Specialist Finance

Finance that travels with you. If you’re an Australian living abroad, on a temporary visa, or a New Zealand citizen, you may still be eligible for competitive home loans. We’ll help you navigate your options with clarity and confidence.

Who Can Apply:

• Australian Expats living overseas

• Temporary Residents on valid visas (e.g. 457, 482, 491, 500 etc.)

• New Zealand Citizens, whether based in Australia or overseas

Key Features:

• Competitive interest rates

• Loan-to-value ratios (LVRs) of up to 95% for eligible expats/NZ citizens

• Overseas income accepted (subject to currency adjustments)

• No broker fees—lender commissions only

What You’ll Need:

• Valid passport and visa

• Income documents (e.g. payslips, tax returns)

• Bank statements (AUS + overseas)

• Credit report from your home country

• Property details (if applicable)

Additional Considerations:

• FIRB approval requirements vary by residency type

• Stamp duty surcharges may apply in some states

Let’s Talk About Your Eligibility →

Investing from abroad? We’ll guide you through it. If you’re a non-resident or foreign national looking to purchase property in Australia, lending options are more limited—but not impossible. We work with specialist lenders who understand your needs.

Who Can Apply:

• Foreign nationals without Australian citizenship or PR

• Non-residents living overseas

Key Features:

• Interest rates typically 0.5–1% higher than standard loans

• Max LVR generally 60–70% (30–40% deposit required)

• Income discounted for currency risk

• Limited lender pool—mostly non-bank providers

What You’ll Need:

• Valid passport

• Proof of residency status in home country

• Income and bank statements

• Property documentation

• FIRB approval (usually required)

Important Notes:

• Stamp duty surcharges and FIRB fees apply

• Rental income is taxable under Australian law

Tips for Success:

• Prepare documents early

• Understand your state’s FIRB/stamp duty rules

• Speak to a broker experienced in non-resident loans

Get in touch today for expert, no-pressure guidance →

Finance without the paperwork headache.

If you’re self-employed, run a small business, or earn income that’s not easy to verify through traditional means, standard lenders may overlook your true financial picture. That’s where we come in.

We work with lenders who accept alternative documentation — like BAS statements, business account summaries, or accountant letters — to assess your real financial strength, not just your tax returns.

Common solutions include:

• Home loans for self-employed borrowers without full tax returns
• Refinancing or equity release for business owners
• Purchase loans using alt-doc income verification
• Flexible options with or without lender’s mortgage insurance (LMI)

Flexible finance for later-life goals. Whether you’re downsizing, refinancing, or accessing equity, we help Australians aged 55+ find lending options that suit retirement income and lifestyle.

Who It’s For:

• Homeowners aged 55+ looking to refinance or downsize

• Retirees needing flexible, low-pressure lending

Key Features:

• Loan options tailored to pension or super income

• Equity release without needing to sell

• Interest-only or principal + interest structures

• No employment income required

• Downsizing-friendly finance

Common Uses:

• Buying a new home or investment

• Renovating or modifying a current home

• Helping family or supporting retirement plans

• Consolidating existing debts

Things to Consider:

• Some products (e.g. reverse mortgages) have specific eligibility rules

• Long-term financial position impacts loan approval

• Professional advice is essential when accessing equity

How We Help:

• Assess your needs and compare loan options

• Connect you with over-55-friendly lenders

• Explain costs and repayment strategies

• Manage all paperwork for a smooth process

Let’s talk – contact us for personalised, no-pressure guidance →