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Home Loans for Expats

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Buy property in Australia while living or working overseas — with expert lending support.

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Australian expats face unique lending rules — from foreign income assessment and currency conversion to residency status and LVR limits. We specialise in structuring loans for Australians abroad so you can purchase, refinance, or invest with confidence.

• Access to 40+ banks and non-bank lenders
• Policy expertise on foreign income, allowances and bonuses
• LMI waiver pathways up to 90% LVR (where eligible)
• End-to-end support across time zones (email, video, e-sign)
• Clear refinance strategy if returning to Australia in future

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Who We Help

• Australians living and working overseas
• Expats purchasing property in Australia
• Returning Australians buying before they move back
• Investors growing a property portfolio from abroad

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How Expat Home Loans Work

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Income and Currency Assessment
Lenders may convert your salary at a reduced rate (“shading”). We match you to lenders with favourable currency treatment and flexible policy for allowances, bonuses, and contract income.

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Deposit and LVR
Typical borrowing ranges from 70% to 90% LVR, depending on your country of residence, currency, and income stability. Some professionals may be eligible for no-LMI up to 90% LVR.

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Ownership and Loan Structure
We help determine whether to purchase in personal names, jointly, in a company or trust (with accountant advice). We compare features like offset, redraw, and fixed or variable options.

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What You’ll Need (Typical Documents)

• Passport and Australian identification
• Proof of income (recent payslips or employment contract)
• Overseas bank statements showing salary credits
• Latest tax return or local tax equivalent
• Visa or residency status (if applicable)
• Assets and liabilities summary

We’ll provide a clear, simplified checklist based on your lender selection.

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Our Process

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Step 1 — Strategy & Numbers
We confirm your goals and borrowing capacity.
Recommended tools: Borrowing Power Calculator, Mortgage Repayment Calculator.

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Step 2 — Lender Shortlist
We compare 40+ lenders for policy fit, LMI treatment, currency handling, and features.

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Step 3 — Application & Verification
We package your file professionally and manage all lender communication.

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Step 4 — Approval, Settlement & Ongoing Support
We coordinate valuation, approval and settlement — then we review your loan annually.

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Popular Scenarios

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Buy Before Returning
Secure a property now and move into it when you return to Australia.

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Invest From Overseas
Use equity or overseas savings to build long-term wealth through property.

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Family Home Purchases
Buy property for your family to live in while you are working overseas.

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Fees, Rates & Features to Consider

• True comparison rate vs headline rate
• Offset account benefits for cash held in AUD
• International transfer costs and FX considerations
• Fixed, variable, or split-rate strategy
• Future refinance plan if returning to Australia

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Frequently Asked Questions

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Can I get a loan using overseas income?
Yes — we work with lenders who accept foreign currency income.

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Do I need to be in Australia to sign documents?
No — we use remote identity verification and digital signing where allowed.

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Are interest rates higher for expats?
Not always. We compare multiple lenders to secure competitive options.

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Can I borrow up to 90% LVR?
Yes — depending on your profession, income stability, and lender policy.

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Ready to Get Started?

We’ll map your numbers, shortlist suitable lenders, and manage the entire process — so you can buy property in Australia with clarity and confidence.

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Book Your Consultation
Start My Application

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Helpful Tools

• Borrowing Power Calculator
• Mortgage Repayment Calculator
• Stamp Duty Calculator

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