beyond the mortgage?
Yes. Reviewers mention they recommend settlement agents, explain money-saving grants and schemes, and offer broader financial strategy advice on how to structure finances for long-term goals.

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Self-Employed & Low-Doc LoansFirst Home Buyer LoansInvestment Property Finance
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Mortgage Express - Michelle Mule

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Michelle Mule earns consistent five-star praise for turning the home-buying and refinancing process from stressful into straightforward. She takes time understanding clients' long-term goals, explains options clearly, and stays reachable outside hours to keep deals on track. First-home buyers particularly commend her persistence navigating pre-approval hurdles and family commitments. Clients describe her as knowledgeable, patient, and genuinely invested in their success, with several mentioning she made all the difference between feeling lost and feeling supported.

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Mortgage-Express Holly Mackie
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Mortgage-Express Holly Mackie

No rating yet

Review evidence is limited. The business lists a wide range of services including home loans, refinancing, investment finance, and car buying on their website. They claim over two decades of experience and operate as a Corporate Credit Representative under Astute Financial Management (Australian Credit License 364253).

First Home Buyer LoansMortgage BrokerRefinancing

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Last updated 2026-08-30