Australian Expat Home Loans


Just because you live overseas doesn’t mean you can’t access the Australia property market. Our access to a wide range of lenders means that we can provide solutions for citizens or permanent residents by way or purchase or refinancing Australian property.

Being that you are overseas you will need to be prepared for some additional ground work when going through the process especially when it comes to documentation, but you can take comfort in knowing that we will be there every step of the way ensure the best possible outcome and an efficient process.

  • Australia Citizens and Permanent residents only
  • Currency restrictions do apply
  • PAYG and Self-Employed options available

Walk you through the process

We want you to be informed and setting the right expectations upfront can make all the difference in your buying experience.

Obtain Preapproval

Gain comfort in knowing what you can borrow before you by and help speed up the settlement process.

Portfolio reviews and restructuring

Strategically organising your portfolio to be the be the best fit for your situation.

Periodic Reviews

It is important that our clients remained well priced in the market all the times, so we make it our responsibility to do period reviews.

Our Process


We work flexibly to arrange an introductory phone call so we can get an understanding of your goals and financial situation in order to provide you with accurate advice.



We need to verify what you have disclosed in our initial conversations against documented evidence. Australian lenders have strict guidelines on documentation that we will walk you through.

To aid in our verification of identity process we will arrange a Skype/Facetime interview. Please note that some lenders require certified identification from an Australian Consulate office.



Based on your requirements and supporting documentation we will provide you with suitable options and will provide you context and opinions over what’s available.



We take care of the application process including creation, submission and monitoring to approval and settlement to ensure the process is simple and efficient.



We support you in the settlement process by assisting with document signing, liaising with conveyancer’s/solicitor’s to support settlement and checking everything is in order after settlement.

We know you have lots of questions. So, we’ve provided answers to the most common ones here.

This can very depending on your situation but we need to validate you income and debts to determine your loan eligibility. You should expect to provide at least following:

  • Payslips and transaction account statements to verify income
  • Bank statements for all debts
  • Verification of Visa or work permit
  • Identification – Drivers licence and passport (in come cases certified by Australian Consulate office)
  • Evidence of available funds for purchase

Unfortunately, there is no quick and easy answer for this. This will be determined by your current income and debt position. Once we have been provided with sufficient supporting documentation, we can provide with context over your borrowing capacity.

While some lenders charge a higher interest rate for expat lending we are fortunate enough to have access to very competitive rates closely aligned to those with domestic lending.

No, this is not a requirement unless you are a non-resident.

Your income is converted to Australian dollars and then shaded by at least 10% depending on the type of currency you earn.

You are eligible for the first home owners grant and rate of duty, however you must comply with the qualification criteria set out by each state revenue office.

In most cases you will need at least 20% for the bank plus purchase costs (stamp duty, conveyancing, etc). In some instances a lower deposit may be available but we can test this for you and provide estimates.

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