We’re mortgage brokers who specialise in helping people overseas to buy property in Australia.
Here are a few reasons why you should use our services:
Having an expert mortgage broker in Australia can make all the difference!
From 1 April 2025 to 31 March 2027, the Australian Government has introduced new rules that restrict foreign persons (including temporary residents and foreign-owned companies) from purchasing established dwellings.
Certain pathways remain open, including newly built or off-the-plan properties, some redevelopment opportunities, and PALM-scheme housing. A policy review is scheduled before March 2027. All purchases remain subject to FIRB approval and state requirements.
While foreign buyers are restricted from purchasing established homes until March 2027, there are still property types you can legally purchase. These options focus on supporting new housing supply and specific development pathways.
New or near-new / off-the-plan property
Vacant residential land (with development timeframes)
Certain redevelopment scenarios
PALM-scheme housing (specific employer use)
Many lenders accept income in widely-traded currencies (e.g. USD, GBP, EUR, SGD, CAD, AED, HKD, JPY, CHF, NZD). Some will consider other currencies with tighter settings (lower LVRs, more conservative conversions). Policies change—fast.
Income shading: lenders may use 60–90% of overseas income to allow for FX risk.
FX rates: banks often apply a conservative internal rate, not the live market rate.
Evidence: payslips/tax returns (English or translated), employment letter, and 3+ months bank statements showing salary credits.
Partner/Spouse visa applicants buying with an Aussie citizen/PR may access mainstream lending with the right documentation and relationship evidence.
In mixed-citizenship applications, some lenders ignore a non-resident partner’s income or require extra deposit; structuring can help.
For stamp-duty surcharges, check your State Revenue Office—rules differ by state, especially if one partner is foreign.
We can help you structure joint applications the right way.
Expats commonly need 10% deposit plus costs (stamp duty, legals, FIRB if relevant, LMI if applicable).
Equity in an existing Australian property can be used.
Guarantor options may reduce cash deposit needs (subject to policy).
(Exact LVRs depend on visa/citizenship, income currency and lender appetite.)
Call us today to get a purchase-costs estimate for your state, at zero cost to you.
Most non-residents need FIRB approval; fees and state surcharges may apply. The ban on established homes is in force until 31 March 2027, but new/off-the-plan and vacant land pathways remain (with conditions). Compliance on development timelines is tighter and “land-banking” is under scrutiny.
Want to check if your intended property type is eligible before you sign? Get in touch.
Our service is end-to-end, zero cost and always seamless.
Policy fit first: we shortlist lenders that accept your currency/visa and match your timeline.
Packaging that works: present your case clearly to maximise borrowing capacity.
End-to-end support: pre-approval, FIRB guidance for foreign buyers, embassy/POA steps, and settlement while you’re overseas.
Ongoing check-ins: we’ll review your rate and structure over time.
Not automatically. Pricing depends on lender and strength of your file. A strong package (stable income, clear docs, lower LVR) can secure mainstream discounts.
Fewer lenders, heavier documentation (2 years business & personal tax returns, 6 months business statements, accountant letter). LVRs can be tighter.
It’s possible. Each currency is assessed separately using the lender’s FX and shading rules. Policy varies by bank.
Australian citizens don’t need FIRB to buy residential property. Foreign citizens generally do. If you’re buying with a foreign partner, seek advice on title/structure and state surcharges. (Rules differ by state and personal status.)
