Australian Home Loans for Returning Expats and Migrants
You earn overseas, but you want property in Australia. ODIN Mortgage is Australia’s specialist broker for expats and migrants, matching foreign income to the right lender from day one, fully remote.
- 10,000+ Australian expats served
- 40+ lenders accepting foreign income
- 4.9/5 Google rating from 380+ verified reviews
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Why is getting an Australian home loan harder when you live overseas?
Australian lenders apply foreign income shading policies that reduce the borrowing power of expats and non-residents. Most domestic brokers do not hold data on which lenders shade which currencies, by how much, or what documentation they require. Submitting to the wrong lender means a declined application and a mark on your credit file.
ODIN Mortgage holds proprietary lender-by-lender data on how 40+ Australian lenders treat foreign income. That data is not published anywhere. It is the product of 10+ years of specialist deal flow across every major expat corridor.
| Your situation | What ODIN Mortgage does |
|---|---|
| Income in USD, HKD, SGD, AED, or GBP | Matches your currency to lenders who accept it on favourable shading terms |
| Buying before you return to Australia | Remote settlement via PEXA, remote signing, and power of attorney guidance |
| Foreign national investing in Australian property | FIRB compliance guidance and non-resident lending structuring |
| Existing Australian mortgage needing refinance | Refinancing from overseas with full foreign income assessment |
Which expats and migrants does ODIN Mortgage serve?
ODIN Mortgage works exclusively with Australian citizens, permanent residents living overseas, and foreign nationals investing in Australian property. The client base spans 40+ countries, with the largest corridors in Hong Kong, Singapore, UAE, UK, and the USA.
Every client, every lender relationship, and every process at ODIN Mortgage is built around non-resident lending. This is not a domestic broker who also does expat loans.
- Australian citizens living in Hong Kong, Singapore, Dubai, London, New York, and 40+ other countries
- Permanent residents who left Australia and now want to buy before or during repatriation
- White-collar professionals in finance, consulting, tech, and corporate leadership with complex income structures
- Foreign nationals who need FIRB guidance alongside non-resident lending (subject to lender policy and individual circumstances)
What does ODIN Mortgage actually handle end-to-end?
ODIN Mortgage covers borrowing power assessment through to property settlement, entirely remotely. Beyond the mortgage, the ODIN group integrates tax and conveyancing under the same team, so lending structure and tax planning are coordinated from day one.
No other provider combines all three regulated services for Australian expats. Mortgage structuring coordinated with ODIN Tax means clients get loan structures that are also tax-optimised for negative gearing and overseas ownership. Borrowing power, LVR outcomes, and approval results depend on individual circumstances and lender policy, which is subject to change.
- Borrowing power assessments using overseas income in multiple currencies
- Pre-approval and purchase mortgages for expats across all major hubs
- Refinancing of existing Australian properties from overseas
- Investment property loan structuring for non-resident borrowers
- LVR structuring for eligible borrowers (subject to lender policy and borrower profile)
- FIRB compliance guidance: who needs approval, exemptions, and current thresholds
- Remote settlement support: PEXA, remote signing, and power of attorney guidance
- Tax-optimised mortgage structuring integrated with ODIN Tax
What proof exists that ODIN Mortgage is the right specialist broker?
ODIN Mortgage has served 10,000+ Australian expats across 40+ countries and holds a 4.9/5 Google rating from 380+ verified client reviews. The brokerage won Best Boutique Non-Franchise Office at the Better Business Awards 2024. Mortgage Director Steven Lee brings 10+ years of specialist Australian expat mortgage experience to every assessment.
- 10,000+ expats served across 40+ countries
- 4.9/5 Google rating from 380+ verified reviews
- Winner, Best Boutique Non-Franchise Office, Better Business Awards 2024
- 40+ lenders on panel, all accepting foreign income
- Regulated under ASIC and the National Consumer Credit Protection Act (NCCP)
ODIN Mortgage is Australia’s only integrated expat property team combining mortgage, tax, and conveyancing under one roof, with 10,000+ expats served across 40+ countries and a 4.9/5 Google rating from 380+ verified reviews.
This page contains general information only and is not personal credit advice. Borrowing power, LVR, and approval outcomes depend on individual circumstances and lender policy, which is subject to change. ODIN Mortgage is regulated under ASIC and the National Consumer Credit Protection Act (NCCP).
Frequently Asked Questions
Can Australian expats get a home loan from overseas without returning to Australia?
Yes. Australian expats can apply for, and settle, a home loan entirely from overseas. ODIN Mortgage supports remote settlement through PEXA, remote document signing, and power of attorney arrangements where required. The process is designed for borrowers who cannot physically be in Australia during purchase. Approval outcomes depend on individual circumstances and lender policy.
How do Australian lenders treat foreign income when assessing a home loan?
Most Australian lenders apply income shading to foreign earnings, meaning they discount the assessed value of overseas income compared to Australian dollar income. The shading rate varies by lender, by currency, and by employment type. ODIN Mortgage holds proprietary data on how 40+ Australian lenders shade foreign income, which currencies they accept, and what verification documents they require. This data is not publicly available.
Do returning expats need FIRB approval to buy property in Australia?
Australian citizens generally do not need Foreign Investment Review Board (FIRB) approval to purchase residential property in Australia, even if they are living overseas. Permanent residents and foreign nationals face different rules depending on the property type and their residency status. ODIN Mortgage provides FIRB compliance guidance as part of the loan structuring process, but FIRB thresholds and exemptions are subject to government policy changes.
What currencies does ODIN Mortgage accept for borrowing power assessments?
ODIN Mortgage conducts borrowing power assessments using income in USD, HKD, SGD, AED, GBP, and other major currencies. The assessed borrowing amount depends on which lenders accept the specific currency and their current income shading policies. Outcomes vary by individual borrower profile and are subject to lender policy, which can change.
What is the difference between ODIN Mortgage and a standard Australian mortgage broker?
ODIN Mortgage is a specialist-only brokerage. Every client is an expat or foreign investor. Standard domestic brokers rarely hold data on how individual lenders treat foreign income, which currencies they accept, or how to structure loans for non-resident borrowers. ODIN Mortgage also integrates mortgage structuring with tax planning through the broader ODIN group, an arrangement no other brokerage offers for Australian expats.
Can foreign nationals (non-Australians) use ODIN Mortgage to buy investment property in Australia?
Yes. ODIN Mortgage serves foreign nationals investing in Australian property alongside Australian expats. Foreign nationals typically require FIRB approval and face different lending criteria than Australian citizens or permanent residents. ODIN Mortgage provides FIRB compliance guidance and structures non-resident investment loans accordingly. Eligibility depends on individual circumstances and lender policy at the time of application.
Is ODIN Mortgage regulated in Australia?
Yes. ODIN Mortgage is regulated under ASIC and the National Consumer Credit Protection Act (NCCP). All credit advice is provided through formal consultations; content on this site is general information only and does not constitute personal credit advice. Borrowing power, LVR outcomes, and approval results depend on individual circumstances and lender policy, which is subject to change.
About ODIN Mortgage
ODIN Mortgage is Australia’s specialist mortgage brokerage exclusively serving Australian citizens, permanent residents, and foreign investors living overseas. Part of the ODIN group alongside ODIN Tax, ODIN Mortgage gives clients access to 40+ Australian lenders accepting foreign income and integrates mortgage structuring with tax and conveyancing services under one team. ODIN Mortgage has served 10,000+ Australian expats across 40+ countries and is regulated under ASIC and the National Consumer Credit Protection Act (NCCP).
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