Australian Expat Home Loans

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Owner occupied deals From 5.99% p.a. Comparison Rate* 6.01% p.a.
* The comparison rate is based on a loan amount of $150,000, over a 25 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Australian Expat Home Loans: Your Path to Owning Property Back Home

Are you living abroad and eager to invest in your homeland? Don't let your overseas status deter you from accessing the thriving Australian property market. Our Australian Expat Home Loans are competitive, straightforward and stress-free - so you can purchase your Australian home sooner.

At Beyond Broking, we open the door to a world of possibilities for Australian citizens and permanent residents like you, offering a diverse range of $AUD mortgage solutions tailored for purchasing, investing and refinancing real estate in Australia.

Geographical location is no longer a hurdle with Beyond Broking. Our clientele spans the globe, from London to New York, Singapore, and Hong Kong, seeking our expert assistance in facilitating property acquisitions for Australians working abroad.

As an expat, you'll encounter some additional groundwork, particularly in terms of documentation. But rest assured, we are here every step of the way, ensuring the smoothest possible journey towards your homeownership dreams.

Unlock Your Equity

We assist in evaluating your available equity, which can be utilised to increase borrowing capacity and secure more competitive loan offers and terms.

Access To Over 50 Lenders

We give our clients greater choice, accessing more deals and therefore able to find the most competitive rates and terms.

Accounting Backgrounds

Our broad experience in the accounting and finance field allow us to help our clients identify home loan saving opportunities.

How We Can Help Australian Expats

Walk you through the buying process

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

Obtain pre-approval

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

Portfolio reviews and restructuring

Strategically organising your portfolio will put you in the best buying position 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 periodic reviews.

Australian Expat Home Loan Eligibility

Before embarking on your journey to secure an Australian Expat Home Loan, it's crucial to understand the eligibility criteria. Here's what you need to know:

  • Australian Citizens and Permanent Residents Only: To qualify for Australian Expat Home Loans, you must be an Australian citizen or a permanent resident.
  • Currency Restrictions Apply: Keep in mind that currency restrictions may apply, so it's essential to understand how your income is earned and in which currency it's received.
  • PAYG and Self-Employed Options: We offer flexible options for both PAYG (Pay As You Go) employees and self-employed individuals. Whether you have a stable salary or variable income, our tailored solutions cater to your specific financial situation.

Unlock the opportunity to own property in Australia as an expat with our expert guidance. Discover your eligibility with a complimentary assessment; it could take less than 5 minutes!

Australian Expat Home Loan Process 

Step 1: Eligibility Assessment with Beyond Broking

Begin your journey to securing an Australian Expat Home Loan with Beyond Broking. Our experts will guide you through a thorough eligibility assessment, ensuring you meet the necessary criteria, including Australian citizenship or permanent residency. We're with you every step of the way, making sure you're well-prepared for the process ahead.

Step 2: Tailored Mortgage Solutions by Beyond Broking

With eligibility confirmed, Beyond Broking offers a suite of tailored mortgage solutions designed specifically for Australian expats. Whether you're planning to purchase property, invest in real estate or refinance existing loans, our team will assist you in selecting the most suitable option. We understand that every expat's situation is unique, and we're here to provide expert guidance throughout the decision-making process.

Step 3: Seamless Application Process with Beyond Broking

Beyond Broking takes care of the entire application process on your behalf, ensuring a hassle-free experience. Our team will help you gather and organise the required documentation, simplifying what can often be a complex procedure. From start to finish, we're committed to being your trusted partner, providing invaluable support and ensuring your Australian Expat Home Loan application proceeds smoothly. With Beyond Broking, your dream of owning property in Australia as an expat becomes a reality.

No matter your reason for buying a second home, Beyond Broking's specialised guidance ensures that your unique aspirations are realised. Contact us today to explore the diverse opportunities that await you in the Australian Property Market.

Seize Your Aussie Property Dreams

Ready to make your dream of owning property in Australia as an expat a reality? Let Beyond Broking take the lead. We're here to simplify the process and make it effortless for you. Reach out to us now for a complimentary discussion or assessment. Your journey to Australian Expat Home Loans begins with a single click; let's get started today!

Choose from over 50 lenders

Whether you are searching for a lower interest rate or niche lending solution, we compare our extensive range of home loan lenders to provide you the best rates and options.
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What documentation is required?

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This can vary depending on your situation, but we need to validate your income and debts to determine your loaneligibility. 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 come cases certified by Australian Consulate office)
Evidence of available funds for purchase

How much can I borrow?

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There is no quick and easy answer for this as it's determined by your current income and debt position. Once you have provided us with sufficient supporting documentation, we can provide a reliable estimate and context over your borrowing capacity.

Are interest rates competitive for expats?

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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 property?

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

How is foreign income assessed by lenders?

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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?

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You are eligible for the first homeowners 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?

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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?

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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 a property jointly with your spouse for $1,000,000 with equals shares you could pay up to an additional 8% tax on your interest. In this scenario it would be an additional $40,000.

Get in touch with us today

Get an obligation free home loan and interest rate consultation with one of our brokers today.
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