OCBC home loan review

See what home loans you can qualify for with OCBC as an Australian expat​.

OCBC lets expats living in Hong Kong purchase residential property in Sydney, Melbourne, Perth, and Brisbane for investment purposes.

The minimum loan amount is AUD$ 200,000, and the maximum property value is AUD$ 3,500,000. The bank offers home loans for up to 30 years with a variable interest rate.

OCBC bank’s cost of funds for your desired currency will decide the interest rate on your mortgage in Australia.

Greater Bay Area Residential Property

With the current growth potential in the Greater Bay Area, this loan is aimed at businesses and investors.

This mortgage covers Zhuhai, Shenzhen, Guangzhou, and Foshan and interest rates are calculated on the Hong Kong Interbank Offered Rate (HIBOR).


Benefits of choosing OCBC Overseas Mortgage

OCBC bank offers a variety of benefits and features on its home loan packages.

Pros Cons
Approval in principle is valid for up to 12 months
The OCBC Residential Property Financing Solution is only available to OCBC Wing Hang Premier customers.
Integrated modern internet banking system for a smoother banking experience
OCBC can revise the relevant terms and conditions of the loan depending on your situation
Investment home loan packages tailored to fit your needs
Residential properties available for purchase in Sydney, Melbourne, Perth, and Brisbane
Some OCBC home loan products are not available to expats.

Allow us to find you the perfect home loan.

Apply online to get expert recommendations with real interest rates and repayments.

OCBC Overseas Mortgage review and features

Here are the main features of OCBC Wing Hang Bank’s home loan option.

Feature Details
Deposit Size
OCBC has a maximum LVR of 60%, meaning you’ll need a 40% deposit.
Hassle-free application
OCBC Wing Hang prides itself on its straightforward application process.
Repayment Options
Variable interest rates provide expats with flexible repayment options.
Package Benefits
OCBC offers currency switching, which is available throughout the package.
Interest Rates (Investment)
An AUD$ 500,000 mortgage on a 30-year term offers an annual interest rate of 1.6%.
Expat Information
Interest rates depend on your LVR and how much you want to borrow.

Facts about OCBC Overseas Mortgage

Australian residential loans will have a variable interest rate loan.

Currency switching option is available for a loan term.

OCBC Wing Hang requires a minimum property value of AUD$ 200,000 or equivalent.

How do I apply for an OCBC overseas mortgage?

When applying for a home loan at OCBC Wing Hang, you must meet the eligibility criteria and have various documents ready.

Who is eligible for OCBC overseas mortgage?

  • Hong Kong permanent residents or foreigners employed and residing in Hong Kong, like Australian expats
  • Over the age of 18

What documents will I require for OCBC home loan ?

When you apply for a home loan with OCBC, you must provide the following documents.

Form of Identification​

Passport, driver's licence, birth certificate, etc.


Bank account statements showing three months of salary income.

Existing Loan Details

Details on other loans (housing, personal, or car).

Property Details

Mortgage and rental income statements.

Allow us to find you the perfect home loan.

Apply online to get expert recommendations with real interest rates and repayments.

OCBC Wing Hang Bank Products

OCBC bank offers other home loan products, including the following:

Overseas Residential Property Financing Solutions

OCBC Wing Hang Bank offers financing solutions that can help you purchase properties in Australia. You can typically buy properly worth a maximum property value of $3,500,000.

Was our OCBC Wing Hang mortgage loan review helpful? Let us know by contacting us at support@odinmortgage.com.

Other Australian lender reviews

OCBC Home Loan FAQs

OCBC offers a variety of features on their home loans for those looking to purchase in Australia. It includes a hassle-free application process and currency switching throughout the loan’s lifetime. These features are available to buyers looking to buy a new property in Australia or invest in the market.

Yes. OCBC is now allowing customers to buy property in Australia. OCBC finances property purchases in Sydney, Melbourne, Perth, and Brisbane. The minimum loan amount is AUD$ 200,000, and the maximum property value is AUD$ 3,500,000.

Yes. Australian expats living in Hong Kong can purchase a residential property in Australia for investment purposes. OCBC Wing Hang will allow expats to buy properties in Sydney, Melbourne, Perth, and Brisbane. LVRs will differ depending on where you want to purchase the property.

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