Home loans for Aussie expats
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
About our Expat Home Loans
- Unlimited cash out and ability to consolidate tax debts
- Fee-free redraw and offset sub-account
- Up to 5 years interest-only
- Refinance or purchase an Australian property
- Flexible options for income verification, including for self-employed borrowers.
Expat Home Loan rates
$3 million
80%
5 years
30 years
To be eligible for a loan with us, you’ll need to be an Australian or New Zealand citizen or permanent resident 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.
Your latest market insights
Our curated selection of the latest market insights, guides and tactics to help achieve your property ambitions.
Testimonials
What borrowers and brokers love about Bluestone
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 loan with us, you’ll need to be an Australian or New Zealand citizen or permanent resident over the age of 18, and meet other eligibility and approval criteria. See the relevant Target Market Determination for further details.
1Full 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.
2Comparison 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.