Home loans for expat investors
Whether it’s to expand your Australian investment portfolio, or establishing a long-term pathway back home, a Bluestone Expat Home Loan could help make it a reality.
Enjoy flexible income assessments, a common-sense approach, and the dedicated service Bluestone is known for. Talk to your broker to explore your options.
Discover our unique approach
150+ Countries
Borrowing power
No extra tax
Flexible income
The low-down on our
expat investment loans
$3 million
80%
5 years
30 years
To be eligible for a Bluestone Home Loan, you’ll need to be an Australian or New Zealand citizen over the age of 18, and meet other eligibility and approval criteria.
Ready to crunch the numbers?
Understanding the financial impact of your potential new loan will help plan your budget, alongside your expenses.
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Our curated selection of the latest market insights, guides and tactics to help achieve your property ambitions.
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Have Questions?
We’re always here to help! Check out our full list of FAQs or get in touch with our team.
Who does Bluestone consider an expat?
Who does Bluestone consider an expat?
At Bluestone, we consider an expat to be any Australian citizen, or permanent resident, who is living overseas and earning income in a foreign currency.
What restrictions are there on country of residence?
What restrictions are there on country of residence?
We can assist customers residing in most countries; however, we’re unable to accept applications from countries that are subject to sanctions as outlined by the Australian Department of Foreign Affairs and Trade (DFAT).
If I live overseas, do I need to give power of attorney to someone in Australia?
If I live overseas, do I need to give power of attorney to someone in Australia?
No power of attorney is required. However, you will need an Australian-based representative to help complete certain forms during the application process.
How much can I borrow with a Bluestone Expat loan?
How much can I borrow with a Bluestone Expat loan?
Depending on your Loan-to-Value Ratio (LVR), you may be able to borrow up to $3 million with a Bluestone Expat loan.
What does foreign income shading mean?
What does foreign income shading mean?
Income shading is a way lenders account for currency fluctuations when assessing overseas income. At Bluestone, we apply a flat 10% shade to all foreign income to ensure your loan remains affordable even if exchange rates change.
The Legal Bits
To be eligible for a Bluestone Commercial Property Loan, you’ll need to be an Australian resident over the age of 18 with a credit profile, and meet other eligibility and approval criteria. The amount that we will lend is determined based on the applicant’s creditworthiness and other lending criteria. See our Target Market Determination for further details.
* Principal and interest rate displayed as an example, based on a Full Doc Commercial Property Loan. Different rates may apply for interest only repayments. Rates offered will vary depending on a number of factors including individual credit risk, stability of income, LVR, the length of the term of a loan, the amount borrowed, the purpose of the loan and prevailing market conditions. All interest rates quoted are for new business only, are expressed as a nominal annual percentage rate and are subject to change. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
** Comparison rates displayed are calculated on secured loan of $150,000 over a term of 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.