16+ years in business
5 billion+ loans settled
Fast & confidential loan processHow does Home Loan Experts stand out
We get tough loans approved
Fast approval, easy process
We aren’t owned by banks
Free upfront valuations
Brokers you can trust
The best post-settlement service
Qualifying for a home loan as an expat
-
Borrow 90-95% of the property value:
You’ll need to be an Australian citizen in a good asset position, including a high income and stable employment.
-
Foreign citizen investors:
You’ll need to be an Australian citizen in a good asset position, including a high income and stable employment.
-
Payslips or tax returns to prove foreign income:
If your payslips or foreign tax returns aren’t in English, most lenders have specialist non-resident departments with staff that understand most common languages so it’s not normally an issue.
-
Letter from your employer:
This can be accepted in lieu of payslips or tax returns if you’re borrowing no more than 80% of the property value.
How we accompany you on your journey
-
Preparing your mortgage application
Because we know what lenders are looking for from you.
-
From pre-approval to settlement
From helping you get a pre-approval, to helping you with property valuation and getting your loan settled, we are there every step of the way.
-
After settlement
From helping you get a pre-approval, to helping you with property valuation and getting your loan settled, we are there every step of the way.
Real queries on Expat loans
Interest rates right now are probably as low as they will be for a long time. Also, with property values growing much more slowly now and some prices even declining, this is the best time to be looking for a property in Australia. We can also help you get a fixed-term loan to save you from rate fluctuations.
Yes, you can. But most lenders require you to work for at least a year in your new job. There are some lenders that will consider 3-6 months, depending on your employment type. Talk to one of our mortgage brokers, who can assess your situation
Yes, she can. If it’s about adding your wife to the existing property title, then best to contact your solicitor. If it’s for a new property, it will depend on her residency status. To learn more, fill out our enquiry form for a free assessment.
The fastest we’ve helped settle a home loan is 2 weeks, so a 5-month timeline is not the biggest hurdle. However, your best possible home loan also depends on your property purchase price, savings, etc. If you have a job lined up in Australia is another question. Help us with these information so we can find the ideal home loan for you.
Don’t believe us, hear from our customers
Easy to work with, fast and professional. First time I had looked at finance as an expat, non resident. The team made the process easy.
Very happy with the service and support as we went throught the process, as an expat i can reccommend HLE for those looking to purchase a home- would use again.
Received excellent advice from Daniel Ho today on eligibility and the process involved in setting up an expat home loan. Essential feedback was provided in an accessible, friendly and timely manner. I look forward to dealing with Daniel in the near future.
4.8 out of 1298 reviews
4.5 out of 198 reviews
4.7 out of 674 reviews
