Expat Home Loan

Q: What is Expat home loan?

Mortgage specifically designed for Australia citizens or permanent residents who are currently living and working overseas but want to buy property back in their home country.

Q: Do you accept self-employed customers?

Yes, we accept both PAYG employees and self-employed applicants, including those with foreign income.

Q: Is overseas income accepted?

Yes, each lender has a list of acceptable foreign income types. Please send us an email so we can check this for you.

A comprehensive loan solution designed for Australian citizens and permanent residents earning overseas income, as well as temporary residents earning Australian income — delivering stability, flexibility, and premium features.

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Variable rate p.a.

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Comparison rate p.a.*

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Variable rate p.a.

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Comparison rate p.a.*

Product Features

No overseas credit report required

Temporary residents & offshore income accepted

Eligible applicants from 30+ countries

100% Offset, No Loading

Income verified via 2 recent payslips for PAYG borrowers and most recent financials for self-employed borrowers

Unlimited cash-out (no evidence needed for amounts < $500K)

*Interest Rate and Loan Amounts based on LVR.

*The comparison rate is based on a secured loan of $150,000 and a term of 25 years.WARNING: This comparison rate is only true for the example given and may not include all fees and charges. Different loan amounts, terms, or fees may result in a different comparison rate.

*Disclaimer: The information provided herein represents a consolidated summary from all funders and is not intended to detail any single product offering. For specific product information, please consult our BDM or the Credit team.

What our Expat Home Loans offer

Borrower type

Au citizens/ PR with offshore income, TR with Income in AUD

Loan Size

$50,000 min
$15,000,000 max

Acceptable property

Apartments, Townhouses, House

Loan Term

Up to 30 years

Interest rate type

Variable

Max LVR

Up to 80%

Repayment frequency

Weekly, Fortnightly, Monthly

Repayment types

Principal & Interest
Interest only

What can the Expat Home Loan be used for

Purchase

Flexible solutions to help with your owner-occupied or investment property purchase.

Refinance

We can help you refinance an existing loan from another lender to obtain a better interest rate, access new loan features or restructure your current mortgage.

Equity release

You can release equity from your property to do renovations, purchase another property or for business purposes.

Frequently Asked Questions

What is Expat home loan?

Mortgage specifically designed for Australia citizens or permanent residents who are currently living and working overseas but want to buy property back in their home country.

Do you accept self-employed customers?

Yes, we accept both PAYG employees and self-employed applicants, including those with foreign income.

Can Expat Client buy property for owner-occupation?

Yes

Is overseas income accepted?

Yes, each lender has a list of acceptable foreign income types. Please send us an email so we can check this for you.

Expat Home Loan

Expat Home Loan

Variable rate p.a.

Comparison rate p.a.*

Variable rate p.a.

Comparison rate p.a.*

Product Features

No overseas credit report required

Temporary residents & offshore income accepted

Eligible applicants from 30+ countries

100% Offset, No Loading

Income verified via 2 recent payslips for PAYG borrowers and most recent financials for self-employed borrowers

Unlimited cash-out (no evidence needed for amounts < $500K)

What our Expat Home Loans offer

Borrower type

Loan Size

Acceptable property

Loan Term

Interest rate type

Max LVR

Repayment frequency

Repayment types

What can the Expat Home Loan be used for

Purchase

Refinance

Equity release

Frequently Asked Questions

Product

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