Expat home loans
Buying property from overseas? I've done this hundreds of times.
Most brokers don't understand foreign income, visa requirements, or FIRB. I do — because half my clients are expats and international professionals.
What makes expat lending different
Banks treat foreign income differently. Some won't touch it. Others shade it by 20–40%. And the ones that do accept it often have requirements your regular broker hasn't seen before.
I've spent 20+ years in institutional banking — including roles at Citi, UBS, and RBS in London. I know which lenders want this business and how to present your application so it gets approved.
Common situations I help with
- Australian citizens living overseas wanting to buy back home
- Temporary visa holders buying their first Australian property
- Mixed-status couples (one citizen, one visa holder)
- Foreign income from multiple countries or currencies
- FIRB applications and foreign buyer surcharges