Get Pre-Approval on Foreign Income with Our Expat Lending Specialists.
Tired of dealing with just the 'Big Four'? We use our full panel of 60+ lenders to find one that accepts your specific foreign income.
Tailored Finance for Global Buyers
Securing an Australian mortgage when your income is in a foreign currency presents unique challenges.
We simplify this process for:
We simplify this process for:
- Australian Citizens/Permanent Residents (Expats) Living and working overseas, looking to purchase or refinance an Australian investment property or a future family home.
- Foreign Income Earners earning in major foreign currencies (e.g., USD, GBP, SGD, EUR, HKD) who require their income to be assessed by Australian lenders.
Key Considerations for Your Offshore Loan
Lenders apply different, often stricter, criteria when assessing loans to borrowers residing overseas. Our expertise is essential for navigating these specific requirements to maximise your borrowing power and secure a competitive rate.
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Loan-to-Value Ratio (LVR)
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Expats and non-residents typically require a larger deposit than resident borrowers. LVRs are commonly capped between 60% to 80% depending on the borrower's status and country of income.
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Foreign Income Assessment
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Lenders will "shade" or discount your overseas income (often by 20% or more) to account for currency fluctuations and international tax differences. We identify lenders who offer the most favourable assessment.
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Security & Loan Purpose
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Loans are predominantly for Investment Property purchases (residential or commercial). We can also assist with refinancing existing Australian mortgages.
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Lender Appetite
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The number of Australian lenders who offer expat and non-resident loans is small and their policies are constantly changing. We match you with lenders who are actively funding borrowers in your specific location and income currency.
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We Simplify your Offshore Finance
Our service is designed to remove the distance and complexity from your application
Comprehensive Lender Panel
We access specialist lenders and non-bank institutions who actively cater to the expat and non-resident market, often providing greater flexibility than the major banks.
Documentation Management
We clearly outline the extensive documentation required (certified passports, foreign payslips, employment contracts, tax returns) and assist with the certification and translation process.
End-to-End Coordination
We manage the entire process, liaising with your solicitor, property agent, and the lender to ensure a smooth path from pre-approval to settlement, regardless of your current time zone.
We access specialist lenders and non-bank institutions who actively cater to the expat and non-resident market, often providing greater flexibility than the major banks.
Documentation Management
We clearly outline the extensive documentation required (certified passports, foreign payslips, employment contracts, tax returns) and assist with the certification and translation process.
End-to-End Coordination
We manage the entire process, liaising with your solicitor, property agent, and the lender to ensure a smooth path from pre-approval to settlement, regardless of your current time zone.
