Expat and Non-Resident Loans

Expat and Non-Resident Loans: Unlock Your Australian Property Dream

Navigating home loans as an expat or non-resident in Australia can be tricky, but with Lower My Rate, you have an experienced partner by your side. Whether you’re living abroad or seeking to purchase property in Australia, we offer tailored solutions to help you secure your dream property with ease. Our deep understanding of the unique challenges expats and non-residents face, combined with access to over 50+ lenders, allows us to deliver the best loan options suited to your needs.

Fuel Your Australian Property Dream with the Right Loan

At Lower My Rate, we know how important it is for expats and non-residents to find a loan solution that works for their unique situation. Whether you’re looking to buy your first home, invest in the booming Australian property market, or refinance an existing loan, we offer a range of tailored options. Our expert team works with you every step of the way, ensuring you receive the most competitive rates, flexible terms, and fast approval processes. We make it simple for you to access the finance you need, no matter where you are in the world.

Expat and Non-Resident Loan Features

Competitive Rates from 5.80% p.a. (Comparison rate 6.10% p.a.)
Loan terms from 10 to 30 years
Up to 90% Loan-to-Value Ratio (LVR)
Fixed, variable, and split loan options
Access to 50+ leading Australian lenders

Why Choose Lower My Rate for Your Expat & Non-Resident Loans?

Expert Knowledge

We understand the unique challenges you face as an expat or non-resident. Let us guide you through the process with confidence.

Flexible Options

We offer a variety of loan types, from investment loans to owner-occupier loans, designed to fit your goals.

Speed & Convenience:

Get quick pre-approvals, making property purchasing a breeze
even when you’re abroad.

Government Grants & Incentives:

We help expats access government grants available
for property investors or first-time buyers.

Easy Online Process

Apply from anywhere in the world – all you need is an internet connection!

Who We Help

Expats Living Abroad: Whether you're working in the UK, Asia, or the Middle East, we help expats access home loans and investment options in Australia.
Non-Residents Looking to Buy in Australia: If you live overseas but want to purchase property in Australia, we’ll help you navigate the loan process and secure the best rates.
Investors in the Australian Market: Expat investors can benefit from our tailored solutions, accessing a wide range of property investment opportunities in Australia.
First-Time Buyers: We provide affordable home loan options for expats and non-residents looking to buy their first property in Australia.

Common Types of Expat & Non-Resident Loans We Can Help With

Am I Eligible for an Expat or Non-Resident Loan?

You must be an Australian citizen, permanent resident, or hold a valid visa.
A minimum deposit of 10-20%, depending on lender policies.
Stable income and employment history (must be proven through offshore or Australian-based employment).
Evidence of overseas income, assets, and financial stability.

What Happens Next? Your Expat or Non-Resident Loan, Simplified

Step 1

Tell Us Your Property Goals

Complete a quick online form or have a conversation with our team to discuss your objectives.
We’ll gather all the details to understand your needs.

Step 2

We Find the Right Loan for You

Our brokers work with 50+ lenders to find the most suitable loan options based on your unique circumstances.

Step 3

Application to Approval – Handled

We’ll take care of all the paperwork and negotiations, ensuring the process is as smooth and fast as possible.

Step 4

Secure Your Property & Move Forward

Whether it’s your dream home or an investment property, you’re ready to move forward with
confidence.

Bonus Perks When You Choose Lower My Rate

Zero Broker Fees for Most Loans: We’re paid by the lender, not you. No out-of-pocket fees for most deals.
Fast Pre-Approvals: Quick pre-approvals allow you to act fast and secure your property, even while overseas.
Priority Access to Exclusive Lender Deals: We offer access to exclusive rates and deals, thanks to our long-term lender relationships.
No Permanent Residency Required: Expat and non-resident loans available without the need for Australian citizenship or permanent residency.
Ongoing Loan Health Checks: We regularly review your loan to ensure you're getting the best deal in the market.

Take the Next Step Towards Your Australian Property Dream

Are you an expat or non-resident looking to secure a loan for your property in Australia? Lower My Rate offers tailored loan solutions, competitive interest rates, and expert advice.

What Our Clients say

"I couldn’t have asked for a smoother experience!" “As an expat living in the UK, Lower My Rate made the process of buying property in Australia stress-free. Their team guided me through the process and secured me an excellent rate.”

Greg P. London | Expat Investor

"Helpful and quick, even from overseas." “I was living in Dubai when I decided to buy an apartment in Sydney. Lower My Rate made the process quick and easy, and I was approved in just a few weeks.”

Maria T. Dubai | First-Time Buyer

"Professional and knowledgeable!" “As a non-resident trying to secure financing for an investment property, I found Lower My Rate’s expertise invaluable. They were able to find the perfect loan for me.”

James L. Hong Kong | Property Investor

Maria T. Dubai | First-Time Buyer