Non-Resident Property Loans

Foreign Investment & Expat Finance

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Financing Non-Resident Property Loans

Investing in Australian property as a non-resident presents exciting opportunities for

wealth creation and long-term financial growth. However, securing the right loan can

be complex due to unique lending criteria, foreign income assessments, and additional

regulations that apply to non-resident borrowers.


At Citrine Home Loans, we specialise in assisting international investors and expatriates in

navigating the intricacies of non-resident loans. Our expertise ensures you secure a

financing solution that aligns with your investment goals while meeting Australian

lender requirements. Whether you're purchasing a residential investment, expanding

your property portfolio, or refinancing an existing loan, we provide tailored strategies

to simplify the process.


Securing the Right Non-Resident Loan

Obtaining a loan as a non-resident requires a well-structured approach. Factors such

as borrowing limits, income verification, and currency fluctuations must be carefully

considered.



Why the Right Loan Matters

A well-structured non-resident loan ensures:

  • Competitive interest rates and favourable terms
  • Compliance with Australian Foreign Investment Review Board (FIRB) regulations
  • Efficient management of foreign income and currency exchange risks
  • Access to reputable lenders willing to finance non-resident borrowers



Our Approach to Non-Resident Lending

At Citrine Home Loans, we assess your residency status, financial position, and investment

strategy to recommend the most suitable loan options. We guide you through:

  • Borrowing Limits: Understanding how much you can borrow based on your income source, currency type, and lender restrictions
  • Loan Structuring: Fixed, variable, or interest-only loans tailored to your needs
  • FIRB Compliance: Assistance with Foreign Investment Review Board approvals for non-residents purchasing Australian property
  • Foreign Income Considerations: Support in verifying and converting overseas income to meet Australian lender criteria


With our expertise, you can secure the right financing solution with confidence.



How Citrine Home Loans Supports Non-Resident Borrowers

At Citrine Home Loans, we assess your residency status, financial position, and investment

strategy to recommend the most suitable loan options. We guide you through:

We simplify the lending process for non-residents by offering:

  • Expert Guidance: Understanding lender policies and eligibility criteria for foreign buyers
  • Lender Comparisons: Sourcing competitive loan options from banks and non-bank lenders
  • Application Assistance: Handling documentation, income verification, and FIRB approvals
  • Ongoing Support: Assisting with refinancing, currency risk management, and future property investments

FAQs: Low-Doc Loans

  • Can non-residents buy property in Australia?

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  • What is the Foreign Investment Review Board (FIRB)?

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  • How much can a non-resident borrow for a property loan?

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  • Do non-residents face higher interest rates?

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  • What documents are required for a non-resident loan?

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  • Can I use foreign income to qualify for a loan?

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  • Are there additional fees or taxes for non-resident property buyers?

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  • Can I use a low-doc loan for investment properties?

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  • Can non-residents refinance their existing Australian property loans?

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  • What happens if I move to Australia after taking a non-resident loan?

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  • How can Citrine Home Loans help with non-resident loans?

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