Australian Expat Mortgages: What You Need to Know
As an Australian citizen living overseas, securing a property loan in Australia as a non-tax resident (Australian expat) requires an understanding of the evolving lending landscape.

In recent years, tighter credit policies for Australian expats have been introduced, aimed at controlling foreign investment and reducing risks like money laundering in the residential property market. These changes have made it more challenging to obtain home loans for your dream property.

However, with the right guidance from an experienced expat mortgage lender, you can still successfully navigate these changes and secure the loan that meets your needs.

In this guide, we’ll explore the current state of Australian expat mortgages, address common questions about obtaining a home loan on a foreign income, and simplify the overseas mortgage process for you.

What’s Possible for an Australian Expat Mortgage?
Loan Terms: You can access up to 30-year terms, meaning age isn’t a concern for repayment.
Loan Types: Both variable and fixed-rate mortgages are available, and you can even opt for a split-rate loan, combining both.
Interest Rates: As an expat, you’ll receive the same interest rates as Australian residents, with no additional margins or penalties for being overseas.
Repayment Flexibility: There are no early repayment penalties, just a one-off discharge fee (around AUD 300) when you pay off your loan. Interest-Only Loans: These are still an option for those who prefer lower monthly repayments and more cash flow flexibility.                              Equity Release: You can access equity from existing Australian properties to finance further investments, such as purchasing another property or funding renovations.
With the right support, obtaining an Australian property loan as an expat is still possible.

As an overseas investor with income earned abroad, you can still secure lender support for your Australian property investment. Loan terms of up to 30 years are available, subject to approval.