Question 1

Can Australian expats get home loans?

Accepted Answer

Yes, many lenders offer home loans to Australian citizens living overseas. Requirements vary by country of residence, income currency, and property type. We specialise in navigating these complexities.

Question 2

What LVR can expats access?

Accepted Answer

Typically 70-80% LVR depending on the lender and country of residence. Some specialist lenders offer up to 80% for expats in tier-1 countries like the US, UK, and Singapore.

Question 3

Do I need an Australian income?

Accepted Answer

No, foreign income is accepted by many lenders. However, some apply income shading (typically 70-80% of foreign income) to account for exchange rate risk.

Question 4

Can I buy property in Australia while living overseas?

Accepted Answer

Yes, Australian citizens can purchase property regardless of where they live. If you're buying as a temporary resident or foreign person, FIRB approval may be required.

Question 5

What documents do I need as an expat?

Accepted Answer

Typically: Australian passport, foreign employment contracts, overseas payslips/tax returns, overseas bank statements, and proof of overseas address. We guide you through the specific requirements.

Australian Expat Home Loans

Expat Lending Solutions

Overseas Income Accepted

Non-Resident Friendly

Foreign Currency Solutions

Investment & Owner-Occupied

Remote Application Process

Tax Compliance Support

Frequently Asked Questions

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