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 -
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 | 6.83% p.a.* | 6.87% p.a.* |
Maximum LVR of 80%
| Product | Interest rate from | Comparison rate |
|---|---|---|
| Expat Home Loan | 7.03% p.a.* | 6.95% p.a.* |
| 20% deposit minimum | Yes |
|---|---|
| Up to 30 years loan term | Yes |
| Available for refinance or purchase | Yes |
| Unlimited additional repayments | Yes |
|
Yes |
| Application fee | $0 |
|---|---|
| Ongoing fees | $0 |
| Security assessment fee | $230 |
| Government fees | At cost |
| Settlement fee | $300 |
Real-life customer stories
baburaj
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.
Frequently asked questions
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!
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