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Expat Home Loan Specialist Since 1991

Australian Expat Home Loans & Mortgages

#1 For Australian Expat Home Loans For Over 30 Years.

Specialist Mortgage has been Australia’s leading mortgage broker for Australian expats since 1991.

With over 30 years of experience, we’ve developed a deep understanding of the unique challenges Australian expatriates face when applying for home loans. Unlike local borrowers, expats often fall outside the standard lending criteria used by most banks.

Securing finance for property in Australia while living abroad can be complex. Many Australian expats encounter limited loan options, higher interest rates, and strict lending requirements.

At Specialist Mortgage, we specialise in helping Australian expats access competitive residential loans across a wide range of property goals, whether you’re buying your first home, building a new property, upgrading to your dream home, or expanding your investment portfolio.

We also offer expert support with refinancing, negotiating better rates with your current lender, or tapping into your home equity to fund future investments.

Custom Mortgage Solutions For Australian Expats

We specialise in securing customised home loan options for Australian expats. Our goal is to make the mortgage process easy, efficient, and stress-free.

With decades of combined expertise, we’ve helped thousands of Australian expats in obtaining the right home loan. Our dedicated mortgage brokers work closely with a wide network of lenders to negotiate the most favourable rates and terms available.

Many of our brokers have been expats themselves, so we genuinely understand the challenges involved in buying property from abroad. We’re passionate about delivering outstanding service, clear communication, and ongoing support from start to finish.

Speak with our team today to discuss your unique circumstances, and discover how a tailored Australian expat mortgage solution could save you thousands.

For Aussies, No Matter Where You Are.

Professional Advice.

Our team has more than 30 years of experience helping Australian expats with home loans and refinancing. We are fully accredited and trusted in the industry. We provide expert advice and a proven history of expertise that’s unmatched in the market.

Negotiating Power.

As the leading Australian mortgage originator with a global presence, we leverage our scale, volume, and strong lender relationships to secure exclusive terms and the most competitive loan packages for our Australian expat clients.

The Biggest And Best.

We pioneered mortgage origination in Southeast Asia and continue to be the leading lender, offering a full range of loan options to Australian property investors both locally and internationally.

Get Started

Can I Qualify for an Australian Expat Mortgage Whilst Living Overseas?

Getting an expat mortgage can be easy and exciting with some general knowledge and support from experienced Australian expat mortgage brokers.

Let’s look at the basic requirements to get started…

Employment Status & Income.

Most lenders require Australian expats applying for home loans to show a consistent employment history and a dependable source of income. While lending policies vary, presenting your employment contract, salary details, and any applicable bonuses or allowances helps to demonstrate financial stability.

A Decent Deposit.

Similar to standard mortgage applications, Australian expats are generally expected to provide a deposit towards the property purchase. The amount differs depending on the lender, but it’s common to have at least 20% of the property’s value. Saving a larger deposit is highly recommended, as it can enhance your likelihood of mortgage approval and may unlock more favourable interest rates.

A Good Credit Status.

Maintaining a healthy credit history is crucial when applying for an Australian expat mortgage. Lenders assess your creditworthiness based on your credit history and credit score. Before applying, ensure that you have a good credit score by paying your bills and debts on time and avoiding defaults or late payments. Obtaining a credit report from relevant credit bureaus in your home country and providing it to lenders can strengthen your mortgage application.

Foreign Currency.

Lenders often take exchange rate risks into account when reviewing your mortgage application. They may evaluate the stability of the currency in which you earn your income and potential volatility. Consulting with us can provide valuable insight into how lenders view these risks and help you develop a strategic plan accordingly.

Documentation.

As an Australian expatriate applying for a mortgage while living overseas, you’ll need to submit thorough documentation to support your application. These documents typically include:

  • Proof of identity: Valid passport and/or driver’s license.
  • Proof of income: Employment contract, salary slips, and bank statements showing regular salary deposits. If you’re self-employed, this may also include business financial statements or tax returns.
  • Proof of residency: Documents confirming your residency abroad, such as a valid visa or work permit.
  • Tax returns: Provide your most recent tax returns, either from your home country or the country where you are residing.
  • Credit history: Secure credit reports from the appropriate credit bureaus in either your home country or country of residence.

The Team To Trust Anytime, In Any Location.

With 14 Offices Globally,
We’re Here For You.

1 Financial Deepdive

We’ll start by getting to know you a little better and your financial background. This includes assessing your income, savings, and any existing debts or liabilities. We also take into account factors like employment stability, income consistency, and credit history. Lenders generally expect Australian expats to show steady income and a significant deposit to qualify.

2 Provide Guidance

Next, we provide expert guidance and explore a wide range of lenders to match you with suitable mortgage options. We’ll tailor our recommendations to fit your goals and financial circumstances. This step prepares you for your home loan application.

3 Gather Documentation

The standard documents you’ll likely need to submit include proof of identity, income verification (such as tax returns, payslips, or employment contracts), bank statements, and evidence of residency or visa status. Additionally, some lenders may request confirmation of your overseas income along with its conversion to Australian dollars.

4 Find A Loan Product That Suits You

We’ll determine how much you need to borrow and identify the loan structure that suits your needs. Key considerations include interest rates, repayment options, and loan terms. You can choose from variable-rate loans, fixed-rate loans, or a combination of both, and special loan features. We can also assist in securing pre-approval before you begin your property search. Having pre-approval not only clarifies your borrowing capacity but also strengthens your position with sellers by showcasing your financial readiness.

5 Find A Property

You might consider engaging a buyer’s agent and conveyancer to manage the legal details of your property purchase and assist with your property search. They will review contracts, conduct due diligence, and help ensure a seamless settlement process. Meanwhile, the lender will also arrange for a property valuation during this period.

6 Settlement

After settlement, your attention shifts to managing your home loan. Establish a repayment plan and make timely payments. Our team remains available to assist you with any loan updates, interest rate changes, or general support whenever needed.

Rewarding Journey

Australian Expat Home Loan Application Process.

Buying property in Australia should be a smooth and fulfilling experience.

With 30 years of expertise in Australian expat home loans, we know how to deliver the best results for you.

Talk to our experts today.

Our team are focused on helping you achieve your financial goals and property dreams.