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.
What we offer
Invest in Australia while living in over 150 countries.
Up to 90% net foreign income counted towards borrowing power.
No extra Australian tax calculated on foreign inome.
Apply with PAYG, self-employed or variable income.
| Loan details | |
| Rates from (P&I) | 6.64 p.a.* |
| Comparison rate from (P&I) | 6.91 p.a.** |
| LVR up to | 80% |
| Borrow up to | $3 million^ |
| Foreign income shading | 10% |
| Eligibility | Australian or New Zealand citizen |
| Interest only | Available |
*Full Doc Principal and Interest Rates displayed as an example. Rates 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.
**Comparison rate: Any comparison rate displayed is based on secured credit of $150,000 over a term of 25 years. WARNING: This comparison rate is 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.
^The amount that may be borrowed is subject to eligibility and approval criteria. The final loan amount is determined based on the applicant’s creditworthiness, income, existing debt, and other financial factors.
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.
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