What happens if you're refused?

Do you get a chance to appeal?
Does it harm you're chances the 2nd time if you've been refused before?
Do you lose your fee?

Do you get a chance to appeal?

Yes!

Does it harm you're chances the 2nd time if you've been refused before?

No, but just ensure that the reason(s) for refusal are dealt with if a new application is submitted.

Do you lose your fee?

Yes, the fee is an application fee, not a success fee. If you make a new application you would need to pay again.

Yes!

John, I beg to differ with you.  It isn't always that straight forward.  Family based visas usually have ground for appeal.  Non-family based visas may have an administrative review, but don't necessairly have ground for an appeal.

I know the OP is just asking at the moment and hasn't been refused, but...in the case of a refusal, I believe it says somewhere in the refusal whether or not you have a right to appeal.

Let's hope the OP's questions turn out to be rhetorical!

John, I beg to differ with you.  It isn't always that straight forward

Hi, before posting my reply I looked back at previous posts of the OP, and accordingly still think that "Yes" is the appropriate answer for the OP.

But I agree, it does depend upon what application is being made.