Buy, refinance or invest in Australian property while living overseas. Use eligible foreign income to borrow up to 80% LVR with flexible loan options for expat borrowers.
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An expat home loan is a type of foreign income loan designed for Australians, New Zealand citizens, and permanent residents who live or work overseas and wish to buy, refinance, or invest in Australian property. Securing a mortgage from overseas can involve additional complexity, particularly around foreign income verification, currency conversion, and documentation requirements.
Yard’s expat home loans cater to both salaried and self-employed expats, offering flexible assessment options for a wide range of overseas income streams. Unlike a standard home loan, an expat mortgage allows income earned abroad to be assessed using verified international documentation such as bank statements, payslips, or accountant letters.
Yard’s expat home loans allow Australians, New Zealand citizens, and permanent residents living abroad to keep building wealth through Australian property. You may be eligible if you are:
Documentation requirements vary depending on your employment type. Any documents not in English must be translated by a NAATI-certified translator. Here is a handy checklist to help you prepare.
ID documents: Passport, visa grant, one extra photo ID, and a personal credit report.
For salaried expats: Employment letter/contract, 3 months of payslips and bank statements showing salary.
For self-employed expats: 6 months of income statements, 2 years of tax documents, and evidence you own the business.
Supporting documents: Contract of sale and evidence of deposit for property purchases, home loan statements for loan refinance, etc.
Our team will provide tailored guidance on the documents required for your circumstances and support you through each step of the process.
Flexible solutions to help with your owner-occupied or investment property purchase.
Refinance an existing mortgage to access new features, competitive rates, or restructure an existing loan facility.
Release equity from your Australian property to do renovations, purchase another property or for business purposes.
Combine existing debts such as personal loans, business borrowings, or other credit facilities into one repayment.
We can help you purchase, refinance, consolidate debts, or release equity/get cash out from your property.
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We understand how expat income works and offer flexible documentation options for self-employed borrowers including financial statements and accountant letters.
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Yard specialises in lending for Australian expats and understands international income and documentation. Our team can help you identify the most suitable solution for your circumstances.
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We assess every application individually, considering your unique circumstances on a case-by-case basis with no automatic credit scoring.
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Like any mortgage for expats, there are benefits and considerations to keep in mind before applying for an expat home loan in Australia.
Pros
Expats can buy or invest in Australian property while living overseas, helping you build your portfolio from abroad.
Securing a property while overseas allows you to enter the market sooner and support long term plans to return.
You can use your Australian property to release equity, access cash out or consolidate debt, giving you funds to support your goals overseas.
Cons
Foreign income verification and currency conversion can add complexity to the application process.
Interest rates may be higher than standard Australian home loans.
Additional documents may be required, including overseas credit reports and translated materials.
Apply online with our easy online home loan application. A dedicated Loan Consultant will give you a call to discuss your home loan requirements and help find the best solution for you.
We verify your information by receiving some supporting documentation.
Our credit team reviews your information and makes an assessment on your application.
Our solicitors send you the loan contract via email. When it is time for settlement, our solicitors will work with your solicitor (for a purchase) or current lender (for a refinance) to settle your expat home loan!
An expat home loan is a mortgage designed for Australians, New Zealand citizens, and permanent residents living overseas who want to buy, refinance, or release equity from property in Australia. It is tailored for borrowers earning foreign income, whether through salaried employment or self-employment abroad.
Foreign income is generally converted into Australian dollars using current exchange rates. Lenders assess the income using documentation such as payslips, accountant statements, or bank statements.
To be eligible for an expat home loan in Australia, you generally need to be an Australian citizen, New Zealand citizen, or an approved visa holder earning income overseas. All supporting documents must be provided in English or translated by a NAATI-certified translator. Lenders will also assess your overall financial position including your income, expenses, assets, liabilities, credit history, and ability to service the loan before approval.
Applicants are typically required to provide passports, visas, income documentation (salaried or self-employed), bank statements, and an overseas credit report. Additional documents may be requested based on your employment type.
Applications can be more complex due to foreign income, currency conversion, and documentation requirements. Working with an experienced expat mortgage lender like Yard can help ensure these requirements are met smoothly.
The currency accepted is generally tied to the country where the income is earned, and some lenders may restrict income from higher-risk or less stable jurisdictions. It is best to confirm the eligible countries and currencies with the lender before applying.
New loan inquiries: hello@yard.com.au
Service requests: help@yard.com.au
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