Australian Expat Finance

We pride ourselves on being Australian Mortgage Specialists, with 95% of our business being focused on helping Australians buy back in Australia when living abroad.

Featured Services

  • A close-up of an Australian passport with gold emblem and text on a dark blue cover.

    Australian Expat Loans

    We take the complexity out of securing a home loan while you live abroad. With a decade of valuable experience assisting Aussie expats in purchasing property in Australia, we have become experts in this specialised field.

    Adam Kingston, Director of Australian Expatriate Finance, comes with over a decade of experience in the expat lending space and is well-equipped to guide you through the process and can support you in securing investment property loans and owner-occupier loans tailored to your unique needs.

  • We specialise in investment, property loans and lending. Modern house with large windows and pool outside

    Investment Property Loans

    90% of Expat loans are for investment properties, just by the very nature that expats live abroad.

    We are expat investment property loan specialists and can help you build a diversified property portfolio and maximise the tax incentives.

    We are motivated to secure the best possible interest rate to maximise your yield from your investment.

  • We specialise in refinancing and cross-collateralisation—a modern home with a pool, spacious yard, and tropical plants under a clear blue sky.

    Refinancing and Cross Collateralzation

    When was the last time you refinanced?

    If it’s been over 2 years, chances are that your property has increased in value, and you may be able to achieve a better interest rate with your current lender, or we can help you switch lenders so you can achieve a better deal.

    We can help you understand how easy it is to unlock the equity generated in your home, refinance to fund a renovation, and help you purchase an investment property, or your dream home, build a pool, or extend your house.

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Home Loan Health Checks are complimentary, and taking detailed notes are part of compliance requirements. In this picture, our mortgage broker is handwriting on paper at a desk with coffee and a notebook

    Home Loan Health Checks

    We are passionate about helping you reduce the lifetime of your loan and ensuring you are receiving the best possible rate or service for your unique situation.

    We offer complimentary “Home Loan Health Checks” for our clients and new customers.

  • We specialise in home loans and m mortgages. White picket fence in front of a traditional Queenslander house with a large veranda and staircase, surrounded by greenery, under a clear blue sky.

    Home Loans

    We have access to over 45 lenders and thousands of different loans, with features tailored to your needs, budget, and goals.

    We do all the hard work and research for you, and also request a discount on your behalf, because we work with lenders all day, every day and present you in the best possible way to your chosen lender to help you achieve your goals.

    Whether it is your first purchase or your forever dream home, we will be there every step of the way to ensure your application experience runs smoothly.

  • A man and a woman standing back to back with arms crossed, dressed in business suits, smiling, against a light blue background.

    Professional Packaged Home Loans

    A Professional Package Home Loan is a type of home loan offered by banks and lenders that includes a range of benefits in exchange for an annual fee. These packages are typically designed for borrowers with higher loan amounts and offer discounted interest rates, reduced costs, and additional banking benefits.

    If you are an essential worker, doctor, medical specialist, solicitor, accountant, architect, teacher, etc, some lenders may offer perks like no Lenders Mortgage Insurance for certain properties, discounted interest rate, higher loan to value ratios, meaning you can have a smaller deposit.

    We are specialised in helping Professionals get into their homes sooner and with potentially less costs.

  • Close-up of a check with a $ sign and the word DOLLARS printed on it.

    Deposit Bonds

    Let us take the stress out of purchasing your next property by helping you access Deposit Bond Providers to help you with your deposit while waiting for your property to sell.

    A deposit bond in Australia is a financial guarantee used as a substitute for a cash deposit when purchasing a property.

    They are also known as developer’s bonds, and can help you protect your deposit while you wait for your construction to be complete, or your property to sell.

  • We specialise in Construction loans. Construction worker in a yellow hard hat and safety vest working on a wooden framework under blue sky.

    Expat Construction Loans

    We can help you build your dream house while living abroad, and we will be with you every step of the way!

    From purchasing your land to financing your build with a construction loan. We will guide you through every step of the construction process, help you achieve your goal, and offer guidance, expertise and assistance throughout the building process.

  • A family playing Monopoly at a coffee table in a living room with a large window.

    First Home Owners Loans

    If you are repatriating back to Australia and need help with your first purchase, we are a First Home Owners Specialist. Skilled at securing Housing Australia Guarantee (HGS) Loans, educating our clients about the process, keeping them up to date on any policy changes and helping to educate them about potential First Home Owner Grant (FHOG) Eligibility and criteria.

Helping Australians Overseas Buy Back Home —

At Australian Expat Finance, we are dedicated Australian Expat Mortgage Specialists.
We maintain strong, long-standing relationships with lenders who truly understand the complexities of expat lending — so you don’t have to.

We help Australians around the world buy, refinance, or invest in property back home with confidence.

Whether you're earning in a foreign currency, dealing with complex income structures, or navigating strict lender policies, our expert team provides tailored mortgage advice designed specifically for Australians living overseas.

Living abroad shouldn’t stop you from building wealth in Australia — and with the right guidance, it won’t.

We specialise exclusively in helping expats secure home loans in Australia, whether you’re purchasing your first property, refinancing for a better deal, or growing a long-term investment portfolio.

Why Australian Expats

Choose Us

  • We work with Australians living overseas every day. We know which lenders say yes to expats — and which don’t.

  • PAYG, self-employed, contractor, foreign currency income — your loan is structured specifically for your situation.

  • PAYG, self-employed, contractor, foreign currency income — your loan is structured specifically for your situation.

  • Digital applications, overseas time-zone support, and clear communication from start to settlement.

With over a decade of expertise as an Australian Expatriate Mortgage Specialist, our services go beyond conventional limits, offering personalised solutions from over 45+ lenders and 1000s of loan options with individual tailored products that suit your needs.

Learn more

Australian Expatriate Finance
Company ethos

With the support of 45 different lenders, we possess the knowledge and expertise to help you find a solution tailored to your unique expat needs.

We proudly work with 45 lenders and thousands of products through our lending portal to ensure you receive a loan not unsuitable for your unique needs. Our team works for you, not the banks. With 10 years of experience and a track record of satisfied clients who have purchased new properties or refinanced, we are committed to staying updated on the latest products offered by lenders to provide you with the most competitive options available in the market.

As Australian Expat Mortgage Specialists, we offer personalised service throughout the entire application process. From your initial phone call to pre-approval, the purchase, and all the way to settlement, we are with you every step of the way. Your dedicated Australian Expat Mortgage Specialist will manage your file for you, ensuring a smooth experience.

Meet Your Australian Expat Mortgage Specialists

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