Expat Home Loans

Specialist Broker for Australian Citizens Abroad & Non-Resident Investors

Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Australia’s most trusted mortgage brokers!

Choose VOXFIN for Global Finance Advantage

Up to 90% Loan to Value Ratio (LVR)

Minimal Income Shading

100% Offset Accounts

40+ Currencies Accepted

(USD, GBP, SGD, EUR, and more)

VOXFIN takes pride in maintaining 5-star ratings from expats across New York, London, Singapore, Dubai, and Hong Kong. Our clients value our specialist expertise, transparent communication, and a process that perfectly fits their global lifestyle. Their feedback for us speaks volumes!

VOXFIN’s Specialist Features that Traditional Banks Won’t Offer

Feature	The VOXFIN Difference
High Leverage	Loans secured up to 90% LVR for eligible expats.
Income Clarity	Minimal currency shading (some lenders as low as 10%).
Global Income	Acceptance of USD, GBP, SGD, EUR, and 40+ other currencies.
Loan Structure	Access to 100% Offset Accounts and flexible Redraw facilities.
Speed	The digital application process ensures 24-hour pre-approvals.
Complexity	Experts in FIRB compliance and complex foreign ownership.

Ready to get the best rate and features?

Book a FREE Expat Loan Consultation

We Finance All Global Clients

Client Profile	Loan Goal
Client Profile	Loan Goal
Australian Citizens	Buying or refinancing a family home in Australia.
Permanent Residents	Strategic investment property acquisition.
Foreign Investors	Acquiring Australian property (FIRB rules apply).
Self-Employed Expats	Low-Doc options accepting business bank statements.

Ready to start your pre-approval?

Schedule a 60-Second Eligibility Assessment

Expat Loan Roadblocks? We’re Here to Overcome.

Problem	VOXFIN Solution
Foreign Income Rejections	Access to lenders accepting overseas payslips & tax returns.
Currency Confusion	We match you to lenders who minimise exchange rate shading.
Time Zone Delays	Dedicated broker handles all lender communication and digital signing.
Complex Paperwork	End-to-end guidance on document translation and FIRB compliance.

Don’t Let the Distance Stop Your Australian Property Dream!

Whether it’s your first purchase or a portfolio extension, trust VOXFIN for expat mortgages in Australia!

Send Your Expat Mortgage Enquiry Now

Frequently Asked Questions (FAQs)

Questions and queries related to Low-Doc Business Car Loans

Can I get a home loan in Australia if I live overseas?

Absolutely. Australian citizens and permanent residents who live overseas can apply for an expat mortgage. At VOXFIN, we have partnered with lenders who accept foreign income.

How much deposit do I need for an expat loan?

You can qualify with as little as a 10% deposit for some lenders. We specialize in solutions up to 90% LVR.

Do lenders accept foreign income?

Yes, including USD, GBP, AED, SGD, and NZD. We minimise the typical exchange rate discount (shading).

What is the maximum Loan-to-Value Ratio (LVR) I can get?

Most lenders cap the loan at 80% LVR (20% deposit). However, specialist lenders in our network can offer up to 90% LVR for eligible Australian citizens, though Lenders Mortgage Insurance (LMI) will apply.

Are expat home loan interest rates higher than resident rates?

Not necessarily. While some lenders may apply a small premium, many competitive lenders offer expats the same standard rates as Australian residents. Your rate depends on the lender, your LVR, and the currency you earn in.

What are the documents required to apply for an expat loan?

You’ll need an identity proof, a proof of income (tax returns or foreign tax returns), details of the property, and Australian bank statements. At VOXFIN, we help you prepare everything.

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Can I refinance my Australian property while I live overseas?

Absolutely. VOXFIN helps expats like you refinance to lower rates, release equity, or consolidate debt even while abroad.

Is it difficult to get an expat loan approved?

Yes, it can be difficult. However, with an expert like VOXFIN by your side, you get the process simplified, ensuring lenders clearly understand your income and situation.

Do I need to pay the Foreign Investment Review Board (FIRB) Fee?

No. Australian citizens and Permanent Residents do not require FIRB approval or pay the fee, regardless of how long they have lived overseas. You have the same rights as a resident to buy any property type.

How do lenders calculate my income when I earn in a foreign currency?

Lenders shade your foreign income by converting it to AUD and then only using 60% to 90% of the total amount to allow for currency fluctuations. They may also apply an Australian tax rate, which can lower your borrowing power.

Do I need to grant a Power of Attorney (POA) for settlement?

Yes, it is usually required. You must appoint an Australian-based person to act as your Power of Attorney (POA) to sign the final loan and settlement documents on your behalf, removing the need for you to be in Australia.

What Our Customers Say

Gurdeep Kumar at VOXFIN is a great professional and has deep financial knowledge. He helped me purchase my property under an SMSF. Gurdeep is an expert in SMSF property loans. As an investor, I know SMSF property loans are a lengthy process. From start to settlement, the process was well-informed. Highly recommend Gurdeep Kumar and it’s team at VOXFIN.

- Ketan Patel

Thanks to Gurdeep, He is an extra ordinary knowledgeable person with complete grip on ongoing market situations. I sought help from him and he has gone an extra mile.
Highly recommended.

- Haris Khan

VOXFIN is awesome! Gurdeep is super helpful and knows his stuff. He made the whole process simple and guided me step-by-step with great advice. He got me the lowest rate for my land and construction home in Brisbane. Highly recommend Gurdeep and VOXFIN for home loans and financial needs

- Maria Thomas

VOXFIN is the best! Gurdeep is friendly, knowledgeable, and made everything easy to understand. He got us an amazing rate for our land and construction home in Brisbane. Couldn’t have done it without him! Five stars all the way!

- Shino Varghese

Gurdeep at VOXFIN is fantastic! He helped me get a personal loan with the lowest interest rate, making the process smooth and stress-free. Gurdeep is quick, efficient, and highly professional. Highly recommend VOXFIN for personal loans in Melbourne!

- Aditya Mushnuri