Australian expat home loans

Just because you live overseas doesn’t mean you can’t invest in Australian real estate. Our access to a wide range of lenders means we can provide you with $AUD mortgage solutions for purchasing, investing and refinancing Australian real estate.

Overseas applicants need to be prepared for additional groundwork when going through the process. There might be more paperwork. But don't worry - we will be there every step of the way to ensure you get the best outcome. 

Are you living in a country that offers the financial benefit of having little or zero income tax? Make sure you let us know as it may increase your borrowing power.


  • Australian citizens and permanent residents only
  • Currency restrictions will apply
  • PAYG and self-employed options are available
Are interest rates competitive for expats?

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

Do I need approval from the Foreign Investment Review Board to purchase Australian property?

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

How is foreign income assessed by lenders?

We need to validate your income and debts to determine your loan eligibility. You should expect to provide at least the following:

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

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

Is the first home buyers grant and rate of duty available for expats?

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. Investment purchases will not qualify for first home buyer benefits.

How much do I need for a deposit?

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

What is foreign buyers tax?

If you are a non-resident/foreign buyer and you acquire residential property you may be required to pay foreign buyers tax on top of existing transfer duty. The amount varies from state to state but you can expect to have to pay up to 8% of your ownership share at purchase. For example, if you are a non-resident/foreign buyer and you acquire property jointly with your spouse for $1,000,000 with equal shares you could pay up to an additional 8% tax on your interest. In this scenario, it would be an additional $40,000.

If you're an Australian expat and you'd like some help to start investing in or property market, contact us today for a free personalised consultation.

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