To start, it's important to understand the steps involved in purchasing property in Australia as a non-resident. You may also need approval from the Foreign Investment Review Board (FIRB) depending on your situation.

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Home Loan Options for Non-Residents

​We offer a variety of mortgage solutions for different types of borrowers, including:

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• Australian citizens living overseas

• Australian permanent residents (PR)

• New Zealand citizens

• Foreign citizens living overseas

• Foreign citizens living in Australia on a working visa

• Foreign citizens living in Australia on a temporary visa​​​

• Foreign citizens living in Australia on a spouse or student visa​

Can You Get a Home Loan or Investment Loan?

Most non-resident borrowers are eligible to borrow up to 80% of the property's value. In some cases, it’s possible to borrow up to 95%, depending on your visa status and where you're currently residing. We can guide you through the process to help you understand how much you may be eligible to borrow.

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Key Features of Non-Resident Mortgages

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​Many Australian banks now offer home loan features and interest rates for non-residents that are on par with regular borrowers. These features include:

• Minimum loan size: $100,000

• Maximum loan size: Varies depending on your location and circumstances

• Loan term: Up to 30 years

• Professional package discounts: Available

• Construction home loans: Available

• Extra repayments: Available

• Redraw facility: Available

• 100% offset accounts: Available

• Internet and phone banking: Available, although international calls may be limited

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Our mortgage brokers will work with you to identify the best lender for your situation and help you get the loan that meets your needs. Contact us at (03) 9566 7247 or book our free 30-minute discovery call today.

How Do Banks View Foreign Investors?

It’s crucial to apply with the right lender, as not all banks are the same when it comes to lending to non-residents. Our brokers specialise in helping new migrants, Australians living overseas, and foreign investors secure finance. By applying with the right bank, we can help ensure that your application gets approved first time.

Choosing the Right Lender

With a growing economy and attractive property markets, many foreign investors are purchasing properties in Australia. However, it's essential to apply with a lender that understands the complexities of non-resident mortgages. We can help you find the best loan terms and ensure you’re matched with a lender that suits your needs.​

Do You Need FIRB Approval?