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Australian Expat Home Loan

As an Australian expat, finding the right Australian home loan can be a daunting task. But don’t worry, we’re here to help you understand the process and find the best solution for your unique needs.

Top 4 Reasons Why Australian Expats Might Need Home Loans

Purchasing a Home

Whether you’re looking to upgrade your living situation or invest in property, Australian expats often need home loans in order to buy a home.


If you already own property in Australia, you might need to refinance your Australian expat home loan at some point. This can be a complicated process for expats.

Investment properties

Real estate can be a lucrative investment, but financing the purchase of an investment property as an expat can be challenging.


Whether it’s adding a new wing to your family home or making some updates to improve its value, expats often need to finance renovations.

Challenges for Australian Expats Applying for a Home Loan

Foreign Currency

When applying for an Australian Expat home loan as an expat, one of the biggest challenges is dealing with foreign currency and exchange rates. This can make the application process more complex and can result in higher fees and rates.

Proof of Income

Expats often have less traditional forms of income, such as investments or rental property. This can make it difficult to provide proof of income, which is required for most mortgages.

Residency Status

Your residency status as an expat can impact your ability to get a home loan in Australia. Some lenders require you to be a permanent resident in order to qualify for certain types of home loans.

Things to Consider When Applying for an Australian Expat Home Loan

How to Apply for an Australian Expat Home Loan

Applying for an expat home loan in Australia can be confusing, but we can help you simplify the process. Here are a few key steps:

1️⃣ Get all of your documents in order

You'll need to provide a lot of documentation, so it's essential to have everything ready before you begin.

2️⃣ Find a reputable broker

A broker can help guide you through the application process and find a mortgage that meets your needs.

3️⃣ Compare your options

There are many home loan options available for expats in Australia, so take the time to compare them carefully.

4️⃣ Apply for your chosen home loan

Once you've chosen a mortgage product, it's time to apply and provide all of the required documentation.

FAQs About Australian Expat Home Loans

What is the minimum deposit required for an expat home loan?

The deposit required will depend on your individual circumstances, but you’ll typically need to provide a larger deposit than a domestic borrower.

What fees are associated with Australian expat home loans?

There may be additional fees, such as foreign exchange fees, associated with expat mortgages. It’s important to understand these fees before you apply.

What documentation will I need to provide?

You’ll need to provide documents that demonstrate your income, residency status, and other financial information in order to apply for an Australian Expat Home Loan.

Odin Mortgage are the #1 Australian Expat Home Loan Brokers

Ready to take the first step toward your dream home in Australia? Our team of expat home loan specialists are ready to assess your situation and help you find the home loans available to you as an Australian expat.
Our knowledge of Australian expat home loans, and network of expat-friendly lenders helps us find you the best deal even when others have said no.
Proving foreign incomes can be tricky but as Australian expat home loan specialists, we know exactly how to maximise the strengths of your application allowing you to borrow more & purchase your dream property.
Whether you are looking to buy a home for your return, invest in property, or free up equity in existing properties, we are ready to help you achieve your financial goals.
Over the last 2 years, Odin Mortgage has helped over 5000 expats all over the world with their Australian expat home loan and refinance applications.