Fewer Buyers. More Choice. Are You Ready To Buy Back Home?
Auction clearance rates have fallen to 45.3%*, while advertised property stock is 7.7%* higher than a year ago.
For Australians living overseas, that could mean:
- More properties to compare
- Greater room to negotiate
- More time to complete due diligence
- Less pressure from competing buyers
*Source: Cotality, July 2026. Clearance rate: week ending 19 July; listings: four weeks ending 5 July.
Why Lender Choice Matters For You
We compare suitable lender policies against your actual circumstances, helping you understand your potential purchasing range before you make an offer.
| Your Situation | What A Suitable Lender Could Mean For You |
|---|---|
| Paid in a foreign currency | More of your overseas income may be recognised. |
| No Australian tax return | Eligible overseas payslips, tax records and bank statements may be accepted instead. |
| Working in a low-tax or tax-free country | Your assessment may better reflect the tax you actually pay overseas. |
| Receiving bonuses or allowances | More of your regular remuneration may count towards borrowing power. |
| Buying with a foreign partner | Access to lender options suited to mixed-residency applications. |
50+ lenders for you to choose from
Our brokers will compare thousands of home loans to find you the best fit.
What Our Customers Say
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.
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.
Pramesh was able to think outside the box and find a suitable non-bank lender that would meet my expectations. Pramesh and the team were incredibly diligent in keeping me up to date and processing my application as smoothly as possible.
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
Get A Free Expat Home Loan Assessment
Find your borrowing power before you make an offer.
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1. Share Your Situation.
Complete our short assessment form or call +61 2 9194 1700. Tell us where you live, what you earn and what you are planning to buy.
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2. Get An Expert Review.
A specialist broker reviews how Australian lenders may treat your income, currency, deposit and residency position.
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3. Compare And Move Forward.
When you are ready, we compare suitable lender options and support your application through approval and settlement.