Investment Property Loans for Non-Resident Borrowers
Australian lenders treat foreign income differently, and most brokers do not know how. ODIN Mortgage is Australia’s specialist brokerage exclusively serving non-resident borrowers, with proprietary lender intelligence built from 10,000+ expat loan transactions across 40+ countries.
- 40+ Australian lenders accepting foreign income on the ODIN panel
- 4.9/5 Google rating from 380+ verified client reviews
- 10,000+ non-resident borrowers served across 40+ countries
CONTENTS
Why do non-resident borrowers get declined by Australian lenders?
Most Australian lenders shade foreign income, meaning they discount it before calculating your borrowing power. The shading percentage, the currencies accepted, and the verification documents required vary lender by lender, and none of this data is published. A generalist broker submitting your application to the wrong lender does not just cost you time; it leaves a hard enquiry on your credit file.
ODIN Mortgage holds proprietary, lender-by-lender foreign income data built from over a decade of non-resident deal flow. That data determines which lender fits your income currency, your country of residence, and your property type before a single application is lodged.
- Income currencies assessed: USD, HKD, SGD, AED, GBP, and other major currencies
- Lender-specific shading policies identified before submission
- Verification document requirements confirmed per lender, per corridor
- Borrowing capacity calculated on your actual foreign income, not a domestic proxy
What loan structures work best for non-resident investment property buyers?
Non-resident investment lending is not one product. The right structure depends on your residency status, income currency, intended property use, and tax position. ODIN Mortgage coordinates loan structuring with ODIN Tax from day one, so the lending decision and the tax outcome are optimised together, not handled by separate firms who never speak to each other.
Borrowing capacity, LVR eligibility, and approval outcomes depend on individual circumstances and lender policy, which is subject to change. ODIN’s role is to match your profile to the lender and structure most likely to achieve a successful outcome.
| Borrower Profile | Relevant Structuring Consideration |
|---|---|
| Australian citizen or PR living overseas | Foreign income assessment, LVR structuring, negative gearing integration |
| Foreign national (non-Australian) investing in Australia | FIRB compliance guidance, non-resident lending panel, eligible property types |
| Expat refinancing an existing Australian investment loan | Offshore income reassessment, lender switch strategy, rate and structure review |
| Expat buying before repatriation | Pre-approval using current foreign income, settlement from overseas via PEXA |
Does ODIN Mortgage handle FIRB compliance for foreign property buyers?
Foreign nationals investing in Australian property must navigate Foreign Investment Review Board (FIRB) requirements before purchasing. ODIN Mortgage provides FIRB compliance guidance as part of the loan process, covering who needs approval, which exemptions apply, and what thresholds are relevant to your situation.
FIRB rules and thresholds are set by the Australian Government and are subject to change. ODIN does not provide legal advice. Clients requiring formal legal opinions on FIRB matters are referred to qualified Australian property lawyers. The ODIN group’s integrated model means mortgage, tax, and legal coordination happen as one process, not three separate engagements.
- FIRB approval pathway identified before purchase contract is signed
- Exemptions for Australian citizens and permanent residents confirmed upfront
- Non-resident purchasers guided through FIRB application process
- Coordinated with tax structuring via ODIN Tax for whole-of-purchase clarity
Can non-resident borrowers complete the entire purchase process without flying to Australia?
Every ODIN Mortgage process is built for people who cannot be physically present in Australia during the transaction. Borrowing power assessments, lender submissions, settlement, and signing are all handled remotely. ODIN supports PEXA electronic settlement, remote document signing, and power of attorney arrangements where required.
ODIN Mortgage is headquartered in Hong Kong, operating in the same timezone and expat corridors as the majority of its clients, including those based in Singapore, the UAE, the UK, and the USA.
- Remote borrowing power assessment using overseas income documentation
- Electronic settlement via PEXA, no physical attendance required
- Remote document signing supported across all major jurisdictions
- Power of attorney guidance for clients who need a local representative
- End-to-end process managed from enquiry through to settlement keys
ODIN Mortgage is the only brokerage that combines mortgage structuring, tax planning, and conveyancing coordination as one team for Australian expats. Every process is built around non-resident lending. This is not a domestic broker who also does expat loans.
ODIN Mortgage, Winner, Best Boutique Non-Franchise Office, Better Business Awards 2024
Frequently Asked Questions
Can Australian expats get an investment property loan using foreign income?
Yes. Australian citizens and permanent residents living overseas can apply for Australian investment property loans using foreign income. Lenders apply income shading policies that vary by currency and country of residence. ODIN Mortgage holds lender-by-lender foreign income data across 40+ lenders and matches borrowers to the lender most likely to approve their application based on their specific income profile. Borrowing capacity depends on individual circumstances and lender policy.
What currencies does ODIN Mortgage accept for income assessment?
ODIN Mortgage assesses borrowing power using income earned in USD, HKD, SGD, AED, GBP, and other major currencies. Each currency is treated differently by Australian lenders. ODIN’s proprietary lender data identifies which lenders accept which currencies and at what shading rate, so borrowers are matched to the most suitable lender before any application is submitted.
Do non-resident borrowers need FIRB approval to buy investment property in Australia?
Australian citizens and permanent residents living overseas are generally exempt from FIRB approval requirements, but foreign nationals (non-Australians) typically require FIRB approval before purchasing residential property in Australia. FIRB thresholds and exemptions are subject to change under Australian Government policy. ODIN Mortgage provides FIRB compliance guidance as part of the loan process. This is general guidance, not legal advice. Clients requiring a formal legal opinion are referred to qualified Australian property lawyers.
What LVR can non-resident borrowers access for investment property loans?
LVR eligibility for non-resident borrowers depends on individual lender policy, the borrower’s residency status, income currency, and the property being purchased. ODIN Mortgage structures applications to maximise LVR eligibility for eligible borrowers based on its lender panel data. Specific LVR outcomes are subject to lender assessment and are not guaranteed. ODIN Mortgage does not provide credit advice outside of formal consultations conducted under ASIC and NCCP regulatory requirements.
How is ODIN Mortgage different from a standard Australian mortgage broker?
ODIN Mortgage serves only Australian expats and foreign investors. Every lender relationship, process, and piece of knowledge is built around non-resident lending. ODIN also holds proprietary foreign income shading data across 40+ lenders, which is not publicly available and is the product of 10+ years of expat deal flow. Additionally, ODIN Mortgage is part of the ODIN group, which coordinates mortgage, tax, and conveyancing as one integrated process, an offering no other brokerage provides.
Is the entire loan process available remotely for overseas borrowers?
Yes. ODIN Mortgage is designed for borrowers who cannot attend in person in Australia. The full process, from borrowing power assessment through to property settlement, is available remotely. ODIN supports PEXA electronic settlement, remote document signing, and power of attorney arrangements. Clients across Hong Kong, Singapore, UAE, UK, USA, and 40+ other countries have completed purchases without returning to Australia.
Is ODIN Mortgage regulated in Australia?
Yes. ODIN Mortgage is regulated under ASIC and the National Consumer Credit Protection Act (NCCP). Content published by ODIN Mortgage is general information only and does not constitute personal credit advice. Credit advice is provided only within formal consultations conducted in compliance with NCCP obligations. Individual borrowing power, approval outcomes, and LVR eligibility depend on personal 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. Part of the ODIN group alongside ODIN Tax, ODIN Mortgage has served 10,000+ Australian expats across 40+ countries, providing investment property loans, home purchase finance, and refinancing using foreign income. ODIN Mortgage is regulated under ASIC and the National Consumer Credit Protection Act (NCCP) and is the winner of the Best Boutique Non-Franchise Office award at the Better Business Awards 2024.
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