Australian Expats — Start Here


Welcome — how to use this page

Living or working overseas changes how lenders assess income, currency, and risk.

This page helps expats understand why outcomes differ and where to look next.

How this fits into Model Mortgages

Expats often use:

  • Fact sheets to understand income treatment
  • Structure exploration to plan timing
  • Brokers because policy variation is significant

Who this page is for

  • Australians living overseas
  • Australians earning foreign income
  • Australians planning to return
  • Australians investing while offshore

Questions expats actually ask

  • Does overseas income count?
  • How is foreign currency assessed?
  • Does country or employer matter?
  • Is it better to buy before returning?

Common scenarios

  • Buying while living overseas
  • Buying before returning
  • Investing while offshore
  • Re-entering the Australian system

Optional: exploring structure

Many expats explore structure before committing to timing.

Explore possible scenarios

Core fact sheets

  • Fixed rate loans
  • Variable rate loans
  • Investment loans
  • Lenders Mortgage Insurance (LMI) All home loan fact sheets (PDF)

Prefer to talk it through?

Most expats speak to a broker before proceeding.

Talk to a broker

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