Loan eligibility Australia

Loan Eligibility

If you’re an Aussie expat earning a Singapore or foreign salary income*, we know exactly what’s needed to get your Australian home loan approved!

Lets look at the mandatory requirements for assessment.

Salaried Employees:

Last 3 months payslips
(Include any bonus payments received)

Bank statements for 3 months
(showing the corresponding salary credit)

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

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

Copy of employment pass
(Front & back copies)

Copy of contract of sale
(if purchasing)

6 months loan statements
(if refinancing existing loans)

* We will send you a link to safety upload all eligibility documents

*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)
  • Malaysian Ringgit (MYR)
**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.

Aussie & NZ Citizens:

Australian & NZ citizens living outside of Aus can still easily obtain financing-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 several Aussie banks are still lending

  • Banks have varying assessment policies for Australian & NZ Citizens

  • Singapore based Australian banks are no longer lending

  • In short, loans that can be easily approved at one bank may not meet servicing criteria at another

Aussie PR:

Aus PR’s living outside of Aus have differing requirements to citizens:

  • 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 with minimum qualifying income levels required

Working with a foreign income mortgage expert ensures your path to approval is simplified. Talk to us today.



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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