Expat Mortgages

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If you’re an Australian living in another country, and you want to purchase a new property in Australia or refinance your existing mortgage, we’re the last expat mortgage brokers you’ll ever need.

There are a handful of Australian banks which will accept certain currencies, and we have access to all of them. We will review your current situation and advise on the bank with the best expat home loan solution for you.

We’ve helped dozens of expat home loan clients just like you and we thoroughly understand the last thing you want to do is manage this process with a bank from the other side of the world – especially considering the time differences between Australia and your current country.

We promise to be available for you during the times which the banks are not. We will take this off your plate and ensure a smooth transaction.

Will I have to pay out more?

Will I have to pay out more?

Not at all, there are some banks which will charge a premium for expat home loan clients and there are some that do not. As long as you are a citizen of Australia we will find a cost effective solution for you.

What if my currency isn’t accepted?

What if my currency isn’t accepted?

Most currencies are accepted, however, if a major bank does not accept the currency which you are paid in we still may have a solution for you through smaller lenders or private lending options.

What will I need to be eligible?

What will I need to be eligible?

You must be an Australian citizen and be employed by a company as an employee in your host country. If you are an expat home loan client who is operating your own business overseas it does because a little more difficult however we do have 1 lender on our panel who will accept your overseas tax returns as a form of income evidence.

What about exchange rates?

What about exchange rates?

Exchange rates will determine the amount of income which we are able to use for expat home loan clients. For example, you may be earning USD$10,000 per month from your employer, the way we would calculate your income when applying for a home loan would be USD$10,000 x exchange rate = AUD$ equivalent. Therefore, if the USD is high then you borrowing capacity will be higher, if it is low then it will be lower. Speak to one of our expat brokers who can discuss this in more detail with you.

Does my marriage status affect this?

Does my marriage status affect this?

Not at all, your marital status will only affect the level of household expenses which a bank will take into consideration. If your spouse is also earning income we will be able to take this into consideration. The below are 2 typical scenarios: 1) One spouse living in Australia and working whilst the other is working overseas - as long as the spouse living in Australia is an Australian resident or citizen we can also include their income. 2) Both spouses living abroad - as long as both are Australian citizens and are both employed, we will be able to use both incomes.

We work for you, not for the banks

We work for you, not for the banks

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