Home Loans for Expat Australians


Home Loans 4 You have helped many overseas Australians obtain an expat mortgage

We understand your needs and tailor solutions that fit.


Contact usBook a meeting

We unlock home loans options tailored to Expat Australians to find the right one for you

Record low rates available for Australian Expat Mortgage

Can I get a mortgage in Australia if I live overseas?

Yes, it is possible! Australian expats can obtain a mortgage to purchase a new or existing investment property, refinance existing mortgages, access existing equity or construct a new property.


Am I able to borrow using foreign income?

Yes, you can, this is how it works, overseas income will be converted from foreign currency to AUD (using an FX conversion) and based on the lender a percentage of the AUD income will be used for borrowing purposes.


Can I borrow Up To 90% Value?

A home loan up to a 90% of the property value can be obtained for Australian expats with our help. That means Australian expats can purchase a property with only a 10% deposit.

Will Australian Banks accept any currency?

Not all currencies are accepted but the most common ones that the banks will consider are United States Dollar (USD), Great Britain Pounds Sterling (GBP), Euro (EUR), Singapore Dollar (SGD), Canadian Dollar (CAD), Hong Kong Dollar (HKD), Japanese Yen (JPY), Swiss Franc (CHF), New Zealand Dollar (NZD), Chinese Renminbi (CNY). If your currency doesn’t fit into the ones above, don’t fear it may still be accepted, speak with an expat mortgage broker to discuss your situation in detail to see if we can help.


Do expats have to pay higher interest rates?

No, the good news is that living overseas doesn’t mean you’ll have to pay a higher interest rate. We work with numerous specialist lenders who regularly offer expat loans to Australians to find the most appropriate lenders for your situation with a great rate!


1. Book appointment

Book a calendar zoom appointment with our Broker to discuss your situation.

2. Assessment

Discuss goals, borrowing power, loan options and rates with our expert broker.

3. Application

Once strategy is discussed and confirmed we summit an application to the agreed lender.

A Loan For A New Home

Buying your first home can be one of the most exciting things you will do in your life, but it can also seem incredibly scary, especially if you are overseas. We at Home Loans 4 You, guide you though the whole process step by step and work to find you a home loan solution

Refinance your Existing Loan

Reviewing your current loan by refinancing has many benefits including reducing your monthly repayments, accessing equity in your home to purchase something you want.


About Us

Daniel is our head expat mortgage broker based in Melbourne Australia who created Home Loans 4 you to specialise in providing a tailored home loan solutions for Expat Australians

Unlocking home loans that are tailored for you.

Home Loans 4 You navigate the lending landscape on your behalf to save you valuable time and money.

We understand the challenges existing and returning Australian Expats face with their mortgage needs. Contact us to chat about your home loan needs.

Me and My Wife Started the process of purchasing our second home by approaching our bank who we have been with collectively for 25 years, After the appointment we both walked out more confused than ever.

We were recommended to speak to Daniel by a Friend. From the first meeting he made us feel at ease and very welcome and willing to answer any question we had. Along the way I had some questions and he always went out of his way to assist. Both me and my wife strongly recommend Daniel his team for all your lending needs.

Joe D - November 2019

I was very nervous and scared at the idea of getting a loan but Daniel was very helpful and answered all my questions in a way I could understand and from start to finish I got my loan organised super quickly and had purchased my new apartment within a month of contacting him.

Not once as I stressed out about things not going right. I would 100% recommend using Daniel to get a loan!

Cassie J - December 2019

Thanks to Daniel for the help he provided through the whole process. Very professional advisor and prompt reply in every single enquiry I had. Will highly recommend to my friends and family.

Nai - October 2019

A++++. Cannot thank Daniel enough for making the home loan process as easy as possible! Professional and very attentive service was provided - will most definitely be highly recommending to friends and family!

Luisa D – February 2020

Thanks, Daniel, for all your help with our first property purchase. You were always available to clarify any questions we had and kept us updated at all stages.

Matthew M – March 2018