Ex-Pat Home Loan
Searching for an affordable non-resident home loan?
Searching for an affordable non-resident home loan?
If you are an expatriate non-resident investor looking to purchase or refinance, why not take advantage of our 7.58% variable rate? Borrow up to $1.5M to a maximum LVR of 80%.
Our Ex-Pat Home Loan is available with a variable interest rate to investors for purchase or refinance with both Principal & Interest and Interest-Only repayments. It includes unlimited free additional repayments and 100% offset sub-account with unlimited, free withdrawals.
Enjoy no application fees, no monthly fees and no annual fees.
Get started
Apply online today. Or, one of our friendly lending specialists can do the hard work for you and manage your paperwork over the phone.
Either way, we can settle your loan quickly so you can start saving thousands sooner.
Ex-Pat Home Loan Rate
Ex-Pat Home Loan Rates
Ex-Pat Home Loan*
Up to 80%
7.58%
7.60% comp rate*
7.78%
7.80% comp rate*
Ex-Pat Home Loan
Principal & Interest
Variable rate p.a.
Comp rate p.a.*
Interest Only
Variable rate p.a.
Comp rate p.a.*
Want to see more home loan options? Compare our home loans
Want to see more home loan options? Compare our home loans
Digital wallets
Add your card to your digital wallet to make contactless payments on your devices.
Pay in store using your iPhone, Apple Watch, iPad and Mac devices. Apple Pay is also the safer and faster way to pay on participating websites and in selected apps because you no longer have to create an account or fill out lengthy forms.
Pay online, in stores, and more using your Google devices, and manage your account wherever you want – on the web or in the app.
Top reasons to choose this loan
Offset sub-account available
An offset sub-account with Visa debit card access to your loan is available for you at no added cost to help you pay it off faster and with less interest.
No monthly or ongoing fees
Having zero recurring fees means you save thousands over the course of your loan.
Unlimited free
redraws
Reduce your loan term, whilst still having access to your savings.
$0
Application fee
As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.
$0
Monthly fees
In addition to our great low rates, we don’t charge you any ongoing fees.
$0
Annual fees
We won’t even sting you with an annual fee!
Home loan repayment calculator
Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).
Your estimated repayments are
Get a loans.com.au super low rate you’ll be celebrating for years!
Our home loan application process
Apply online
Simply fill out your application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.
Goodbye paperwork
After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.
Settle & save
Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!
Frequently asked questions
At loans.com.au, we help people into their dream homes and cars.
- Two (2) most recent consecutive payslips for each applicant
- Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
- Evidence of Salary Sacrifice or Packaging (if applicable)
- Evidence of Company Vehicle/Car Allowance (if applicable)
- Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)
If you have income paid to more than one account you'll need statements for all those accounts. Alternatively, you could provide your most recent Tax Assessment Notice and a letter from your employer that confirms your salary.
If you're self-employed, the paperwork will be slightly different. When you refinance a loan, you'll need to provide evidence of your ability to make repayments, so your lender will request two years of business and personal tax returns and ATO assessments.
To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.
Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.
You can refer as many people as you like!
At loans.com.au, we help people into their dream homes and cars.
For the last 10 years, thousands of Aussies have trusted our experienced & locally based team with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.
Our customers trust us to support them with low home loan and car loan rates, approved quickly through our easy-to-use online app.
loans.com.au is completely safe and financially backed by Firstmac, Australia’s 12th largest lender. Firstmac has been operating successfully for more than 40 years, and has $16 billion in mortgages under management, as Australia’s leading non-bank lender.
We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.
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