Expat Home Loans for Australians Living Overseas
Australian mortgage brokers experienced in lodging home loan applications for Australians living or working overseas.
Introduction
Australians living overseas are often assessed differently by lenders when applying for home loans in Australia. Income earned offshore, employment arrangements, and lender policy differences can all affect how an application is assessed.
This page is for Australians living overseas who want to discuss a home loan application with a mortgage broker.
Who this is for
- Australians living or working overseas
- Expats purchasing property in Australia
- Professionals earning foreign income
- Australians planning to return to Australia
How Expat Home Loan Applications Are Handled
We provide information about lending options available to Australians living overseas and submit home loan applications to lenders for assessment.
- Review information provided by the applicant
- Identify lenders that accept applications from Australians living overseas
- Submit loan applications to selected lenders
- Communicate with lenders during the assessment process
Why Expat Applications Are Assessed Differently
Lenders apply different criteria when assessing applications from Australians living overseas. Assessment outcomes can vary depending on the lender, the country where income is earned, and how overseas income is treated under lender policy.
For detailed explanations of lending rules, applicants may wish to review independent educational resources before proceeding, these are available at property and mortgage insights Australia podcast(our podcast) and modelmortgages (our knowledge base)for explanation.
Why People Work With Us
Experience lodging expat applications
Access to a broad range of lenders
Clear process for overseas applicants
Meet Our Brokers
Our brokers regularly lodge home loan applications for Australians living overseas..
Phil Riches
CEO & Lead Mortgage Broker
Specialising in complex and self-employed lending.
Existing clients or referred introductions may call Phil directly on 0418 204 304.
Julianne Zammit
Senior Mortgage Broker
Known for precision with first home buyers and complex lending scenarios.
Existing clients or referred introductions may call Julianne directly on 0431 922 899.
Jason Wilkinson
Senior Mortgage Broker
Methodical, calm, and known for getting the details right.
Existing clients or referred introductions may call Jason directly on 0413 434 693.
Ian Hughes
Senior Mortgage Broker
Technical lending expert trusted by first-time buyers and professionals.
Existing clients or referred introductions may call Ian directly on 0403 522 961.
We work with professionals, families and business owners across Australia.
What Clients Say
Our clients are based across New South Wales, Queensland and beyond, with brokers who work remotely and in-market where required.
Hear our brokers speak
Some people like to hear how our brokers think and communicate before their first conversation.
Discuss an Expat Home Loan Application
Whether you are buying now or planning ahead, you may wish to speak with a mortgage broker before submitting an application.
Prefer to outline things first?
If your circumstances are more complex, you’re welcome to send an enquiry and we’ll review it before getting in touch.
Media commentary grounded in day-to-day broking practice.
