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expat lending specialist.
Discover what's possible with an Expat Lending specialist.
It’s a common misconception that it’s impossible for expats to borrow money to invest in property in Australia. Our expat lending specialist can assist you in overcoming the difficulties of investing in real estate while residing abroad. We can give you access to our exclusive panel of lenders that offer finance to Australians living overseas and help you to own your own piece of Australia. Whether you are looking to secure a family home for when you return home or if you are just looking for an investment, our expat lending specialist can help.
Why use an expat lending specialist?
Only a limited number of banks offer lending options for Australians living overseas to purchase property in Australia. Our expat lending specialist will assist you in avoiding the frustration of navigating local banks and will clearly outline your options.
Key benefits & advantages
- Access to our exclusive lending panel offering borrowing options for Australian expats.
- Remove the guesswork and gain a clear understanding of your options to own property in Australia.
- Navigate the rules around foreign ownership and what’s possible if your partner or spouse has a foreign passport.
Expat Lending FAQ's
What are your borrowing options as an expat living overseas?
If you’re an expatriate residing abroad and considering investing in property in Australia, it’s essential to consult an expat lending specialist. Navigating the various rules and regulations concerning foreign investment and property ownership in Australia can be challenging from overseas. A specialist in expat lending can assist you in overcoming these obstacles and offer access to our exclusive panel of lenders that provide borrowing options to Australians living overseas.
How do banks assess borrowing power when it comes to expats?
When assessing foreign earnings, banks take into account exchange rate risk, usually factoring in only 50-80% of income that is in foreign currencies. Another common issue is the calculation of household expenses. Many expats have a considerable part of their living expenses subsidised by their employers while living overseas. Nevertheless, banks often utilise the minimum household expenditure measure (HEM) to evaluate borrowing capacity. Consequently, it is crucial to consult with an expat lending expert for assistance.
What if your partner isn't from Australia?
When contemplating borrowing money to invest in Australian real estate, it’s important to be aware of the regulations governing foreign investment. You need to consider title ownership and the implications of pursuing joint ownership in any property acquisition. Foreign residents (as opposed to expatriates) who wish to buy property must take into account various factors, such as foreign purchaser’s duty, land tax surcharges, and the requirement for FIRM approval. These elements can add extra costs and complexities to the purchasing process.
How can a Buyer's Agent help expats find the right property?
A Buyer’s Agent can be a game-changer for experts looking to buy property in Australia. They bring deep local knowledge and a strong understanding of the market, helping you find areas with good growth potential and properties that match your goals. From property inspections to thorough research, they handle all the groundwork, so you can make confident choices even from afar. Plus, they negotiate on your behalf to get the best price, making the whole process easier, faster, stress-free, no matter where you are based.
Alfred Moller
Head of Residential Expat Lending – Asia Pacific
Talk to an expat lending specialist who undertands your needs.
Avenyou can help you navigate the challenges of buying property as an expat living overseas. Request a call-back today.