Discover the best home loan options for non-residents🏡
Introduction
Buying property in Australia as a foreigner is achievable — but it comes with unique regulations and financial requirements. Whether you’re a temporary resident, non-resident investor, or expat returning home, understanding the best home loan options available in 2025 is the key to success. This guide breaks down the best lenders, required documentation, and updated FIRB rules, all tailored for international buyers.
Now You can Explore Best Home Loan Options in Australia for Foreigners
✅ Can Foreigners Get a Home Loan in Australia?
Yes, but with conditions. Foreigners generally need approval from the Foreign Investment Review Board (FIRB) and typically must purchase new properties. Loan terms also vary depending on residency status:
- Temporary residents: May be eligible for 70–80% LVR (Loan-to-Value Ratio).
- Non-residents: Usually approved for up to 60% LVR.
- Expats: Often get similar rates to Australian citizens.
🏦 Top Home Loan Options for Foreigners in Australia (2025)
1. ANZ Foreign Investor Loan
- Up to 70% LVR.
- Competitive fixed and variable rates.
- Ideal for non-resident investors.
- Requires FIRB approval.
2. Commonwealth Bank – Expat & Non-Resident Loans
- Offers loans for new builds or off-the-plan apartments.
- Expat Australians may borrow up to 90% LVR.
- Flexible repayment schedules.
3. Westpac Temporary Resident Loan
- For skilled visa holders (482, 186, 500).
- Up to 80% LVR for certain visa types.
- Accepts overseas income (conditions apply).
4. Pepper Money – Specialist Home Loans
- Designed for applicants with irregular income or non-traditional credit.
- LVR up to 85% for expats.
- Custom underwriting for complex applications.
5. La Trobe Financial – Investment Loans for Non-Residents
- LVR up to 65% for foreign investors.
- Ideal for international property buyers seeking rental returns.
📋 Eligibility Requirements for Foreigners
- FIRB approval (mandatory for non-residents).
- Valid visa (for temporary residents).
- Proof of overseas income.
- Minimum deposit of 20–40% depending on lender.
- Certified translations of all documents.
📈 Tips to Improve Loan Approval Chances
- Hire a mortgage broker experienced in expat/foreign loans.
- Keep international bank statements organized.
- Avoid applying with multiple lenders at once.
- Show a clean credit history in your home country.
- Save a larger deposit (25%+ is safer).
🌐 Useful Links & Resources
- FIRB Approval Guidelines: firb.gov.au
- Commonwealth Bank Expat Loans: commbank.com.au
- Australian Tax Residency Info: ato.gov.au
📍 Internal Link
Want to know how to get a home loan with a low credit score in Australia or overseas? Read our expert guide:
👉 https://teur.xyz/how-to-get-a-home-loan-with-a-low-credit-score-in-2024-a-step-by-step-guide/
🔚 Conclusion
As a foreigner or expat, securing a home loan in Australia in 2025 is possible with the right preparation and lender. Understanding the rules, leveraging expat-friendly banks, and organizing your finances will help you get one step closer to your dream Australian property.