If you’re currently an Australian expat living and working abroad, we have good news! It’s still possible to secure attractive financing for your investment property back home in Australia. Whether you’re looking to invest, refinance or purchase your dream home for your repatriation, it’s all still possible.

With over 1 million Australians living abroad, with the largest percentage living in Europe, it’s important that you’re aware of your financial choices as an Australian expat when it comes to arranging financing. Many Australians will be drawn abroad for work or career choices and it has become a rite of passage for many.

We’ve outlined below some of the key considerations that the banks will factor in when assessing your financing options:

  • Salary: Starting with the most obvious first, the amount you earn will have a large impact on your borrowing capacity. Depending on the currency, the bank will reduce your salary by a fixed percentage to allow for currency fluctuations.
  • Currency: Depending on where you’re working abroad, the bank will also assess you differently. If the currency you’re earning is considered an ‘A’ rated currency, then it’s likely you’ll be able to borrow more.
  • Bonuses / Commissions: How your bonus or commission is structured will also likely determine whether or not you can include it in your income for the bank.
  • Expenses: If your employment contract covers a range of your fixed expenses, such as your rent, vehicle and education costs for the kids, this will also be beneficial for your serviceability as the banks will reduce your income but not your expenses.


There are a wide range of factors to consider and these are just some of the major areas to be aware of. If you’re an Australian expat working abroad and looking to arrange financing or even to explore your refinancing options, speak to our team today to discover your options.


LoanSuite Pty Ltd is your lending partner for all of your home loan, investment property, business and commercial financing needs. With our wide range of lending solutions, expertise in financial planning and investment strategies, and extensive experience in working with both Australian residents and Australian expats, we are your partners for your lending needs.

Book a obligation-free, complimentary consultation here today.

LoanSuite Pty Ltd is an Authorised Credit Representative (Credit Representative Number – 494608) of My Local Broker (Australian Credit License – 481374). Important Disclaimer: Your complete financial situation will need to be assessed before acceptance of any proposal or product.