Non-Resident Loan
Find out mortgage lender criteria when you are eligible visa holder, expat or non-resident.

Non-PR/Citizen with visa granted are eligible working in Australia

Popular visa subclass: Spouse 820, Business 188, Graduate 485 etc. 

Require over 12 months remaining visa term

Purchase requires FIRB

More lenders are willing to accept when jointly borrow with PR/Citizen who could be the main income earner

LVR up to 90% depends on different visa type

Offset account applicable

PR/Citizen working overseas earning foreign currency

Check acceptable visa list for PR visa holders

Check acceptable currency list

Citizen requires work permit in foreign country  

LVR up to 80% depends on overall conditions

Offset account applicable

Non-PR/Citizen live and work overseas 

Purchase or Refinance

LVR up to 80%

Lower the LVR, lower the interest rate to pay 

PAYG or Self-employee

Loan term up to 30 years

P&I or I/O repayment

Variable or Fixed rate

Require Foreign Credit Report

Offset account applicable