Expat Home Loans Australia
Living overseas should not stop you from investing in Australian property. We specialise in expat lending, navigating the unique challenges of borrowing from abroad.
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Why Choose Simplify Finance for Expat Home Loans?
At Simplify Finance, we believe finding the right loan should be simple, transparent, and stress-free. Led by Fabio De Castro — ranked in the Top 20 out of 19,000 mortgage brokers nationally — our team brings over 15 years of experience and access to more than 50 lenders. Our service is free to you; we are paid by the lender.
Specialist Expat Lenders
Not all lenders accept expat applications. We know exactly which of our 50+ lenders offer competitive expat products.
Foreign Income Accepted
We work with lenders who accept foreign currency income, including complex remuneration structures.
Remote Process
The entire application process is managed remotely — from video consultation to digital document signing across time zones.
Tax and Structure Advice
We help you understand the tax implications of owning Australian property as an expat and connect you with specialist accountants.
Frequently Asked Questions
Can I get a home loan while living overseas?
Yes, Australian citizens and permanent residents living overseas can obtain home loans. Not all lenders offer expat products and criteria can be stricter.
What deposit do expats need?
Most expat-friendly lenders require a minimum 20% deposit, as LMI is generally not available for expat borrowers.
How is foreign income assessed?
Lenders typically apply a discount (shading) of 20-40% to foreign income depending on the currency and country.
Can non-residents buy property in Australia?
Non-residents face FIRB restrictions and generally can only purchase new properties. Australian citizens overseas are not subject to FIRB.
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