Foreign Income Calculator
Discover if the bank will accept your foreign income
Why Expats Trust Us With Their Home Loans
We understand how tricky the expat lending process can be. That’s why we work with lenders who welcome expats, even if:
- You don’t have a current Australian tax return
- You earn income in a foreign currency
- You’re on a temporary visa or live overseas full-time
- You want to buy, invest, or refinance from abroad
Quick Snapshot: What We Can Do For You
| Challenge | Our Solution |
|---|---|
| No Australian tax return | Some lenders accept foreign tax returns or payslips. |
| Foreign currency income | We know which currencies lenders accept (USD, SGD, AED, etc.) |
| Living overseas full-time | Lenders are available even if you don’t live or plan to return. |
| Need a fast answer | Get pre-assessed within 24 hours, no credit check needed. |
Qualifying For A Home Loan As An Expat
- Borrow up to 90% of the property value: You are eligible to borrow as much as a citizen living in Australia, even if you’re overseas.
- Foreign income accepted: Most lenders apply what’s known as income shading, meaning they may count only 80-90% of your foreign income to account for currency fluctuations and employment types.
- Provide proof of income: You’ll need recent payslips or foreign tax returns. If your documents aren’t in English, they must be professionally translated.
- Choose the right lender: Not every lender is expat-friendly. We work with banks and specialist lenders who understand your situation and won’t make the process harder than it needs to be.
50+ lenders for you to choose from
Our brokers will compare thousands of home loans to find you the best fit.
Find Better Home Loan Rates
Latest home loan interest rates
Starting from
%*
p.a.
Comparison rate
%*
p.a.
Disclaimer: Your actual rate may vary according to your preferred lender and mortgage situation/needs. Talk to our experts for a personalised quote.
Discuss Rate With An Expert
Client Success Story: From “No” To A $2.2M Investment Win
“We’d tried two brokers. One couldn’t get us enough borrowing capacity, and the other fell short by $200K. Then we found Home Loan Experts.”
Daniel and Grace, an Australian expat couple living in Singapore, had their sights set on a $2.74M investment property in Sydney. But they hit several roadblocks. Their income was foreign, they had no Australian credit file, and their financial situation was complex.
With a combined income of $527,000 earned overseas, they needed more than just an off-the-shelf solution.
We helped them secure a $2.2M loan by:
- Getting 90% of their foreign income accepted for servicing
- Secure a more competitive deal
- Keep flexibility for extra repayments and redraw
- Get access to an offset account (which isn’t available with fully fixed loans)
What Our Customers Say
Despite the complexities of equity release and expat income, which made the process challenging, Bibesh was incredibly knowledgeable and supportive throughout. From the beginning, he maintained a positive attitude and informed me at every stage.
I called Pramesh on a whim after seeing an ad on google was he able to think outside the box and find a suitable non-bank lender that would meet my expectations. Pramesh and team were incredibly diligent in keeping me up to date and processing my application as smoothly as possible.
As an ex-pat Aussie living in Singapore, the Australian banks make it so difficult for me to get a mortgage for Australian property. Shane at Home Loan Experts knows which banks have the products that suit me, and the requirements of each bank before they will accept my mortgage application.
4.9 out of
2,000++ reviews
4.8 out of
430++ reviews
4.8 out of
1000++ reviews
Award-Winning Expertise At Your Service
Customised home loan solutions for you
Get a recommendation in just 3 easy steps.
-
Enquire with us.
Quickly fill out our assessment form or call us at +61 2 9194 1700. -
Tell us your situation.
One of our mortgage experts will get in touch with you to assess your situation better. -
Get Your dream home.
We will find you the best possible lender to suit your goals and needs.