Expat Foreign Owner Loans

Australian citizen living and working overseas

Planning to refinance or invest in a property in Australia while living or working abroad. Intellichoice can help you make your Aussie dream come true. Invest and build a home in your homeland through a foreign expat owner loan.

We support and believe in your ultimate Aussie dream to build a home in Australia. Even while living and working abroad, every Aussie can still invest and go back to a new home through a foreign expat owner home loan. Take the first step with Intellichoice today and let us help you make your dream come true.


Interested in getting a loan? Fast online quotes available here!

We're The Mortgage Broker for You

Expat Foreign Home Loans can help you secure a home in Australia while working overseas. If you are an Australian living and working overseas, you might be wondering if its possible to apply for a home loan. The answer is YES! You can still apply for an expat home loan to buy property or to refinance an existing loan.

This type of lending is often referred to as expat lending, and while some banks won’t offer mortgages to Australians living abroad, there are plenty of lenders that can offer the financing you need. Finding home loan financing for Aussie expats don’t have to be hard. With the right advice and guidance from our Experienced Mortgage Broker, you can find a loan that meets all your borrowing needs.

If you are an Australian citizen living and working overseas and you want to purchase, or refinance, property in Australia, we are the mortgage broker for you. It’s our pleasure to enable Aussies living offshore to compare loans and find the best home loan solution.  We have arranged home loans for Australian expats living all over the world.

Are you an international investor, looking for property in Australia?  We understand that it can be stressful buying a property when overseas and you may not have the time to fill out forms. That is why we help you start owning your own home faster and without the added stress and hassle of filling out extra paperwork!

Are you an Australian living overseas If you are an Australian citizen living overseas you are eligible to apply for an Australian mortgage while abroad. You can use an owner builder home loan to buy or refinance a property in Australia.

Many Australian citizens are continuing to take advantage of opportunities in the Australian property market whilst overseas. However, some do worry on how to successfully and stress-free acquire a home in their native land while working or living overseas. A mortgage specialist can cut the work, worries, and hesitations in half for you. 

The big drawcards for Aussie expats are the strong Australian economy and their familiarity with the market.

How much can you borrow?

Lenders may limit you to 80% of the property value if you cannot supply enough information to prove your foreign income.

Borrowers that can show they are in a strong and stable financial position can secure up to 90% to 95% of the property value

These guidelines apply to dual citizen Australians, Australian expats residing overseas who are married to a foreign citizen or those living in Australia or New Zealand with the intention to move overseas in the future.

An expert can help you simplify the process!

Lending guidelines can be difficult for you to get your head around. If you would like help with your home loan then please give us a call on 1300 55 10 45 or enquire online. A mortgage broker who is experienced in securing finance for non-residents can call or email you to discuss your finance options.

Do expats pay a higher interest rate?

Australian citizens living overseas should not have to pay higher interest rates for an Australian mortgage while overseas. But if you cannot provide enough proof of your foreign income then you may be charged a higher rate.

A handful of banks do not offer the same discounts as for people living in Australia, although we often are able to negotiate off your behalf for a discount off the Bank Standard Variable (BSV) rate.

Do you need a deposit?

Most expats need to provide a 5% deposit on their home loan and they should have enough finance to cover stamp duty and other expenses. Lenders generally require the deposit as genuine savings, or they may not accept it.

You may not need any genuine savings if you have a deposit larger than 5% or if you are already in the Australian property market.

How do you prove your income?

Lenders will accept English payslips or foreign tax returns as proof of your income. A few lenders have dedicated non-resident departments and accept documents in most common languages.

If you work in a country where payslips are not generally provided, you may still be able to get a loan if you have a statement of income from your employer. If this is the case, you may be limited to borrowing 80% of the value of your property.

All lenders are not equal!

Many Australian expatriates have trouble meeting the requirements for the following reasons:

· Some lenders require your original payslips, tax returns and other documents before approval.

· There may be lengthy delays if the lender has a system that cannot handle foreign addresses or foreign phone numbers.

· Many lenders will only approve loans for a maximum of 80% of the property value.

· Some lenders need you to present yourself at an Australian Consulate to sign a formal loan offer.

· A number of lenders do not recognize Power Of Attorneys (POAs).

We can help you with your Australian expat mortgage

Just like you, a significant number of our customers are Australian citizens or have dual citizenship and are living abroad. We will help you find a lender that is comfortable lending to expats and avoid a lot of the stress related to applying for this type of loan.

Choosing a mortgage broker to handle your expat loan can save you a lot of time and stress. Please call us on 1300 55 10 45 for calls outside of Australia) or contact us online and our specialist team will contact you to talk about your situation.

How do you apply for a mortgage?

We are experienced in helping people abroad secure mortgages and buy property in Australia.

If you are an Australian expat looking to buy a holiday home or invest in Australian real estate then we can help. Please call us on 1300 55 10 45.

From the USA, Europe, Middle East, UK, Ireland, China, Canada, New Zealand, Japan, and South East Asia, we take care of Aussie Expats everywhere. Let us take care of your expat home loan.

Speak to one of our property and home loan advisors on 1300 55 10 45 for more information.


Lenders may limit you to 80% of the property value if you cannot supply enough information to prove your foreign income. If you would like help with your home loan then please give us a call on 1300 55 10 45 or enquire online.


Lenders may limit you to 80% of the property value if you cannot supply enough information to prove your foreign income. Borrowers that can show they are in a strong and stable financial position can secure up to 90% to 95% of the property value…

Frequently asked questions

How much can I borrow with an Australian expat home loan?

The amount you can borrow with an expat home loan really depends. Factors such as fluctuating exchange rates, foreign tax rates, any foreign debts you have and the impact of negative gearing all influence how much a lender is willing to let you borrow, with a loan to valuation ratios (LVRs) ranging from around 60% to 80% available.

What other evidence and documentation are needed?

Just like with a regular home loan, you’ll need to provide proof of income to be approved for an expat home loan. Other supporting documentation required copies of your passport and visa showing that you are allowed to live and work overseas.

About Us

Here at Intellichoice, we do the legwork. Our highly qualified team will provide expert guidance and hassle-free competitive mortgage options. With our ever-growing, extensive list of lenders, we can find the right products under the right conditions. Our cutting-edge systems and highly qualified team will identify the finance that works for YOU. We’ll then provide you with options in a clear and simple manner. Enjoy spending your time finding the right property, car or equipment… and let US do the finance finding.