Non-Resident Mortgage Calculator

Your situation

Where are you living?
What is your citizenship / visa status?
What are you looking to do?
How will you use your property?
Property value
$

Contact a mortgage broker

Talk to one of our mortgage brokers about your situation: Yes  No   

This calculator is designed to work out if you are eligible for an Australian mortgage to purchase or refinance real estate in Australia. It will check your situation against the policy of four major Australian lenders that we commonly recommend for non-resident loans.



Essential tips for non-resident borrowers

  • Reduce your loan amount: If all of the lenders are giving a “declined” result then it may be because you are borrowing a high percentage of the property value.
  • Have genuine savings: Australian lenders prefer to see that you have saved at least 5% of the purchase price. These funds must have been held in your account for three months or saved up over more than three months.
  • Ask us for help: Our mortgage brokers are experts in non-resident lending. Please call us on 1300 889 743 or enquire online and we can let you know if you are eligible for a home loan.

Please note that there are some hidden catches in bank policies that are not taken into account by this calculator. For example, Australian banks will not lend to residents of some specific countries due to potential tax issues.

The banks also assess different types of temporary residents (457 visa / 820 visa etc) in different ways or people who are applying as a couple with someone who is an Australian citizen.

Why use us?

We aim to set an example by delivering what we promise: a higher level of service, better advice and better home loans.

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Australia-wide services

We finance properties anywhere in Australia for people anywhere in the world.

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Get incredible interest rates

Our relationships with our panel of lenders allow us to negotiate your interest rate.

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We get tough loans approved

We can help you navigate the often complex pre-approval and application process.

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How we find you the right solution

We get a complete understanding of where you’re at and what your ultimate goals are.
You’ll get a recommendation in just a few simple steps.

free assessment
1

Complete our free assessment form or call us.

situation
2

We assess your situation.

options
3

We look at all the options from our panel of lenders.

suitable home loan deals
4

We will find you the most suitable home loan deals.

Testimonials for Home loan experts

Facts
about us

50+

lenders on
our panel

$4B+

lent Australia-wide
and counting

Westpac
ANZ
Nab
AMP
Qudos
Firstmac
Common Wealth
St George
ING
Homeloans
Macquire
Suncorp
Pepper Money
Me Bank
Bankwest
75%

of our borrowers get
approved with a major bank

95%

of our borrowers get a discount
below the bank standard variable rate

Otto Dargon

Founder, Home Loan Experts

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