Buying or refinancing from overseas
Illustrative example — not a real client result
Considering Australian property finance when income or residency is overseas.
The challenge
A borrower living overseas wants to understand how an Australian lender may assess their income and proposed property purchase or refinance.
The approach
- Establish citizenship, residency, income currency and the proposed use of the property.
- Review income evidence, currency conversion and the lender's treatment of overseas liabilities.
- Discuss identification, settlement logistics and any legal or foreign-investment requirements with suitable advisers.
Example outcome
This example helps the borrower identify documentation and eligibility questions before making a commitment.
Overseas income and residency rules differ between lenders, and additional legal requirements may apply.