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Last Updated: 22nd January, 2024

Check if you qualify for a home loan as an Australian expat

Select your residency status.
Select your country
Select the currency you are earning in
Select what you are planning to do.
How It Works
  1. We will ask you a few questions in order to better understand your situation.
  2. The information you entered will be analysed by our smart assessment system.
  3. Find out if there are any lenders who may be able to approve your home loan.

The tool is designed to work out if you are eligible for an Australian mortgage to purchase or refinance real estate in Australia. It assesses the policies of the lenders on our panel so you know who can help you get approved for a mortgage.



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.