Loan eligibility Australia

Loan Eligibility

If you’re earning a Singapore or foreign salary income*, we know exactly what’s needed to get your Australian Home Loan approval.

Lets look at the mandatory requirements:

Salaried Employees: (Aus Citizens, Aus PR’S & NZ Citizens)

  • Last 3 months payslips

  • Bank statements for 3 months showing the corresponding salary credit (** Banks will no longer accept internet print outs without full name & address of applicant)

  • Copy of original employment contract (signed by both employer & employee)

  • Copy of passport (** Including stamped travel pages)

  • Copy of NRIC or Employment Pass (Front & back copies)

  • Copy of contract of sale (if purchasing)

  • 6 months loan statements (if refinancing an existing loan)

* All documents provided must be in clear legible PDF format

*Kindly note the eligibility list are mandatory requirements for our lending partners.
*Acceptable incomes include: 
  • Singapore Dollars (SGD)
  • Euro (EUR)
  • Hong Kong Dollars (HKD)
  • British Pounds (GBP)
  • United States of America Dollars (USD)
  • Emirati Dirham (AED)
**Lenders will require a copy of the passport photo page + any stamped travel pages. This is a compliance requirement.
***No information is shared with any lender until all info is provided & the lender privacy acknowledgement has been signed by all intended borrowers. Your information remains confidential at all times.

For Self-Employed (Aus Citizens only):

  • Please call us to check your eligibility

Aussie Citizens:

  • Australian citizens living outside of Aus can still easily obtain an Australian home loan-but there’s a few things you need to be aware of :

    • 2018 banking policies have significantly changed for Aussie expats but the good news is Aussie banks are still lending

    • Banks have varying assessment policies for Australian Citizens

    • In short, as a Singapore-based Australia property owner, loans that can be easily approved at one lender may not meet servicing criteria at another

Aussie PR & NZ Citizens:

  • Aus PR & NZ Citizens living outside of Aus have similar requirements as citizen’s although:

    • Banks will need to see evidence of your Australian PR  visa is indefinite with no restrictions

    • Banks have varying assessment policies for Australian PR’s & NZ citizens

    • In short, as a Singapore-based Australia property owner, you’re likely an exception case to both Australian bank

Get in touch with us without obligation to find out how we can be of help.

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Our panel of lenders

  • Adelaide-Bank
  • Amp
  • Anz
  • Bank-Of-Melbourne
  • Bankwest
  • CIMB
  • Citibank
  • Homeside
  • Commonwealth Bank
  • DBS Bank
  • Firstmac
  • Heritage Bank
  • Homeloans
  • ING Direct
  • LA Trobe
  • Liberty
  • NAB
  • Macquarie Bank
  • Me Bank
  • OCBC
  • Pepper Financial Services Group
  • St. George Bank
  • Suncorp Bank
  • UOB
  • Westpac