Expat Lending

Expert Expat Lending Solutions - Navigate International Finance with Australia's Leading Mortgage Broker

Rated 5 from 479 Reviews

Expat Lending Solutions Tailored for Australian Citizens Living Abroad

Living abroad as an Australian expat presents unique challenges when securing finance for property purchases back home or in your current country of residence. AXTON Finance understands the complexities of expat lending and provides specialised mortgage solutions designed specifically for Australian citizens and permanent residents working overseas. Whether you're an expat living in Australia temporarily or an overseas-based borrower looking to invest in Australian property, our experienced team can help you access some of the best interest rates available through our extensive network of lenders. As the best mortgage broker for expat finance solutions, we simplify the complex application process and navigate the rules, regulations, and restrictions that often confuse traditional lending scenarios.

Our comprehensive expat lending services cover every aspect of your property finance journey, from buying your first home to purchasing your dream home, building a house, or investing in property across Australia's diverse markets. AXTON Finance works closely with banks and lenders across Australia who understand the unique financial situations of expatriates, ensuring you receive tailored loan options that match your specific circumstances. Whether you're considering refinancing an existing property, renegotiating better rates with your current lender, or accessing equity for investment purposes, our expat mortgage advisor team provides expert guidance throughout the entire process. We specialise in buy-to-let investments for expats, helping you build wealth through Australian property while living abroad.

The expat lending landscape involves numerous factors that differ significantly from standard home loans, including varying credit history requirements, loan to value ratio considerations, and lenders mortgage insurance arrangements. AXTON Finance excels at evaluating your financial situation holistically, considering your overseas income, local property market conditions, and borrowing capacity to secure optimal loan amounts and interest rate discounts. Our streamlined application process eliminates much of the paperwork confusion typically associated with expat mortgages, while our expertise in dealing with international bank statements and documentation ensures your loan application progresses smoothly. We help you understand the implications of stamp duty, calculate loan repayments accurately, and explore both variable interest rate and fixed interest rate options.

As experienced finance and mortgage brokers, AXTON Finance provides invaluable expat mortgage advice that extends beyond simply securing a loan. We assist with loan pre-approval processes, helping you understand your home equity position and investment loan opportunities within Australia's dynamic property markets. Our team stays current with changing lending criteria, interest rate movements, and regulatory requirements that specifically impact expat borrowers, ensuring you receive the most up-to-date and relevant financial guidance. Whether you're seeking variable loan rates for flexibility or fixed interest rate loans for certainty, we present comprehensive comparisons that enable informed decision-making for your property investment strategy.

Choosing AXTON Finance as your expat finance and mortgage broker means partnering with professionals who genuinely understand the challenges of securing property finance while living overseas. Our commitment to providing exceptional service extends from initial consultation through loan settlement and beyond, with ongoing support for refinancing opportunities and portfolio growth strategies. We recognise that every expat's situation is unique, which is why our personalised approach ensures your specific needs are addressed comprehensively. Contact AXTON Finance today to discover how our specialised expat lending solutions can help you achieve your Australian property goals, regardless of where in the world you currently call home.

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Common Questions About Expat Lending

Can I get an expat loan if I've been living overseas for several years?

Yes, expat lending is specifically designed for Australian citizens and permanent residents who have been working overseas for extended periods. AXTON Finance works with lenders who understand that expats often have established careers and stable incomes abroad, making them suitable candidates for Australian property finance. The key factors include demonstrating consistent overseas income, maintaining good credit history, and meeting the lender's specific expat lending criteria. Each situation is unique, so we recommend booking a free consultation with our expat mortgage advisor team to assess your individual circumstances and explore available loan options.

What interest rates can I expect with expat mortgage solutions?

Expat lending interest rates vary depending on several factors including your loan to value ratio, credit history, employment stability, and the specific lender's criteria. While expat loans may sometimes carry slightly higher rates than standard domestic mortgages, AXTON Finance has access to competitive rates through our network of specialist lenders. Some lenders offer interest rate discounts for expats with strong financial profiles, and we work to secure the best possible terms for your situation. To understand what rates you might access, we encourage you to speak with our team who can provide personalised quotes based on your specific financial circumstances.

How does the application process work for overseas-based borrowers?

The expat lending application process involves additional documentation compared to standard home loans, but AXTON Finance has streamlined this to make it as straightforward as possible. You'll typically need to provide overseas bank statements, employment contracts, tax returns from your country of residence, and proof of Australian citizenship or permanent residency. We guide you through each step, helping you gather the required documentation and liaising directly with lenders on your behalf. Our experience with international documentation requirements means we can often identify potential issues early and address them proactively, making your loan application process smoother.

Can I use expat lending for investment properties and buy-to-let purchases?

Absolutely, expat lending covers both owner-occupied properties and investment purchases, including buy-to-let opportunities across Australia. Many expats use property investment as a way to maintain ties with Australia while building wealth for their eventual return. AXTON Finance can help you evaluate investment loan options, understand rental yield potential in different markets, and structure your finance to optimise tax benefits. Investment lending criteria may differ from owner-occupied loans, particularly regarding deposit requirements and interest rates, so our expert advice ensures you understand all implications before proceeding.

What happens if I want to return to Australia while I have an expat mortgage?

Returning to Australia while holding an expat mortgage is generally straightforward, though you should notify your lender of the change in circumstances. In many cases, returning to Australia can actually improve your lending position, potentially opening opportunities for better rates or accessing additional finance through refinancing. AXTON Finance can help you navigate this transition, including exploring options to renegotiate better rates with your current lender or refinance with a different institution. We recommend discussing your return plans with our team well in advance to ensure you're positioned to take advantage of any beneficial changes to your lending terms.

Do I need lenders mortgage insurance for expat loans?

Lenders mortgage insurance requirements for expat lending depend on your loan to value ratio and the specific lender's policies. Generally, if you're borrowing more than 80% of the property value, LMI will likely be required, similar to standard home loans. However, some lenders have different LMI thresholds for expat borrowers, and the cost may vary from domestic lending. AXTON Finance can explain LMI implications for your specific situation and help you understand strategies to potentially avoid or minimise these costs, such as adjusting your deposit amount or exploring different lender options that may have more favourable LMI terms for expats.

Get help from our Mortgage Brokers

We are passionate about delivering reliable client outcome and not just a cookie-cutter service. With over 100 years of combined industry experience, you can trust the team at AXTON Finance.

Joyce Cheng - Mortgage Broker at AXTON Finance

After a distinguished career in private banking at Macquarie Bank, Joyce recognised the value she could provide to clients in a smaller business setting, serving a diverse range of individuals from emerging wealth and high net wealth backgrounds.

Joyce Cheng

Senior Mortgage Broker

Nicole Campbell - Mortgage Broker at AXTON Finance

With over 20 years of experience working in senior mortgage broking roles, Nicole's experience means she has expert knowledge in lending. Whether it be complex lending structures or first home buyers, Nicole's focus is always reliable client outcomes.

Nicole Campbell

Partner Mortgage Broker

Luke Rowland - Mortgage Broker at AXTON Finance

Driven by a desire to empower his clients with the knowledge, resources and service to deliver results, Luke has earned a reputation, shown in his stellar career trajectory for his exceptional proficiency across the lending spectrum.

Luke Rowland

Partner Mortgage Broker

Access to Competitive Rates from Leading Lenders

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Our Reviews

We pride ourselves on being brokers you can actually trust, from the initial consultation through to annual reviews that we perform years after your settlement, our tailored services and relationship focus is built to last.

Need proof that we are one of Melbourne’s best mortgage brokerages? Don’t just take our word for it – we have hundreds of positive Google reviews from real clients so you can rest assured you’re making the right choice with choosing AXTON Finance.

Google Reviews

Rated 5 from 479 Reviews

Thoroughly professional from start to finish. Being new to the Australian house purchasing process, Nicole continually offered detailed guidance and made the whole process seamless. Highly recommend Axton Finance to others.

Mark Kaiser

Today

We used AXTON Finance to buy our new home. This involved refinancing 2 properties as well as arranging finance the for the new home. There were a lot of moving parts and AXTON Finance did it all, recommended loan strategies to minimise repayments and secured a better loan deal, 2% below what we were paying. For a non money person, I wouldn't have been able to do it on my own and they saved a ton of time, stress and running aeound in the process. Would recommend AXTON Finance and now they are assisting my mother with a downsizing loan strategy.

Ben Howie

2 days ago

Mortgage Broker ROCKSTAR! As a fist time user of the services of a mortgage broker, I found the guidance and the level of insight afforded by Melanie of the highest of quality and our engagements always exceed my expectations.

Mark Cocks

4 days ago

Very happy with the support Melanie gave us, she went up and above for us, we where a hard one as we had credit card debt, it it was a bit stressful, but Melanie did a wonderful job sorting our finances out.

Vicky Glendinning

5 days ago

We recently purchased an investment property and couldn’t be happier with the support we received from Nicole Campbell at AXTON Finance. From the very beginning, Nicole went above and beyond to make the process smooth, stress-free, and transparent. We're so grateful to have found Nicole! Nicole took the time to understand our goals, explained every step clearly, and was always available to answer our million questions. What really stood out was Nicole's proactive communication and genuine care in ensuring we secured the best loan structure and rate for our circumstances. Throughout the whole process, it was clear that Nicole cared about our goals and protecting our interests. Thanks to Nicole, our finance was approved ahead of schedule, and settlement went through without a hitch. We highly recommend Nicole to anyone looking for a dedicated, knowledgeable, and truly client-focused mortgage broker.

Eda Gul

5 days ago

I can’t recommend Joyce highly enough! From our very first conversation, she made the entire mortgage process simple and stress-free. She took the time to understand my situation, explained every option clearly, and went above and beyond to secure a fantastic rate. Communication was always prompt and professional — nothing was ever too much trouble. If you’re looking for a mortgage broker in Melbourne who genuinely cares about getting the best result for you, Joyce is the one to call.

Fraser Neale

This month

Amazing Mortgage Broker! I was very lucky to have Nicole Campbell on my side. Stayed true to her words and absolutely helpful! No question was ever stupid. Being a FHB I was unaware of certain processes and Nicole being very professional and experienced always assured me every step of the way. I had called a number of other mortgage brokers prior I settled with Nicole and definitely no regrets. Very hold your hand and walk you through the process which is hard to find now-days. Thank you again, Nicole!

Japheth B

This month

Highly recommended . Without sounding cliche, Adam did go above and beyond when refinancing our home loan. There was few bumps along the way, and he had clear communication with us the entire time and always returned calls and emails. I highly recommend Adam to anyone who is looking for a finance broker. Very reliable, thorough and easy to deal with.

Melissa M

This month

AXTON Finance - Melbourne's Best Mortgage Brokers

Frequently Asked Questions

How do rental income and tax benefits affect my investment loan application?

Investment properties offer unique advantages in terms of rental income considerations and tax benefits, but these vary based on your individual circumstances and the specific property. The tax implications can be complex and should be carefully considered as part of your overall investment strategy. Book a consultation to understand how these factors apply to your situation and investment goals.

Can I use equity in my existing home to buy an investment property?

Using existing property equity for investment purchases is a popular wealth-building strategy, but the approach varies depending on your financial position and goals. There are several structuring options available, each with different benefits and considerations. Our experts can assess your equity position and explain your options during a complimentary consultation.

How much can I borrow for a home loan?

Your borrowing capacity depends on various personal and financial factors. While general guidelines exist, your actual borrowing power is unique to your situation, income, and financial goals. The best way to understand your true borrowing capacity is through a personalised assessment. Contact us for a free consultation where we'll provide you with an accurate borrowing estimate tailored to your circumstances.

Can I refinance my existing home loan or investment loan to get a better rate?

Refinancing can offer significant benefits, but whether it's right for you depends on your current loan terms, financial situation, and future goals. Market conditions and available products change regularly, so it's worth having your loans reviewed. Contact us for a free loan review to see if refinancing could improve your financial position.

What deposit do I need for an investment property loan?

Deposit requirements for investment properties vary between lenders and depend on your overall financial profile. While there are general guidelines, your specific situation may open up different options or require alternative approaches. Let us assess your circumstances in a free consultation to determine the most suitable deposit strategy for your investment plans.

What documents do I need to apply for a home or investment loan?

Documentation requirements vary depending on your employment type, loan amount, and chosen lender. Rather than providing a generic list, we prefer to give you a personalized checklist based on your specific situation and loan type. During your free consultation, we'll outline exactly what documents you'll need and help streamline your application process.

What types of home loans does AXTON Finance offer?

We offer a comprehensive range of home loan solutions including owner-occupier loans, first home buyer packages, refinancing options, and specialised lending products. Every situation is unique, which is why we work with multiple lenders to find the right fit for your circumstances. Book a free consultation with our experienced brokers to discover which loan options best suit your needs and financial goals.

How long does the loan approval process take?

Processing timeframes can vary based on your situation, chosen lender, and current market conditions. While we work to expedite every application, each scenario is different. The best approach is to discuss your specific timeline needs during a consultation, where we can provide realistic expectations and work to meet your settlement requirements.

What is an investment property loan and how does it differ from a home loan?

Investment property loans are specialised financing solutions designed for rental properties. They have different requirements, benefits, and tax implications compared to standard home loans. The specifics can vary significantly based on your investment strategy and financial situation. Schedule a free consultation with our investment property specialists to understand how these loans work and whether they align with your investment goals.

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