Frequently Asked Questions

Yes — though the lender options are narrower than for residents. The variables that decide it are your residency type (citizen, PR, temporary), your income currency, your employer type (PAYG vs self-employed), and whether you'll owner-occupy or invest. We know which lenders work for each combination right now.

It depends entirely on the lender. Some apply a haircut (commonly 20%), some require specific currencies, some simply want to see regular transfers to an Australian account. Because each treats it differently, the right lender choice can change your borrowing capacity substantially — which is the whole point of matching you carefully.

Non-resident lending is generally capped around 80% LVR, with some lenders going to 90% in specific circumstances — and it's postcode-dependent. Higher-risk postcodes can reduce the cap. We confirm the achievable LVR for your exact property and profile before you make an offer.

Usually not. Most documents can be signed overseas before an Australian consul or notary, or via certified digital means. Some lenders still want originals couriered — we tell you precisely what yours requires.

Because the answer changes constantly. Banks revise their expat appetite with regulation, rate cycles and their own capital position. Staying current on who's open, on what terms, for which currency and visa — that's the work. It's exactly what we track, and why clients who could arrange their own finance still come to us.

If you are an Australian citizen or permanent resident, you do NOT need Foreign Investment Review Board (FIRB) approval, even if you are living overseas. If you are buying with a foreign spouse, you may need FIRB approval unless you buy jointly as joint tenants. We structure applications to comply with these rules.