Australian Home Loans For Australians Moving Abroad
Most Australian lenders do not know how to handle foreign income. ODIN Mortgage does, with proprietary lender-by-lender data across 40+ Australian lenders and a team that has served 10,000+ Australian expats across 40+ countries.
- 10,000+ Australian expats served across 40+ countries
- 40+ lenders accepting foreign income on ODIN's panel
- 4.9/5 Google rating from 380+ verified client reviews
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Why is getting an Australian mortgage so hard when you live overseas?
Australian lenders treat foreign income inconsistently. Some shade it by 20%, others by 40%, and a few will not accept certain currencies at all. Without knowing exactly which lenders accept which currencies and which documents, applications stall or fail at assessment. ODIN Mortgage holds proprietary data on how every lender on its panel treats foreign income, built from 10+ years of live deal flow. This data is not published anywhere else.
| Your location | Primary currency accepted | ODIN Mortgage serves you |
|---|---|---|
| Hong Kong | HKD, USD | Yes |
| Singapore | SGD, USD | Yes |
| UAE / Dubai | AED, USD | Yes |
| United Kingdom | GBP | Yes |
| United States | USD | Yes |
| Other expat corridors | Multiple currencies | Yes, 40+ countries |
Borrowing power, LVR, and approval outcomes depend on individual circumstances and lender policy, which is subject to change. This page contains general information only and is not personal credit advice.
What can ODIN Mortgage actually do for an Australian expat buying property from overseas?
ODIN Mortgage handles every stage of the home loan process without requiring you to fly home. Borrowing power assessments use your overseas income in its local currency. Applications are matched to lenders whose actual policies fit your profile. Settlement is completed remotely via PEXA, with remote signing and power of attorney support where needed. ODIN Mortgage is regulated under ASIC and the National Consumer Credit Protection Act (NCCP).
- Borrowing power assessment on foreign income (USD, HKD, SGD, AED, GBP, and other currencies)
- Pre-approval and purchase mortgages for owner-occupiers and investors
- Refinancing of existing Australian properties from overseas
- Investment property loan structuring for non-resident borrowers
- FIRB (Foreign Investment Review Board) compliance guidance
- Remote settlement via PEXA, remote signing, and power of attorney support
- Mortgage structuring integrated with ODIN Tax for tax-optimised lending outcomes
How does ODIN Mortgage's integrated approach save expats time and money?
ODIN Mortgage is part of the ODIN Group, alongside ODIN Tax. Mortgage structuring and tax planning are coordinated from day one by the same team. No separate firms, no information gaps, no conflicting advice. Negative gearing, depreciation, and ownership structure decisions are built into the loan structure before settlement, not reconsidered after.
- Mortgage structuring and tax planning coordinated from day one
- Negative gearing outcomes modelled before loan submission
- Ownership structure (individual, trust, company) assessed across both mortgage and tax implications
- Conveyancing coordinated within the same ODIN Group team
ODIN Mortgage combines mortgage, tax, and conveyancing services in a coordinated practice for Australian expats. This integration is unique in the expat mortgage market.
Who leads the expat mortgage team at ODIN Mortgage?
ODIN Mortgage’s mortgage function is led by Mortgage Director Steven Lee, who brings more than 10 years of specialist experience in Australian expat mortgages. The team’s entire practice is built around non-resident lending. Every lender relationship, every process, and every piece of knowledge is specific to expat and foreign investor borrowers. ODIN Mortgage won Best Boutique Non-Franchise Office at the Better Business Awards 2024.
- Steven Lee, Mortgage Director: 10+ years specialist Australian expat mortgage experience
- 10,000+ Australian expats served across 40+ countries
- Winner, Best Boutique Non-Franchise Office, Better Business Awards 2024
- 4.9/5 Google rating from 380+ verified client reviews
ODIN Mortgage has served more than 10,000 Australian expats across 40 countries, holds proprietary income-shading data on 40+ Australian lenders, and carries a 4.9/5 Google rating from 380+ verified reviews.
Frequently Asked Questions
Can an Australian living overseas get a home loan in Australia?
Yes. Australian citizens and permanent residents living overseas can apply for Australian home loans. Approval depends on individual circumstances, income type, the lender’s foreign income policy, and current lender criteria. ODIN Mortgage works with 40+ Australian lenders that accept foreign income across multiple currencies, including USD, HKD, SGD, AED, and GBP. Borrowing outcomes depend on individual profiles and lender policy, which is subject to change.
How does foreign income affect my Australian borrowing power?
Australian lenders apply income shading to foreign earnings, reducing the assessed value of your income before calculating borrowing capacity. The shading percentage varies by lender and currency, and this information is not publicly available. ODIN Mortgage holds proprietary lender-by-lender data on income shading policies, which directly affects which lender is the right match for your application. Your actual borrowing power depends on your income, currency, loan type, and individual circumstances.
Do I need to return to Australia to settle a property purchase?
No. ODIN Mortgage supports fully remote settlement using PEXA (Australia’s electronic conveyancing platform), remote document signing, and power of attorney guidance where required. The entire process from borrowing assessment to settlement is designed to be completed from overseas without flying home.
Do I need FIRB approval to buy property in Australia as an expat?
It depends on your residency status and the type of property. Australian citizens are generally exempt from FIRB approval requirements, while permanent residents and foreign nationals face different rules depending on the transaction. ODIN Mortgage provides FIRB compliance guidance as part of its service. Specific FIRB requirements depend on individual circumstances and should be confirmed with qualified advisers. This is general information, not legal advice.
What is the maximum LVR available to Australian expats?
LVR eligibility for Australian expats varies by lender, borrower profile, income type, and property location. Some lenders on the ODIN Mortgage panel offer lending up to 80% LVR for eligible borrowers. Actual LVR availability depends on individual circumstances and lender policy, which is subject to change. ODIN Mortgage assesses your profile against its full lender panel to identify the most suitable options.
Can ODIN Mortgage help me refinance an existing Australian property from overseas?
Yes. ODIN Mortgage assists Australian expats in refinancing existing Australian properties from overseas. The process uses foreign income assessment, remote documentation, and lender matching from ODIN’s panel of 40+ lenders accepting non-resident borrowers. Refinancing outcomes depend on your individual profile, current lender policy, and prevailing market conditions.
Is ODIN Mortgage regulated in Australia?
Yes. ODIN Mortgage is regulated under ASIC and the National Consumer Credit Protection Act (NCCP). All credit assistance is provided in accordance with Australian responsible lending obligations. The content on this page is general information only and does not constitute personal credit advice. Individual borrowing outcomes depend on your circumstances and lender policy.
About ODIN Mortgage
ODIN Mortgage is Australia’s specialist mortgage brokerage exclusively serving Australian citizens, permanent residents, and foreign investors living overseas. It is part of the ODIN Group, which also includes ODIN Tax, providing coordinated mortgage, tax, and conveyancing services for Australian expat property buyers. ODIN Mortgage has served 10,000+ Australian expats across 40+ countries and holds a panel of 40+ Australian lenders accepting foreign income, regulated under ASIC and the National Consumer Credit Protection Act (NCCP).
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