Home loans for expats
Designed for Aussies and Kiwis living abroad who want to buy or refinance in Australia.
Multi-award winning
Expat home loan
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Available for Australian or New Zealand citizens only
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Borrow up to 80% LVR at a discounted rate***
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Offset sub-account facility available at no additional cost
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No transaction fees for redraws
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No monthly or ongoing fees
Why our expat loan could be the right loan for you
Offset sub-account available
An offset sub-account with Visa debit card access is available at no added cost, so you can pay off your loan faster with less interest.
No monthly or ongoing fees
We don’t charge any monthly, annual or ongoing fees, so you can budget with confidence.
Unlimited free redraws
Looking to save with an offset, or make extra repayments with a redraw? We have a full range of loan features to suit your situation.
Quick and easy process
Apply online or you can arrange a chat with one of our Australian based home lending specialists for a quick decision and easy application.
Need to know more? Here's the whole offer
Repayment Type
Maximum LVR of 80%
Product | Interest rate from | Comparison rate |
---|---|---|
Expat Home Loan | 7.08% p.a.* | 7.12% p.a.* |
Maximum LVR of 80%
Product | Interest rate from | Comparison rate |
---|---|---|
Expat Home Loan | 7.28% p.a.* | 7.20% p.a.* |
20% deposit minimum | Yes |
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Up to 30 years loan term | Yes |
Available for refinance or purchase | Yes |
Unlimited additional repayments | Yes |
|
Yes |
Application fee | $0 |
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Ongoing fees | $0 |
Security assessment fee | $230 |
Government fees | At cost |
Settlement fee | $300 |
Get ahead with the right home loan
Real-life customer stories


Baburaj
Meet Baburaj, a customer of ours who has financed multiple investment properties with us over the years.
Baburaj has been building or buying and renovating investment properties for more than a decade.
I have been with loans.com.au for about five years. Over that period, I’ve had five or six loans. I like to stick with loans.com.au because they know my history.
Join our other customers
“What a joy to deal with Liam and Emira from Loans.com. I started applying for my car loan last Thursday and by Tuesday afternoon the car dealer was paid. Liam and Emira were absolutely brilliant, professional and very informative. My mortgage comes off fixed next June and I know where I will be moving to. Thank you for everything.„
“The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.„
“The fastest and easiest process I have ever had in regards to any finance. From first chat to settlement in 24 hours and constant communication the entire way! Trina is first class! Emira was SENSATIONAL! BEYOND RECOMMEND!„
“I have dealt with Jessica on a recent new home loan application and Jessica and the team was absolutely amazing to deal with. Super quick and kept with in the loop throughout the process. Second to none customer services!„
“The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.„
“I was referred to loans.com.au and now I see why, they have exceptional customer service! I feel so fortunate to have had Rena and Trina handle my application. They were both incredibly friendly, kind, and efficient when it came to processing and approving my application. They genuinely care about helping others and made the entire process smooth and enjoyable.„
“I was very impressed with loans.com.au pragmatic credit policies and the excellent service I received from Emira and Trina in applying for and settling my car loan. They also have 2 very user friendly apps to help with the process. Very easy to deal with, I would definitely recommend them to anybody wanting a stress free and smooth experience.„
“Had good experience with Jasmine and Tiffany who supported me along the way from getting a pre-approval quickly, through the purchase and to the settlement. Not to mention competitive rates and borrowing power they provide.„
“In all my dealings with loans over the years, Stuart is hands down one of the best I’ve ever come across. His professionalism, responsiveness, and genuine willingness to help sets a new standard. I would absolutely recommend loans.com.au—and especially Stuart—to anyone looking for a hassle-free and professional mortgage experience. If I could give 6 stars in this review I would.„
“I am tremendously satisfied with Sonia and Harriet’s assistance with my loan applications. Loans.com was recommended by a family friend and Sonia portrayed immense knowledge and professionalism when working with me to get the best financial outcome. Sonia has exceptional expertise in her subject matter and was incredibly responsive, and together the team made sure I was able to meet my deadline without any stress. Fantastic experience – will highly recommend Sonia and her team at Loans.com!„
“Had a great experience with loans.com.au. Was the best rate/lowest fees I could find and the service was faultless. I won't be going anywhere else for vehicle financing in the future.„
“I am with Loans.com.au since 2014 and I have got multiple loans from new purchases and refinance of IP to OO loans. They have been exceeding my expectation every time. I love to deal with them directly and their lending specialist and support staff are second to none compared to other banks including the big 4. Highly recommend!„
Our home loan application process
Apply Online
Complete your application through our online platform.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Speak to our Specialist
Our lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval.
Approval & Signing
Review and sign your mortgage documents and loan agreement via onTrack.
Settlement
Your loan settles, which means your funds will be ready.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Frequently asked questions
An expatriate customer is an Australian or New Zealand citizen who is living and working overseas.
At loans.com.au, we help people into their dream homes and cars.
To apply for the Expat Home Loan or any of our loans, visit: https://www.loans.com.au/apply or call 1300 572 814 and one of our lending specialists can help, or even complete the application for you.
You can get your dream home at a low rate because we don't have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.
There are a few documents you'll need to provide in your home loan application. Some of these include:
- 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)
You will need at least 20% deposit to be eligible.
The settlement process is different depending on each individual applicant's personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.
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We charge a $300 settlement fee plus a security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment is ordered.
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After settlement, you'll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.
We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!
For home loans, we'll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.
For car loans, we'll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.
Sarah
Lending Specialist
Real humans based in Brisbane, Australia
As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track.
Refer your friends or family to loans.com.au and earn big rewards!
When they settle a home loan with us, you'll both receive a $1,000 reward. Plus, if they choose a car loan, you'll get a $250 bonus, and they'll enjoy $150 off their settlement fee. It's our way of saying thanks for spreading the word!
Apply for expat loan pre-approval
We have a full range of non-resident loan features to suit your situation.
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