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	<title>Home Loan Experts</title>
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	<link>http://www.homeloanexperts.com.au</link>
	<description>Our specialist mortgage brokers get tough loans approved!</description>
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		<title>Australian Mortgages For United Kingdom Residents</title>
		<link>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages-for-united-kingdom-residents/</link>
		<comments>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages-for-united-kingdom-residents/#comments</comments>
		<pubDate>Tue, 09 Apr 2013 04:06:56 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Home loan articles]]></category>
		<category><![CDATA[Overseas borrowers]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=9626</guid>
		<description><![CDATA[Does Buying Real Estate differ in Australia? In Australia, when applying for a mortgage, citizens and permanent residents of the UK are treated just like other foreign citizens or temporary residents. This remains true unless you are the spouse or partner of an Australian citizen or permanent resident, and are buying a property together as [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Insurance In Different Nations</title>
		<link>http://www.homeloanexperts.com.au/blog/non_resident/mortgage-insurance-in-different-countries/</link>
		<comments>http://www.homeloanexperts.com.au/blog/non_resident/mortgage-insurance-in-different-countries/#comments</comments>
		<pubDate>Sat, 23 Mar 2013 06:53:01 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Home loan articles]]></category>
		<category><![CDATA[Lenders Mortgage Insurance]]></category>
		<category><![CDATA[Overseas borrowers]]></category>
		<category><![CDATA[Temporary Residents]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=12041</guid>
		<description><![CDATA[Mortgage insurance (MI), known as Lenders Mortgage Insurance (LMI) in Australia, protects banks and lenders in the event of a borrower defaulting on their loan. It exists in most mortgage industries around the world, often under different names. Regulations and lending policies that define the conditions for mortgage insurance also differ. It is generally required [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/non_resident/mortgage-insurance-in-different-countries/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 Tips For Buying A House In Australia</title>
		<link>http://www.homeloanexperts.com.au/blog/non_resident/10-tips-for-buying-a-house-in-australia/</link>
		<comments>http://www.homeloanexperts.com.au/blog/non_resident/10-tips-for-buying-a-house-in-australia/#comments</comments>
		<pubDate>Thu, 14 Feb 2013 01:59:47 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Overseas borrowers]]></category>
		<category><![CDATA[Temporary Residents]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=11669</guid>
		<description><![CDATA[Moving to Australia means you need a place to live. Many expatriates will eventually look to purchase property. Some like to purchase before moving to the country. Living here in a rental property, for at least the beginning of your stay, is the most common choice. Before you put yourself in substantial debt, this allows [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/non_resident/10-tips-for-buying-a-house-in-australia/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Australian Mortgages For UK Residents</title>
		<link>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages-for-uk-residents/</link>
		<comments>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages-for-uk-residents/#comments</comments>
		<pubDate>Tue, 11 Dec 2012 00:17:48 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Home loan articles]]></category>
		<category><![CDATA[Overseas borrowers]]></category>
		<category><![CDATA[Temporary Residents]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=10950</guid>
		<description><![CDATA[Australian real estate has been popular with British expats and investors for a long time. Many like to move here, either temporarily or permanently. At the moment Australia is also one of the safest property investment countries in the world. Does buying real estate differ in Australia? When applying for a mortgage, citizens and permanent [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages-for-uk-residents/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Privacy Act Amendment</title>
		<link>http://www.homeloanexperts.com.au/blog/low_docs/privacy-act-amendment/</link>
		<comments>http://www.homeloanexperts.com.au/blog/low_docs/privacy-act-amendment/#comments</comments>
		<pubDate>Tue, 04 Dec 2012 00:15:17 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Low doc loans]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=10886</guid>
		<description><![CDATA[Recent changes to the Privacy Act 1988 now give banks greater insight into your credit history. But the big question is, how will this affect the way lenders view your home loan application? Read on to find out more. What has changed? On November 29 2012 the Senate Committee passed The Privacy Amendment (Enhancing Privacy [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/low_docs/privacy-act-amendment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Australian Mortgages For New Zealand Citizens</title>
		<link>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages-for-new-zealand-citizens/</link>
		<comments>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages-for-new-zealand-citizens/#comments</comments>
		<pubDate>Mon, 03 Dec 2012 01:32:46 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Overseas borrowers]]></category>
		<category><![CDATA[Temporary Residents]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=10855</guid>
		<description><![CDATA[Many people from New Zealand look to purchase investment property, or to buy a new home in Australia. The options available differ slightly between NZ citizens and permanent residents of New Zealand (NZ). Does buying real estate differ in Australia? New Zealand citizens are treated in the same way as Australian permanent residents. Therefore the [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages-for-new-zealand-citizens/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Unconventional Building Materials</title>
		<link>http://www.homeloanexperts.com.au/blog/low_docs/unconventional-building-materials/</link>
		<comments>http://www.homeloanexperts.com.au/blog/low_docs/unconventional-building-materials/#comments</comments>
		<pubDate>Wed, 28 Nov 2012 05:42:39 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Low doc loans]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=10828</guid>
		<description><![CDATA[Are you concerned about protecting the earth and conserving energy? Why not purchase an eco-friendly home with unconventional building materials? Did you know you can borrow up to 80% LVR to pay for your ecologically-friendly home? Read on to find out how we can help you. How much can I borrow? Whilst it may make [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/low_docs/unconventional-building-materials/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying Property In Australia</title>
		<link>http://www.homeloanexperts.com.au/blog/non_resident/buying-property-in-australia/</link>
		<comments>http://www.homeloanexperts.com.au/blog/non_resident/buying-property-in-australia/#comments</comments>
		<pubDate>Tue, 23 Oct 2012 23:48:47 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Overseas borrowers]]></category>
		<category><![CDATA[Temporary Residents]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=10041</guid>
		<description><![CDATA[Just like most other nations, buying property in Australia as a foreigner can be confusing and involved. However it does not have to be! A small amount of work and you can be on your way to owning your own home or investment property. Be Aware of your Situation Your overall situation, such as your [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/non_resident/buying-property-in-australia/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Australian Mortgages For USA Citizens</title>
		<link>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages-for-usa-citizens/</link>
		<comments>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages-for-usa-citizens/#comments</comments>
		<pubDate>Tue, 23 Oct 2012 23:44:13 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Overseas borrowers]]></category>
		<category><![CDATA[Temporary Residents]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=10090</guid>
		<description><![CDATA[Many American citizens become Expats in Australia, for holidays or to work, and need to purchase real estate. There are also a large number of property investors who are looking for the safest, most stable property markets worldwide, such as Australia’s. How are US citizens treated when buying property? US citizens and permanent residents are [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages-for-usa-citizens/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>SkillSelect</title>
		<link>http://www.homeloanexperts.com.au/blog/non_resident/skillselect/</link>
		<comments>http://www.homeloanexperts.com.au/blog/non_resident/skillselect/#comments</comments>
		<pubDate>Tue, 23 Oct 2012 23:30:57 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Overseas borrowers]]></category>
		<category><![CDATA[Temporary Residents]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=10048</guid>
		<description><![CDATA[As of the July 1st, 2012, skilled migration has undergone some changes. The application process has changed, and for specific visa subclasses, the number of points needed to qualify for selection has been lowered. The subclasses relate to various employment skill bases the Australian Government has determined are in short supply. Policy has also been [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/non_resident/skillselect/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Warehouse Conversions</title>
		<link>http://www.homeloanexperts.com.au/blog/property_types/warehouse-conversions/</link>
		<comments>http://www.homeloanexperts.com.au/blog/property_types/warehouse-conversions/#comments</comments>
		<pubDate>Tue, 19 Jun 2012 04:35:09 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Property types]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=9242</guid>
		<description><![CDATA[There are many old unused warehouse and loft spaces in and around major cities. When investors and developers convert these into large, open plan apartments they are called warehouse conversions, or loft conversions. Many people are attracted to the buildings that have character and history in their very structure. With new developments this can either [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/property_types/warehouse-conversions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Australian Mortgages</title>
		<link>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages/</link>
		<comments>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages/#comments</comments>
		<pubDate>Tue, 19 Jun 2012 01:29:25 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Home loan articles]]></category>
		<category><![CDATA[Overseas borrowers]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=9192</guid>
		<description><![CDATA[It can be very difficult to research borrowing funds in other countries. This is often magnified when you are looking to purchase something like property. The rules and regulations surrounding property markets can be complicated and difficult to understand, especially when you include the laws in that country and the lending policies and guidelines of [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/non_resident/australian-mortgages/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Property Investment Forum Update</title>
		<link>http://www.homeloanexperts.com.au/blog/news/property-investment-forum-update/</link>
		<comments>http://www.homeloanexperts.com.au/blog/news/property-investment-forum-update/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 23:52:31 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[investment]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=8455</guid>
		<description><![CDATA[This has been a busy week for discussions started on our HLE Property Investment Forum. It seems that many members of our forum have been busy attending property seminars this week! We thank all the forum members who took some time to share their opinions and experiences with us. Some of the headlines that received [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/news/property-investment-forum-update/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgages Over $1,000,000</title>
		<link>http://www.homeloanexperts.com.au/blog/policy-changes/mortgages-over-1000000/</link>
		<comments>http://www.homeloanexperts.com.au/blog/policy-changes/mortgages-over-1000000/#comments</comments>
		<pubDate>Tue, 13 Mar 2012 04:15:59 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Lenders Mortgage Insurance]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Policy changes]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=8399</guid>
		<description><![CDATA[Many lenders have changed to stricter policies on loans over 80% of the property value for mortgages over $1 million. This is due to changes made by the lenders mortgage insurers. The insurers have their own restrictions and will not insure the banks and lenders if you are borrowing over a certain amount. If the [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/policy-changes/mortgages-over-1000000/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Lender For Migrants</title>
		<link>http://www.homeloanexperts.com.au/blog/non_resident/new-lender-for-migrants-make-yourself-at-home-in-australia/</link>
		<comments>http://www.homeloanexperts.com.au/blog/non_resident/new-lender-for-migrants-make-yourself-at-home-in-australia/#comments</comments>
		<pubDate>Thu, 08 Mar 2012 05:56:14 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Overseas borrowers]]></category>
		<category><![CDATA[457 visa]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=8343</guid>
		<description><![CDATA[A new lender has announced that they will be lending up to 90% of the property value to qualified migrant home loan applicants! This is fantastic news for migrants headed to Australia! Migrants can now have their mortgage approved and be ready to buy a home before they even set foot in the country! As [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/non_resident/new-lender-for-migrants-make-yourself-at-home-in-australia/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Servicing Calculators Are Changing!</title>
		<link>http://www.homeloanexperts.com.au/blog/news/mortgage-lending-calculators-for-major-lenders-are-changing/</link>
		<comments>http://www.homeloanexperts.com.au/blog/news/mortgage-lending-calculators-for-major-lenders-are-changing/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 05:33:35 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Loan offer]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=8024</guid>
		<description><![CDATA[Major banks are changing their serviceability calculators! This will have an effect on how much you are eligible to borrow for your home loan. What&#8217;s changing? Effective as of February 18, 2012, home loan applications will be subject to revised living expenses by some of the major banks. The Commonwealth Bank announced that they are [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/news/mortgage-lending-calculators-for-major-lenders-are-changing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Major Banks Increase Rates</title>
		<link>http://www.homeloanexperts.com.au/blog/news/major-banks-increase-rates/</link>
		<comments>http://www.homeloanexperts.com.au/blog/news/major-banks-increase-rates/#comments</comments>
		<pubDate>Tue, 14 Feb 2012 03:35:59 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[news]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=7957</guid>
		<description><![CDATA[On Friday, 10 February 2012, ANZ announced increase of its interest rates on standard variable home loans and business loans by 6 basis points, that is by 0.06%. ANZ is currently offering 7.36% on variable interest home loans. While ANZ increased its standard variable home loan rates, the bank also announced a reduction of its [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/news/major-banks-increase-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>ANZ Increases Interest Rates</title>
		<link>http://www.homeloanexperts.com.au/blog/news/anz-increases-interest-rates-for-variable-interest-home-loans/</link>
		<comments>http://www.homeloanexperts.com.au/blog/news/anz-increases-interest-rates-for-variable-interest-home-loans/#comments</comments>
		<pubDate>Fri, 10 Feb 2012 06:50:11 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[lenders]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=7797</guid>
		<description><![CDATA[Variable Interest rates for ANZ customers are to increase by 0.06% as announced by ANZ today. This announcement came after the monthly meeting of Reserve Bank of Australia for the month of February. What are the Reserve Bank of Australia&#8217;s lending rates? RBA interest rates are currently at 4.25%. RBA cut its rates in November [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/news/anz-increases-interest-rates-for-variable-interest-home-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The LAFHA Changes Affect Non-Residents</title>
		<link>http://www.homeloanexperts.com.au/blog/news/how-will-lafha-changes-affect-457-business-visa-holders-finances/</link>
		<comments>http://www.homeloanexperts.com.au/blog/news/how-will-lafha-changes-affect-457-business-visa-holders-finances/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 00:46:29 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[457 visa]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[non-resident]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=7693</guid>
		<description><![CDATA[Temporary visa holders on the Living Away From Home Allowance (LAFHA) will now have a reduced income due to changes in the LAFHA policy. This may affect your borrowing capacity. Read on to find out how. What is the LAFHA? LAFHA is an allowance that is designed to be paid to an employee tax free, [...]]]></description>
		<wfw:commentRss>http://www.homeloanexperts.com.au/blog/news/how-will-lafha-changes-affect-457-business-visa-holders-finances/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Australian Housing Market Predictions</title>
		<link>http://www.homeloanexperts.com.au/blog/investment_loans/australian-housing-market-predictions/</link>
		<comments>http://www.homeloanexperts.com.au/blog/investment_loans/australian-housing-market-predictions/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 06:14:50 +0000</pubDate>
		<dc:creator>Home Loan Experts</dc:creator>
				<category><![CDATA[Investment loans]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[news]]></category>
		<category><![CDATA[predictions]]></category>

		<guid isPermaLink="false">http://www.homeloanexperts.com.au/?p=7219</guid>
		<description><![CDATA[According to the QBE LMI Australian Housing Outlook Report 2011-2014 released in October, Australia can look forward to a general improvement in the housing market. QBE is one of Australia&#8217;s leading LMI providers. This is an annual report that indicates what the top economists believe different housing markets in Australia will do. In the past [...]]]></description>
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