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KEY FEATURES

Invest in Australia from Abroad

  • 1. Flexible Loan Options

    Access up to 90% of your property’s value, with tailored solutions for employed and self-employed expats.

  • 2. Competitive Interest Rates

    Benefit from attractive rates negotiated specifically for Australian expats living overseas.

  • 3. Wide Currency Acceptance

    Get approved using income from various global currencies, including USD, GBP, EUR, and more.

  • 4. Proven Lending Guidance

    Our specialists simplify the process, helping you navigate complex lending policies with ease.

Check Your Borrowing Power

Discover how much you can borrow as an Australian expat. Use our calculator to get a real-time estimate and take the guesswork out of your loan approval journey.

Check Your Borrowing Power
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AUSTRALIAN EXPATS LOANS

Will Your Loan Be Approved?

Lenders apply Australian tax rates and have specific criteria for expats. Understanding your eligibility can help streamline the approval process.

1. Australian Tax Rates Apply

Lenders assess your income using Australian tax rates, even if you live in a lower-tax country.

2. Country & Currency Criteria

Each lender has an approved list of countries and accepted currencies that influence your eligibility.

3. Proven Guidance Matters

Expat lending can be complex—speak with our advisors to navigate the process confidently.

CURRENCIES ACCEPTED FROM AUSTRALIAN EXPATS

For the following currencies, there is a good chance that we will be able to get you approved for a loan.

United States Dollar (USD)

Canadian Dollar (CAD)

Euro (EUR)

Singapore Dollar (SGD)

Great Britain Pounds Sterling (GBP)

United Arab Emirates Dirham (AED)

Hong Kong Dollar (HKD)

Japanese Yen (JPY)

Swiss Franc (CHF)

New Zealand Dollar (NZD)

Chinese Renminbi (CNY)*

Note: *Conditions apply
Why Choose US

Proven Expat Loan Solutions

At Everrich Finance, we specialise in helping Australian citizens and dual citizens living overseas secure property in Australia. Our tailored solutions guide you through the loan process, matching you with the right lender—at no cost to you. Let our experienced advisors handle the complexities so you can focus on your investment goals.

Book a free assessment

Tailored Solutions

We customise loan options to suit your unique financial situation and investment goals.

Proven Success

We’ve helped countless overseas Australians invest confidently in the property market.

Global Acumen

Our advisors understand the challenges expats face and offer professional guidance every step of the way.

Free Service

Enjoy assistance from licenced professionals without any extra fees—our services are completely free.

We compare loans from a wide range of lenders

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CORE ESSENTIALS

Aussie Expat Home Loans For Investment Properties Explained

Can expats get a mortgage in Australia?

In most cases you can apply for a mortgage in Australia if you are an Australian expat.

How much can I borrow?

  • Borrow up to 90% of the property value if you’re an Australian citizen living overseas.
  • Borrow up to 80% of the property value if you’re a self-employed borrower living overseas (stricter lending criteria applies).
  • Depending on the country you live in, the currency you're earning and your visa status your borrowing power can vary.

Will I get approved?

  • When lenders assess your borrowing power they will adopt Australian Tax Rates. The tax rate maybe lower in the country you live in but the lender will still apply the more conservative approach.
  • Each lender has its own list of acceptable countries and currencies.
  • Expat lending policies are complicated, hence it’s recommended that you contact us to discuss your situation in detail.
Please contact us on (03) 9034 5223 or enquire online and our team can assist.

What rates are available?

Competitive interest rates are available. Contact us to find out more.
Please contact us on (03) 9034 5223 or enquire online and our team can assist.
Lenders available: Select bank and non-bank lenders are available. Contact us now to find out more.
Discover if you qualify: We can help you buy a property anywhere in Australia. Please contact us on (03) 9034 5223 or enquire online and our team can assist.

What currencies are accepted?

The most common currencies we deal with include:
  • United States Dollar (USD)
  • Great Britain Pounds Sterling (GBP)
  • Euro (EUR)
  • Singapore Dollar (SGD)
  • Canadian Dollar (CAD)
  • United Arab Emirates Dirham (AED)
  • Hong Kong Dollar (HKD)
  • Japanese Yen (JPY)
  • Swiss Franc (CHF)
  • New Zealand Dollar (NZD)
  • Chinese Renminbi (CNY) – Conditions apply
For the above currencies, there is a good chance that we will be able to get you approved for a loan.

What if I earn income outside of this list?

You can still qualify for a mortgage but stricter conditions will apply. Other currencies we assist with include:
  • Bahrain Dinar (BHD)
  • Bruneian Dollar (BND)
  • Danish Krone (DKK)
  • Fijian Dollar (FJD)
  • Indian Rupee (INR)
  • Indonesian Rupiah (IDR)
  • Kuwaiti Dinar (KWD)
  • Macau Pataca (MOP)
  • Malaysian Ringgit (MYR)
  • Norwegian Krone (NOK)
If your currency is not listed please contact us on (03) 9034 5223 or enquire online and our team can assist.
Investment policy changes on a regular basis, including which currencies lenders will accept if expats and foreign investors want to buy property in Australia.
Please contact us on (03) 9034 5223 or enquire online and our team can assist.

Will I pay a higher interest rate?

Our team of advisors know which lenders are preferred for expat clients and can negotiate interest rates on your behalf.

Will I need a deposit?

Australian expats buying a property in Australia will generally need a minimum of 10% deposit plus property purchasing costs(stamp duty, legal fees, mortgage set up costs and Lenders Mortgage Insurance).
This deposit must usually be in the form of genuine savings whereby the bank can see consistent saving pattern over 3 months.
If you have a larger deposit or if you already own real estate in Australia, then you can use the equity in the property you already own as a deposit.
If your parents own property in Australia, there are options to get a loan using their property as security. Which means you can purchase even without a deposit.

How can I prove my income?

If your payslips or foreign tax returns are in English then these can be provided as evidence of your income.
Most lenders will require three months of bank statements to show your salary being deposited into your account. Some lenders are stricter and can ask for 6 months statement.
Some of our lenders have specialised non-resident departments with staff that understand most common languages, so if your documents require translation or is not in English it is ok.
As part of their verification process the lender will ask to confirm residency status and make sure that you are legally allowed to work in the country.
Can I get a loan as an ex-pat if I’m self-employed?
If you’re self employed only a few lenders can accept your income.
You will need to meet certain criteria’s like
  • Availability of an accountant
  • Country you live in
  • Your income currency
Some of our lenders can still lend up to 70-80% of the property value if you can provide all of the following:
  • 2 years personal and business tax returns.
  • 6 months business bank statements.
  • An accountants letter verifying your income.
The problem with tax rates
Most lenders will use Australian tax rates when assessing your income instead of the tax rate of the country that you live in.
Australian tax rates are one of the highest in the world and this can reduce your borrowing power. Fortunately, we have some lenders on our panel that use the tax rate of the country that you reside in and adopt income net of tax. This can significantly improve your borrowing power.
If you reside in below countries, you may qualify:
  • United States Dollar (USD)
  • Great Britain Pounds Sterling (GBP)
  • Euro (EUR)
  • Singapore Dollar (SGD) – Conditions apply
  • Canadian Dollar (CAD)
  • Hong Kong Dollar (HKD) – Conditions apply
  • Japanese Yen (JPY)
  • Swiss Franc (CHF)
  • New Zealand Dollar (NZD)
  • United Arab Emirates Dirham (AED) – Conditions apply
  • Macanese Patacas (MOP)
Can I use income from my employment if I am paid in multiple currencies?
Large international corporates have multiple offices around the world and senior professionals commonly work in different locations. We often see employers paying from different countries around the world depending on the work carried out for specific jobs.
We will assess your income based on individual requirements. Please contact us on (03) 9034 5223 or enquire online and our team can assist.
Your borrowing power
When assessing your eligibility, the banks will consider exchange rate fluctuations, foreign tax rates, negative gearing benefits and repayments on foreign debts. Each lender has different criteria and borrowing power can vary between lenders.
What exchange rate do lenders use?
Most lenders have their retail exchange rate calculators and will commonly use this for assessment purposes. The retail exchange rate is generally less when converting your foreign currency into Australia dollars.
If your foreign currency is not on the preferred or secondary list, the lender may actually not accept the income or apply a reduced rate from XE Live Exchange Rates.

Getting a home loan with a foreign citizen

If you’re married to or in a de facto relationship with a foreign citizen this can affect the way that some banks assess your application. Steps to consider:
There are three ways that they could assess your application:
  • Assess you both as Australian citizens.
  • Assess you both as foreign investors.
  • Use the nationality of the highest income earner to determine how to assess your loan
If you are assessed as a foreign investor then the bank will reduce the income used to service the loan which will mean that you will need to increase your deposits.
Some lenders will also charge you a higher interest rate.
We can help you choose the lender that give you the most favorable outcome. Please contact us on (03) 9034 5223 or enquire online and our team can assist.

What happens if my partner has foreign income?

Most lenders will ignore the income of your partner if they are not an Australian citizen or Australian permanent resident (PR) holder.
However, our team of financial advisors have been able to work with our panel of lenders and got our clients a positive outcome.
Examples of where we have successfully used foreign income from spouse
  • They have a valid visa for Australia.
  • They’re living in Australia.
  • They have ties to Australia such as family or close relatives.
  • You have children together.
  • You are married or have been defacto for over two years.
Please contact us on (03) 9034 5223 or enquire online and our team can assist.

One on title, two on loan

When you purchase a property with a Non-Australian Citizen, there maybe foreign citizen stamp duty applicable on the purchase.
We can avoid this by having 2 loan applicants and only the permanent resident or citizen on title. Before making any structuring decision we suggest you speak to your financial advisor and legal advisor.
Most lenders consider this as high risk. Please contact us on (03) 9034 5223 or enquire online and our team can assist.

Choose your lender carefully

Most Australian Expatriates have trouble meeting the requirement to satisfy the banks criteria. Ex Pat loans are complex and you need to know
  • What documents the bank need for assessment prior to loan approval?
  • What banks are capable of understanding your loan application and process your application in time?
  • What lenders maximum loan to value ratio is so you know how much deposit you need?
  • Some lenders may require you to sign original loan documents via Australian Consulate and have loan documents notarised.
  • What lenders will give you as interest rates based on your circumstances.
Please contact us on (03) 9034 5223 or enquire online and our team can assist.
Australian Expat Home Loan FAQs

Aussie Expat Home Loans For Investment Properties: Your Questions Answered

  • 1. Do I need a Power of Attorney (POA)?

    Having a power of attorney that can sign on your behalf is extremely handy.
    Some lenders have specific requirement for power of attorney and may ask that to be hald with a solicitor. Whilst other lenders wont accept power of attorneys.
    Our team can check this for you. Please contact us on (03) 9034 5223 or enquire online and our team can assist.

  • 2. When do I need to visit the Australian embassy?

    If the lender won’t accept power of attorney signing on your behalf, you will have to visit the Australian embassy to witness the signing of the mortgage title.
    If you’re purchasing a property as joint tenants, only one of you needs to go to the embassy as long as you can provide your partner’s passport.
    The embassy is certifying that the document is true, not that it’s reflective of the person asking for the certification.

  • 3. Will the Australian embassy charge me?

    Yes the Australian embassy will charge a service fee for certifying or witnessing these documents. The fees will vary depending on the country you’re living in so it’s best to check the specific fee schedule for your country of residence.

  • 4. Is Australian government approval required?

    No, Foreign Investment Review Board (FIRB) approval is not required. If you are buying with a spouse that is a non resident you may want to seek legal advice regarding this before proceeding.

  • 5. Will I have to pay the foreigner stamp duty surcharge?

    Stamp duty and land tax applies only to non resident purchasers. Please speak to your solicitor regarding non resident purchasers. If they are non resident please discuss the structure that best meets your needs.

  • 6. When is the right time to invest in Australian real estate?

    You cannot time the market. Before you consider investing in Australian properties you should consider all the risk and benefits. You can engage a property advisor to assist with your investment decision. Some consideration in future growth may include
    - Economic growth, employment, population growth
    - Proximity to schools, shops and public transport
    - Proximity to capital city
    - Property type

  • 7. Why choose Everrich Finance to assist you with you expat loan?

    Our expert advisor specialize in helping people overseas buy property in Australia.
    Here are a few reasons why you should use our services:
    - We have helped many customers who are Australian citizens or dual citizens residing overseas who want to invest in the Australian property market.
    - We will tailor a solution and choose a lender that is suitable for you. That way, you can avoid the pains of having to navigate through the loan application process yourself.
    - Our services are free.
    Please contact us on (03) 9034 5223 or enquire online and our team can assist.

Testimonials

Love from Clients

I had an amazing experience with these wonderful people. The entire process was seamless and they are very attentive and kept me in the loop. Everything was so quick that…

Cleo Kay
First Home Buyer

James Kang of Everrich Finance is an absolute professional who provides an excellent customer service for you. Being a first home buyer, he helped me through the whole process and was ready…

Abdul Mubeen
First Home Buyer

Murray was patient for a long journey of house hunting. He was very responsive and provided great advice in each part of the house purchase process.

Amgad Hanna
First Home Owner

Murray was recommended by a friend and I’m so happy he was! He listened to exactly what my needs were when looking to purchase my first home and he certainly…

Natalia Jankovic
First Home Buyer

I have been dealing with Murray on my home loan on a property that I purchased. Being the first home buyer and getting a home loan you all know isn't…

Hemal Sethia
First Home Owner

Purchasing my first property would not have been possible without the help of Murray at Everrich Finance. He was extremely thorough in every step of the application process and always…

Minh Vuong
First Home Buyer

Find Out Your Eligibility Today

Unsure if you qualify? Let us assess your situation and explore the home loan options available to you as an Australian expat for your property.

Book a free assessment