What we’ll consider
- Country of residence and income currency
- Lender policies for foreign income and employment
- Deposit, equity, loan-to-value ratio and property location
- Currency movements, fees and total loan costs
Finance Made SimplerRequest a ConsultationExpatriate Loans · Australian property finance while overseas
Overseas life. Australian property plans.
Your income may be earned overseas, but your next property could be back home. Let’s make the Australian lending questions easier to navigate from wherever you are.
Talk to Paul Thomas
Where are you now, and what are you planning back home?
Buying while abroad comes with its own practical questions: which income documents are needed, how a lender treats your currency, and how to coordinate the application across time zones. We can discuss those details early.
Tell me about your country of residence, employment, applicant status and the property you have in mind. A partner’s circumstances matter too, particularly where citizenship or residency differs.
Whether you are investing, refinancing or preparing to return to Australia, I’ll help you understand the next steps and the information needed for a lender assessment. Overseas income is assessed differently by different lenders.
This may help if you are looking to:
- Australians living and working overseas
- Buying an Australian home or investment property
- Refinancing an existing Australian property loan
- Using eligible overseas income to support an application
- Planning a future return to Australia
What to prepare
- Current passport and identification documents
- Employment contract, payslips and recent bank statements
- Details of overseas income, currency and tax arrangements
- Property information and existing Australian loan statements, if applicable
What happens next
We discuss your goals, review the information available, compare suitable options and explain the next steps before you decide whether to proceed.
A few questions you might be asking
Can overseas income be considered?
Some lenders consider eligible overseas income. Accepted currencies, employment types and the amount of income recognised vary by lender. An individual assessment is needed.
Can I apply with a partner who is not Australian?
Tell Paul Thomas each applicant’s citizenship and residency circumstances. These can affect lender eligibility and may involve additional property, tax or foreign-investment requirements. Obtain qualified advice on those requirements.
Do I need to be back in Australia to start?
You can make an enquiry from overseas. Identification, signing and other application requirements depend on the lender and your circumstances.
Ready to explore your options?