Australians overseas
Home loans for Australians living and working overseas
Buying or refinancing in Australia from overseas is possible with the right lender. We handle the process remotely, across time zones, and explain how your foreign income will be assessed.
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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.
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.
Calculators for this
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.
Ready when you are.
Book a 20-minute call. We'll listen first, explain your options in plain English, and tell you what we'd do next.