Specialist mortgage broker for Australian expats

If you are an Australian citizen who lives and works overseas and you are looking to purchase or refinance property in Australia, we are the mortgage broker who specialises in virtual home loan applications. (Non-Australians please click here) We help Aussies living offshore compare loans and find the best home loan deal and then assist you through the home loan application process. We have arranged home loans for Australian expats living all over the world click here to find out more about us .

The Australian economy is strong in comparison to most of the world. While recent government reports suggest that housing supply shortfall means rental returns are almost certain to increase. Meanwhile new job ads are also growing strongly and should reflect a steady unemployment rate of well under 6%. The result is strong economy with good demand for housing both owner occupied and rental property.

Lending policy is tight in some areas with higher reference interest rates used to calculate serviceability. However there is indications that lending ratios (LVR) are creeping back to normal and despite what you are may be told, we can still arrange good competitive home loans for investment or home buyers for Australians expats at up to 90% LVR (loan to valuation ratio) with LMI (lenders mortgage insurance) available, including full featured home loans eg: 100% offset accounts and loans for investors with no interest rate loading. Home loan interest rates are around 6.50% variable for AUD. So if you are an Australian expat and your miles from home, in today's world of Skype, email and fax we are 'virtually' next door. Whether you are a first home buyer or you want to refinance your investment property portfolio, if you are an Aussie expat we can assist you through the entire home loan application or property refinance process.

If you are returning to Australia and as a result will be looking to purchase an owner occupied property. The Federal Government's First Home Buyers Grant is still available with $7,000 cash on all first home purchases. These grants are being topped up by some State Governments, meaning additional deposit that you can use. Many State Governments are also providing stamp duty reductions or waivers to first home buyers - these offers can mean very substantial savings. If you have already returned to Australia then you should speak to our domestic arm, that's right we also operate as an MFAA approved mortgage broker for Australian residents looking to purchase or refinance..

If you are planning to return to Australia there are some very important lender's policy guidelines that you really need to take into consideration, we are happy to go over these in detail. however for example if your spouse isn't an Aussie citizen your borrowing capacity may be limited to 80% with many lenders. Did you know that there are two kinds of spousal visa and one isn't a permanent visa or did you know that a permanent visa may only be valid in policy terms when the visa holder actually resides in Australia. There are countless variations on policy including restrictions on high-rise, post codes, employment history, credit inquiries, zoning, CBD, land title etc. That's why you need a professional mortgage broker because we do nothing but home loans day in and day out and we can guide you through this complex process.

We arrange Australian home mortgage finance for Aussie expats living in the UK, Ireland, USA, Europe, Middle East, China, Canada, Korea, New Zealand, Japan and South East Asia. We can assist you with home loans for investment or owner occupied including First Home Owner Grant (FHOG) applicants and despite the fact that you are living and working overseas we can get more than the normal 80% LVR loans at the same interest rates as you would get if you were living in Australia.

Why not complete the quick inquiry on the right. If you would prefer to fill in an application click here, or you can phone Australia 61 2 6626 6810 or London +44 20 3287 8105 (Australian time zone) or email: