Foreign-Income & Non-Resident Loans
Loan guidance for Australian expatriates, temporary residents, non-residents and borrowers earning income outside Australia.
Foreign-income applications can be affected by currency, tax treatment, document standards, residency status and lender appetite. We identify the evidence and policy issues early, before a full application is lodged.
Who this may suit
- Australian citizens or permanent residents working overseas
- Temporary visa holders buying or refinancing in Australia
- Non-residents and overseas investors considering Australian property
- Families using a mix of Australian and overseas income
How we can assist
- Foreign-income policy and currency-acceptance review
- Document, translation and certification requirements
- Deposit, LVR and purchase-cost planning
- Coordination with FIRB, conveyancing and tax advisers where required
What we assess
- Citizenship, visa and current country of residence
- Income currency, employer, tax paid and payslip format
- Source of deposit and transfer of funds into Australia
- Foreign-buyer rules, surcharges and lender restrictions
Documents commonly required
- Passport, visa and residency evidence
- Overseas employment contract, payslips and bank statements
- Tax returns or tax certificates where applicable
- Certified translations for documents not issued in English
Start with the facts that shape lender policy
We normally begin with your objective, timing, income type, available contribution, current debts and the property or project. That is usually enough to identify the main policy questions before collecting detailed documents.
The information on this website is general in nature and does not take into account your objectives, financial situation or needs. It is not personal financial, tax, legal or credit advice. Please obtain appropriate professional advice before acting.
Request a preliminary assessment
Submit a short, non-sensitive enquiry so we can identify the main policy questions before detailed documents are requested.
