Home loans for expats
Designed for Aussies and Kiwis living abroad who want to buy or refinance in Australia.
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 choose our Expat Home Loan
Offset sub-account available
Flexible loan options
Unlimited free redraws
Quick & easy process
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 |
Baburaj
Customer reviews
Our Google Rating
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
You must be an Australian or New Zealand citizen who is a non-resident, currently living and working overseas.
You will need at least 20% deposit to be eligible.
For an extra 0.10%^ to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. For more information on our home loan with an offset sub-account: https://www.loans.com.au/home-loans/offset-account/
An offset sub-account is linked to your home loan and helps reduce the interest you pay. Instead of earning interest like a regular savings account, the balance in your offset reduces the portion of your loan that accrues interest. This can help you pay off your loan faster and save on interest costs.
Key things to know:
- It's a sub-account of your loan, not a separate deposit account.
- Funds in the offset sub-account are not covered by the government deposit guarantee.
- The offset cannot exceed your home loan balance.
If you have any questions, our friendly team is here to help!
We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.
We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible.
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!
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