Hassle Free Expat & Non-Resident Mortgages,
At Home And Overseas

When you're at a distance, we'll go the distance to secure you the home loan you deserve.

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    The Best Expat & Non-Resident Mortgage Broker in Australia

    You never know where life can take you. Just because you are now living and working overseas doesn’t mean you are excluded from purchasing and investing in property in your home country of Australia and Ammolite Finance is here to assist you.
    Even if you are a purely Non-Resident of Australia, we can assist you in securing your ideal investment property in cities all over Australia. Our expert team can work remotely with you through online social platforms to guide you through this process and ensure you get the loan approval you are looking for.

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    Lost in translation? We can help

    Investing in property whilst living abroad is a big decision, one that comes with a lot of logistics and lingo. Our Melbourne mortgage brokers will help you navigate the rules, regulations, and restrictions to deliver an expat mortgage solution that is tailored to you. Not sure if you qualify for expat lending? Let’s find out.

    No matter where you are, we’re there for you

    From executives in Singapore to engineers in England, we’ve helped countless Aussie expats like you realise their financial goals. Whether you’re an Australian citizen, permanent resident, or in the country on a 457 visa, our expat lending experts take the time to get to know you—in-person or over Skype.
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    We worry about details so you don’t have to

    Mortgage lending policies are always changing, which can make securing expat mortgages all the more challenging. To help you out, we will connect you with our team of hard-earned industry expert connections, including property advocates, financial planners, and pre-purchase inspectors. Why? Because we believe in relationships, not transactions.

    Frequently Asked Questions

    1
    Who is eligible for an Australian Expat Mortgage?
    Most lenders and banks prefer that your are an Australian Citizen or permanent resident visa holder there are a few lenders who will consider your application if you are a foreign applicant with neither of the above two variables but the rates charged will be considerably higher.
    2
    Can Australian expats apply for a home loan in Australia?
    Yes – most of the majors are well setup to accommodate with your proposed mortgage application while you are living and working abroad. Sometimes this can be a timing issue and we help many Aussie expats who are living overseas and who are looking to buy a family home or investment before they return home.
    3
    Who are the lenders that accept foreign income?
    The list of lenders who will accept foreign income changes from time to time but its safe to say that this list is pretty extensive. What can narrow down the list is what currency your foreign income is earned in, how your remuneration payment is structured (most lenders won’t accept self employed expats but there are still some options) and how much lending you are seeking.
    4
    Can I get pre-approval for an Australian Expat Mortgage?
    Yes – being pre approved will greatly reduce the chances of any last minute surprises. We always highly recommend Australian Expat borrowers secure a properly structured pre approval before making the commitment to purchase a property in Australia. It is also very important that any short listed property is run past your broker or lender before you purchase even if you are pre approved because these can be restrictions on postcodes, maximum loan sizes and LVR’s (loan to valuation ratios) when you are an expat borrower even if you have pre approval.
    5
    What types of properties can I purchase with an Australian Expat Mortgage?
    There are generally not too many restrictions on the type of property you can buy as an expat borrower. Properties that lenders are prepared to lend against are usually on restricted if the property has some commercial variables to it, is in a non acceptable postcode location, is too small in size or has some other out of the ordinary variable to it. If in doubt ask us for a quick sense check to ensure your don’t risk your hard earned deposit.
    6
    What support does Axton Finance offer to Australian expats looking for a home loan?
    Borrowing money when abroad is never as straight forward as being a domestic borrower but with years of experience in helping expat borrowers we have built streamlined process that help you get approved sooner as with less stress. Just some of the benefits include automatic online booking platforms auto adjusted to both our time zone availabilities, on demand video recorded summaries of recommended options and structures for time poor professionals and smart secure two way client fact find processes and data gathering that enable both new and existing clients to move their applications forward quickly and with a minimum of fuss. Above all you have a dedicated and highly experienced broker looking after your file. No newbie graduate recruits will be telling you how to setup your investment lending portfolio!