Buy a home in Australia
Explore finance options for purchasing an Australian property while you're currently living and working overseas.
EXPAT HOME LOANS
Invest back home, wherever you are.
Living overseas should not stop you from buying, investing or refinancing property in Australia. hfinance helps Australian expats navigate foreign income, lender policy and more complex borrowing requirements.
BORROWING FROM OVERSEAS
Australian property finance built around where you live and how you earn.
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Foreign income assessment
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Home and investment lending
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Multiple currencies and income structures
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Guidance through lender documentation requirements
EXPAT LENDING IS DIFFERENT
Your income may be strong. The challenge is finding a lender that knows how to assess it.
Australian expats can face a different set of lending rules when applying for finance back home.
Overseas income, foreign currencies, different tax systems, employment structures and residency status can all affect how an Australian lender assesses your borrowing capacity.
hfinance helps you understand how different lenders may view your situation and identifies finance options suited to your circumstances.
HOW WE CAN HELP
Australian property finance from almost anywhere in the world.
Whether you're purchasing property, building your portfolio or reviewing an existing loan, we can help you navigate the lending process from overseas.
Investment property
Finance an Australian investment property and build your portfolio while earning income internationally.
Refinance an existing loan
Review an Australian mortgage while overseas and explore alternative rates, lenders or loan structures.
Prepare for your return home
Plan your lending strategy before returning to Australia so you can understand your options before making your next property move.
WHAT MAKES EXPAT LOANS DIFFERENT?
More moving parts. More reason to understand lender policy before you apply.
Foreign currency income
Lenders may assess overseas income differently depending on the currency you earn and their own foreign-income policies.
Employment structure
Salaried employment, contracting, commissions, bonuses and self-employment can each be treated differently by lenders.
Documentation
Overseas payslips, employment contracts, bank statements, tax documents and identification may all form part of the assessment.
Borrowing capacity
The way a lender converts and discounts overseas income can have a significant impact on how much you may be able to borrow.
Country of residence
Your current country of residence may influence available lenders, documentation requirements and assessment criteria.
Lender policy
Not every Australian lender approaches expat borrowers the same way, making lender selection particularly important.
COMMON EXPAT SCENARIOS
Your situation doesn't need to fit a standard payslip.
We work through the details of your income, location and property goals before considering which lenders may be suitable.
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Australian working overseas
You're an Australian citizen or resident currently earning employment income in another country.
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Buying before returning home
You plan to move back to Australia and want to secure property before or around the time you return.
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Building an Australian portfolio
You want to continue investing in Australian property while living overseas.
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Multiple income sources
Your remuneration may include salary, allowances, bonuses, commissions or other overseas income.
HOW IT WORKS
From overseas enquiry to Australian settlement.
Understand your situation
We review where you live, how you're employed, what currency you earn and what you're looking to achieve.
Review your income
We look at the documents available and how different lenders may assess your overseas income.
Compare suitable lenders
We compare relevant lender policies, borrowing structures and potential finance options.
Manage the application
We help coordinate documentation, submission and lender communication through to approval and settlement.
PREPARING YOUR APPLICATION
What might you need?
Documentation varies depending on the lender and your circumstances, but preparing the right information early can make the process much smoother.
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Passport and identification
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Recent overseas payslips
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Employment contract or employer letter
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Bank statements
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Evidence of savings or deposit
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Existing Australian loan information
KEY CONSIDERATIONS
Expat borrowing is about more than finding an interest rate.
Different lenders can have materially different approaches to foreign income, currencies and overseas borrowers.
Understanding those differences before applying can help you avoid approaching a lender whose policy does not suit your situation.
Your hfinance broker can help explain available options, expected documentation and how different lending structures may affect your borrowing position.
Explore your Australian property finance options from wherever you are.
Speak with hfinance about your overseas income, Australian property goals and the lending options that may be available to you.
Speak to an hfinance Broker →
Premium mortgage and lending solutions designed to help Australians move forward with confidence. Tailored guidance, strategic lending and exceptional client service.
COMPANY
SERVICES
GET IN TOUCH
96 Railway Ave, Stanmore NSW 2048, Australia
- Email: hello@hfinance.com.au
- Phone: +61 2 7252 5535
- Hours: Mon-Fri 9:00AM - 5:00PM
The information provided on this website is for general information purposes only and is not based on your personal objectives, financial situation or needs. You should consider whether it is appropriate for your circumstances and seek independent professional advice before making any financial decisions.
HFINANCE PTY LTD (ACN 605 599 997) is an Authorised Credit Representative (CRN 464340) of Mortgage Specialists Pty Ltd (ACN 612 422 178), Australian Credit Licence 384025.
*The comparison rate is based on a loan amount of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different loan amounts, terms, or fees may result in a different comparison rate,
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