Non-Resident Home Loan – xin financial

Q: What is Non-resident home loan

mortgage designed for individuals who want to purchase property in Australia where they do not live or hold citizenship/permanent residency of Australia.

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, there are acceptable country per lender as listed

Q: What documents are required?

Aside from the usual identification and income documents, personal credit report or home country report is most often required by the lenders

Q: Can non-residents apply jointly with Australian residents?

Yes, non-residents can absolutely apply for a home loan jointly with an Australian resident. In fact, this is one of the most effective ways to secure a mortgage in Australia, as it often unlocks better interest rates and higher borrowing limits.

Non-Resident Home Loans

Non-resident Home Loans

Tailored for overseas borrowers, our Non-Resident Loan allows you to purchase, refinance, or access equity in Australian residential property — even if you earn income offshore. This customised home loan solution is designed for overseas buyers looking to invest in Australian property, offering flexible terms and global eligibility.

0 %

P&I - Variable rate p.a.*

0 %

Comparison rate p.a.*

A risk fee may apply. Please consult with us for details regarding the risk fee

Product Features

100% Offset available

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 Non-Resi Home Loans offer

Borrower type

Salaried Employees, Self-employed, including non-resi of Australia

Acceptable property

Apartments, Townhouses, House

Loan Size

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

Loan Term

Up to 30 years

Interest rate type

Variable

Max LVR

Up to 80%

Repayment frequency

Monthly repayments by direct debit

Repayment types

Principal & Interest
Interest only

What can the Non-Resi 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 Non-resident home loan