Home loans for expats and non-residents
You can get a home loan for Australian property while living overseas, and we can help. Australian and New Zealand citizens living abroad, and Australian permanent or temporary residents living overseas, may be able to apply as expats; people who aren't Australian residents may be able to apply as non-residents. Loans are for individuals only. Your broker will assess your income and financial situation, and every application is assessed on its circumstances and lending criteria.
Am I an expat or a non-resident?
We can help with both expat and non-resident home loans. In general terms:
- Expats: Australian citizens, New Zealand citizens, and Australian permanent or temporary residents with an acceptable visa, who live overseas.
- Non-residents: people who aren't Australian residents and live in an accepted country.
Definitions vary slightly between our loans. Your broker will check which definition fits you and whether your country of residence is accepted.
Who can apply?
Expat and non-resident loans are for individual borrowers only. Companies, trusts and business borrowers can't apply. If you hold a visa, your broker will check that it meets the lending criteria. Each application is assessed on its circumstances and lending criteria.
Can I use income earned overseas?
Income earned overseas can be considered. Your broker will assess your income and financial situation, verify your income and expenses, and you'll need to show the loan is affordable. Every application is assessed on its circumstances and lending criteria.
How much can I borrow?
How much you can borrow depends on your circumstances, the property and our lending criteria. A risk fee may apply instead of lenders mortgage insurance (LMI), and loan size limits apply. Your broker can check what applies to you and the property before you commit to a purchase.
What can the loan be used for?
Depending on the loan, expat and non-resident loans can be used to buy, refinance or build a home to live in or to rent out. Some of our non-resident loans can't be used for debt consolidation, and equity release is limited. Interest-only repayments may be available for a period. Your broker will explain what's available for your purpose.
Do expat and non-resident loans cost more?
They can. Expat and non-resident loans may carry a risk fee, a construction risk fee may apply if you're building, and larger loans can carry a loading. Your broker will set out the rate, fees and charges for your scenario from the current rate sheet, so you can compare the full cost before you apply.
Do I need FIRB approval?
FIRB approval may be needed, depending on your residency status and the property you're buying. Approval from the Foreign Investment Review Board is separate from your loan application. You can find general information at foreigninvestment.gov.au, and your lawyer or conveyancer can confirm whether it applies to you.
FAQs
I'm an Australian citizen working overseas. Do I apply as an expat?
Yes. Australian citizens living overseas apply as expats, not non-residents.
How do I prove my identity from overseas?
Depending on the loan, a face-to-face identity check by a consular officer, an engaged identity agent or a notary may meet the requirement. Your broker will explain the steps for your application.
Can I consolidate debts as a non-resident?
Some of our non-resident loans can't be used for debt consolidation. Your broker can confirm what applies to you.
Which countries are accepted?
Our loans have their own lists of accepted countries, and they can change. Your broker will check your country before you apply.
An accredited broker can talk you through the expat and non-resident loans we can help with.
Talk to our team →
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General information only. It doesn't take into account your objectives, financial situation or needs, and it isn't credit, tax or legal advice. All loans are subject to lending criteria, and fees and charges apply. Kuone Pty Ltd T/As 360 MMS (ABN 81 621 683 672), Australian Credit Licence 504193.
360 MMS — Kuone Pty Ltd · ABN 81 621 683 672 · Australian Credit Licence 504193
360 Asset Finance & 360 SaaSFin — Kuone Consulting Pty Ltd · ABN 75 647 329 002 · Australian Credit Licence 566705
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