Who this suits
- Australian citizens working overseas
- You're buying a home to return to
- You're buying an investment property while away
- You need to refinance an Australian loan from overseas
How it works
- A video call at a time that suits youWe work across time zones.
- Check your incomeCurrency, employer, contract and tax position.
- Match the lenderFewer lenders accept foreign income, so the choice is narrower and matters more.
- Sign and settle remotelyWe guide you through signing documents from overseas.
An example of how we help
Example scenario, for illustration
An Australian in Singapore buying a home to come back to
- The situation
- An Australian citizen working in Singapore, paid in Singapore dollars, wants to buy in Sydney before moving home in a couple of years.
- How we'd approach it
- We'd check which lenders accept their currency and how much of that income they count, plan the deposit around a lower maximum loan-to-value ratio, and arrange signing and settlement remotely, across time zones.
- What it can mean
- They can buy from overseas knowing which lenders will consider their income, with the paperwork managed remotely.
An illustrative example, not a real client. Every situation is different, and lenders make their own decisions.
What a client said
A real Google review, shown with the client's initials. Their situation may differ from the example above.
Get in touch to talk about your situation.
Things worth knowing
Not every currency is accepted
Lenders accept a list of currencies and discount them for exchange-rate risk.
Expect a lower maximum loan-to-value ratio
Many lenders cap expat loans at a lower percentage of the property's value than for local borrowers.
Australian citizens don't need FIRB approval
Even while living overseas. Spouses who aren't citizens may have different rules when buying together.
Documents you'll usually need
- Passport
- Employment contract and payslips
- Overseas bank statements
- Overseas tax returns or tax statements
- Your Australian credit report
We'll confirm exactly what your lender needs, so you don't gather anything twice.
Questions
Can I get a home loan while living overseas?
Yes, with lenders that accept foreign income. Expect more documentation and a lower maximum loan-to-value ratio.
Do I need FIRB approval as an Australian citizen abroad?
No. Australian citizens don't need FIRB approval to buy residential property in Australia.
Can my partner who isn't an Australian citizen buy with me?
Often, yes, but check the FIRB rules for your situation before you sign a contract.
General information only. It doesn't consider your objectives, financial situation or needs. Lending criteria, fees and charges apply.
