Indian-Australian and South Asian families
Home loans for Indian-Australian and South Asian families
Many of our clients moved to Australia for work, are buying with family, or have money and property back home. We understand these situations and know which lenders handle them well. <span class="todo">[Add the languages you speak with clients]</span>
- ★ 5.0Google rating
- 60+banks and lenders on our panel1
- 2026Nominated for multiple industry awards
Who this suits
- You've recently arrived on a skilled visa or become a permanent resident
- Your parents are helping with the deposit from overseas
- You have property or a loan back home
- You're buying with siblings or parents
How it works
- A conversation firstIn person, by phone or by video, at a time that suits your family.
- Map the moneyIncome here and overseas, gifts, savings and any loans back home.
- Match the lenderLenders differ a lot on overseas assets, gifts and family purchases.
- SettleWe keep everyone informed through to settlement.
Things worth knowing
Gifts from overseas need a paper trail
Lenders want to see where your deposit came from. Money sent from India or elsewhere should come through your bank with clear records, and a signed gift letter is usually needed.
Loans back home count
Repayments on a loan in India or elsewhere are usually counted as a commitment, even if rent covers them.
Buying with family is possible
Each person's income and debts are assessed. Get legal advice on how you'll hold the title.
Guarantors usually need Australian property
Parents can sometimes guarantee part of a loan, but most lenders need that guarantee secured by property in Australia.
Documents you'll usually need
- Passport and visa details
- Payslips and bank statements
- A signed gift letter, if family is helping
- Records of money transferred from overseas
- Statements for loans in Australia and overseas
We'll confirm exactly what your lender needs, so you don't gather anything twice.
Calculators for this
Questions
Can my parents overseas gift me the deposit?
Many lenders accept gifts with a signed gift letter and evidence of the transfer. Some want the funds to sit in your account for a period first.
Will my loan in India affect my borrowing here?
Usually, yes. Lenders count the repayments as a commitment.
Which languages can we speak with you in?
[Add the languages your team speaks]
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.