If you are an Australian Citizen or Permanent Resident living Overseas and looking to invest in property in Australia, we can help you with a home loan
- Fast turnaround time
- Guide you from preapproval to settlement
- Borrow up to 95% of the purchase price
- No cost, no obligation service
Home Loans for Australian Expats
Embarking on the journey of buying a property in Australia as an Australian citizen living overseas (known as an ‘Australian Expat’) can be a daunting task. Securing your home loan, however, has never been easier, all thanks to the exceptional services of Professional Home Loans.
Our team of experienced mortgage brokers at Professional Home Loans specializes in securing home loans specifically tailored for Australian citizens living and working abroad. With us by your side, you can now secure financing up to 95% Loan-to-Value Ratio (LVR) at standard home loan interest rates, making your dream of owning an overseas property a reality.
At Professional Home Loans, we understand the unique challenges faced by Australian expats. That’s why we consistently secure loans with high LVRs against top-quality properties. With our extensive knowledge, wide-ranging connections, and years of experience, we have the expertise to simplify your overseas home-buying process.
Leave the complexities to us. Trust the specialists at Professional Home Loans to guide you through every step of securing your home loan, ensuring a smooth and hassle-free experience. Unlock your overseas dream home today with our dedicated team by your side.
Maximum Lending Ratios for Australian Expat Home Loans
Australian Expat includes both Australian citizens and Permanent Residents living and working abroad. Australian Expats seeking a home loan are often told by financial institutions that they have to adhere to an 80% LVR on property purchases, chewing up valuable capital and reducing the deductible benefits of negative gearing that are available to some ex-pat homeowners. But in our experience, that is simply not the case. We have recently placed expat home loans for Australian citizens living in a wide array of foreign countries (including Singapore; Japan; Dubai, UAE; London, UK; Hong Kong; China; Europe, US). We have options that allow you to potentially borrow up to 95% of the value of the property.
Why use a Specialist Non-Resident Mortgage Broker?
Bank policy on home loans for non-residents is a minefield with competing lenders applying vastly different credit policies and home lending criteria. This difference in lending criteria can result in one bank approving the home loan while others will decline the application, reduce the loan amount or require a larger deposit from the borrower.
For example, some lenders will:
– Only lend to Australian citizens abroad that are earning a particular currency
– Not lend to non-residents at all
– Apply Australian taxation to expat income for servicing purposes and discount for currency fluctuations.
This is where Professional Home Loans Brokers can help. We understand the complex non-resident lending policies and requirements for all Australian banks and non-bank lenders to ensure that your home loan is approved the first time and at the best available interest rate.
There is no cost for our service and absolutely no obligation.
Contact us online or call 1300 55 44 97 today to learn how we can answer all your questions about getting a home loan on a Temporary Visa!
Free 30-Minute Finance Strategy Session For Professionals
Let us help guide you through the Home loan process.
Getting a home loan was really simple with Professional Home Loans.
“We went overseas during settlement and it was not a problem for them, everything went smoothly and I’m writing this from my new home! “
Jack Clancy
Well done you made it easy with no BS.
“Couldn’t ask for a better job – until next time (although no time soon, moving was awful). “
Accountant, Mick and Vanessa Renton
No LMI for building home in Sydney as well as 90% LVR no lmi for investment proerpty off the plan in Newcastle.
“Professional Home Loans has provided us with a very professional service, communicating all the available options to us and in the process he has literally saved us $75k that we would have otherwise paid. They certainly go beyond the call of duty. “
Hamilton (Accountant) & Nyari (Doctor) Sydney
Working for QLD Health achieved 90% LVR no LMI at normal rates - From UK. Sunshine Coast, QLD
“We were able to get a loan at a good rate and avoid paying LMI which saved us several thousand dollars that we can now put towards other things. Very helpful and informative about all aspects of the process, not just the loan, which we really appreciated as it made the whole thing a lot easier for us.”
Craig and Louise (Medical Registrars)
On a contracting basis – she got paid roughly 70% of what she billed.
“We assisted Arlyn with a 90% Mortgage with No Lenders Mortgage Insurance payable so she could buy a house and land package Thanks so much. All credits goes back to you as you helped me make all this happen. I couldn’t thank you enough for the job excellently done. “