Non-Resident Mortgages
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Each year, thousands of foreign nationals, Australian expats, and temporary residents choose to purchase a home or investment property in Australia.
This section is here to guide you through the home buying process and explain how we can assist you in applying for a non-resident mortgage in Australia.
What you need to know!
Can you get a home loan or investment loan?
There are different home loan types available for different types of borrowers, whether you are a citizen of New Zealand, a foreign citizen working in Australia or a foreign citizen living overseas.
How much can I borrow?
Most people buying real estate in Australia are able to borrow 80% of the property value.
In some cases it is possible to borrow up to a maximum of 95%. However, this depends on where you are living, if you are an Australian citizen or not, as well as the terms of your current visa.
Purchasing Property in Australia as a Non-Resident
Discover mortgage options designed for non-residents. We're here to help you secure approval.
What are the features of non-resident mortgages?
The great news is that some Australian banks now offer the same home loan features and interest rates for non-residents as they do for normal borrowers.
Although the features vary depending on the lender, our mortgage brokers can usually find you a suitable loan that has flexible policies for non-resident borrowers and meets your requirements.
Foreign income mortgage calculator
Discover if the bank will accept your foreign income
Disclaimer: This calculator has several assumptions and simplifications and so should be used as a guide only. Please seek independent financial advice and consider your own circumstances before making any decisions related to home loans.
How do the banks view foreign investors?
It is critical that you apply with the right bank! Our mortgage brokers specialise in lending to new migrants, Australians living overseas and foreign investors.
We can assess your application and submit it with a lender that will approve it the first time round.
Which lender should I choose?
With a booming economy and affordable locations, many foreign investors are buying properties in Australia.
If you’re looking to buy a house in Australia from overseas, you may wish to speak to our mortgage brokers.
We can advise you of your prospects of obtaining finance and help you apply with the right lender.
When you finally buy your investment property, you may wish to enlist the services of a real estate agent who will help you find suitable tenants for your house.
Invest in Australian property!
With a booming economy and affordable locations, many foreign investors are buying properties in Australia.
If you’re looking to buy a house in Australia from overseas, you may wish to speak to our mortgage brokers.
We can advise you of your prospects of obtaining finance and help you apply with the right lender.
When you finally buy your investment property, you may wish to enlist the services of a real estate agent who will help you find suitable tenants for your house.
Why use us?
If you are living overseas or if you have already migrated to Australia, we can help! The process of applying for a loan and buying real estate in another country can be quite confusing.
Our experienced mortgage brokers can help to guide you through the process and can quickly work out which banks can offer you the best interest rate, terms, and conditions.
Related Topics
Eligibility Assessment
Learn whether you qualify for a non-resident mortgage based on your visa type, residency status, and financial profile.
Deposit Requirements
Discover the minimum deposit needed, as non-resident buyers often face higher deposit thresholds compared to Australian citizens.
Loan Options for Non-Residents
Explore tailored mortgage solutions for foreign investors, temporary residents, and Australian expats returning home.
Navigating FIRB Rules
Understand the Foreign Investment Review Board (FIRB) requirements and approvals necessary for purchasing property in Australia.
Overcoming Exchange Rate Challenges
Learn how to manage currency exchange rates and their impact on your loan repayments and purchasing power.
Understanding Interest Rates and Fees
Compare interest rates, fees, and lender policies specific to non-resident mortgages to make an informed choice.
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