Australian Expat Mortgage Broker
Get Your Australian Home Loan From Anywhere.
ODIN Mortgage is a mortgage brokerage exclusively for Australian expats and foreign investors living overseas. From borrowing power assessments on foreign income to remote settlement, every step is handled without you flying home. This page contains general information only and is not personal credit advice.
Book your borrowing power assessment at odinmortgage.com
- 2,300+ Australian expats served across 40+ countries
- 40+ Australian lenders accepting foreign income
- 4.9/5 Google rating from 400+ verified client reviews
Why is getting an Australian mortgage as an expat so difficult?
Australian lenders treat foreign income differently, and most domestic brokers do not know how. Each lender applies its own income shading policy, accepts different currencies, and requires different verification documents. Submit to the wrong lender and you get declined, which damages your credit file.
ODIN Mortgage holds detailed lender-by-lender data on how 40+ Australian lenders shade foreign income. This data is not published anywhere. It is the product of 10+ years of specialist deal flow, and it helps ensure your application reaches the right lender for your circumstances.
- Foreign income assessed in USD, HKD, SGD, AED, GBP, and other major currencies
- Lender-matched applications based on currency, income type, and residency status
- No guesswork, no generalist brokers learning your case on the job
- Every client is an expat or foreign investor. This is not a domestic broker who “also does expat loans”
What Australian mortgage products can expats access through ODIN Mortgage?
ODIN Mortgage covers the full lending lifecycle for non-resident borrowers, from first purchase through to refinancing existing Australian properties. Borrowing capacity, LVR, and approval outcomes depend on individual circumstances and lender policy, which ODIN assesses directly with you.
| Product | Who It Suits |
|---|---|
Purchase mortgage (expat) | Australian citizens or permanent residents buying a home or investment property from overseas |
Refinancing from overseas | Expats with existing Australian mortgages seeking better loan structures |
Investment property loan structuring | Expats building or growing an Australian property portfolio, coordinated with tax planning |
Foreign investor lending | Non-Australian residents purchasing in Australia, with FIRB compliance guidance included |
Borrowing power assessment | Any expat wanting to know what they can borrow on overseas income before committing |
How does ODIN Mortgage handle tax and legal alongside the mortgage?
ODIN Mortgage is part of ODIN, which coordinates mortgage, tax, and conveyancing as one integrated team. Mortgage structuring is aligned with tax planning from day one, not handed off to separate firms who never speak to each other. This integration is available nowhere else for Australian expats.
- Negative gearing structures coordinated with ODIN Tax for tax-optimised lending outcomes
- FIRB compliance guidance built into the purchase process, including exemption assessment
- Remote settlement support via PEXA, remote signing, and power of attorney guidance
- End-to-end management from borrowing power through to settlement, fully remote
Which expat locations does ODIN Mortgage serve?
ODIN Mortgage serves Australian expats across every major corridor. The brokerage has served 2,300+ clients across 40+ countries, with deep pattern recognition across the scenarios specific to each location.
- Primary hubs: Hong Kong, Singapore, UAE (Dubai), United Kingdom, United States
- Secondary corridors: Japan, South Korea, Canada, New Zealand, Europe
- Fully remote process. No need to be in Australia at any stage of the purchase or settlement process
-
ODIN Mortgage navigated our Hong Kong income documentation with lenders we had never heard of and got our investment property approved in under four weeks. The tax team flagged a negative gearing structure our previous accountant had missed entirely -
Client review, 4.9/5 Google rating, 400+ verified reviews - Start your Australian expat mortgage assessment at odinmortgage.com
4.9 | Based On 330+ Reviews
Frequently Asked Questions
Can Australian expats get a home loan in Australia while living overseas?
Yes. Australian citizens and permanent residents living overseas can apply for Australian home loans using foreign income. Lender policies on income shading, acceptable currencies, and maximum borrowing vary significantly. ODIN Mortgage holds lender-by-lender data across 40+ Australian lenders to match each application to the right lender for the borrower’s specific income and residency profile. Borrowing power depends on individual circumstances and lender policy.
How do Australian lenders treat foreign income for mortgage applications?
Australian lenders apply income shading, which means they discount foreign income by a set percentage before calculating borrowing power. The shading rate varies by lender, currency, and income type. Some lenders accept USD, HKD, SGD, AED, and GBP at higher shade rates than others. ODIN Mortgage’s lender data identifies which lenders offer the most favourable treatment for each currency and income type. This information is not publicly available.
Do Australian expats need FIRB approval to buy property in Australia?
Australian citizens do not require Foreign Investment Review Board approval regardless of residency status. Australian permanent residents living overseas may require FIRB approval depending on the property type and purchase structure. Foreign nationals (non-Australians) investing in Australian property generally require FIRB approval. ODIN Mortgage provides FIRB compliance guidance as part of the purchase process, including exemption assessment. FIRB rules are subject to change and individual circumstances apply.
Can I refinance my existing Australian mortgage while living abroad?
Yes. ODIN Mortgage handles refinancing of existing Australian properties for clients living overseas. The process is fully remote, including lender assessment, documentation, and settlement via PEXA where applicable. Refinancing outcomes depend on current lender policies, the borrower’s income, and property equity at the time of application.
What is the difference between ODIN Mortgage and a regular Australian mortgage broker?
ODIN Mortgage is a mortgage brokerage. Every client is an Australian expat or foreign investor. Every lender relationship and process is built around non-resident lending. A domestic broker who occasionally handles expat applications does not hold foreign income shading data across 40+ lenders, does not coordinate with an in-house tax team on loan structuring, and does not have the pattern recognition built from 2,300+ expat cases across 40+ countries.
Is ODIN Mortgage regulated in Australia?
Yes. ODIN Mortgage is regulated under ASIC and the National Consumer Credit Protection Act (NCCP). ODIN Mortgage is also the Winner, Best Boutique Non-Franchise Office, Better Business Awards 2024. 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.
How does ODIN's mortgage and tax integration work?
ODIN Mortgage and ODIN Tax operate as part of ODIN. Mortgage structuring is coordinated with tax planning from the start of the purchase process. For investment property buyers, this means loan structures, negative gearing, and ownership structures are aligned before the application is submitted, not reviewed separately after settlement. ODIN is the only provider that combines mortgage brokering and tax agent services specifically for Australian expats under one team. ODIN does not provide legal advice or financial planning advice; tax and mortgage services are each delivered within their respective regulated scopes.
About ODIN Mortgage
ODIN Mortgage is a mortgage brokerage for Australian citizens, permanent residents, and foreign investors living overseas. Part of ODIN alongside ODIN Tax, ODIN Mortgage provides home loan, investment property, and refinancing services across 40+ countries, coordinated with tax planning and remote settlement support. ODIN Mortgage is regulated under ASIC and the National Consumer Credit Protection Act (NCCP), holds a 4.9/5 Google rating from 400+ verified reviews, and was named Best Boutique Non-Franchise Office at the Better Business Awards 2024.
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