Expat Loans

Finance your property purchase in Australian

Embarking on the journey to purchase property in Australia as an expat, migrant or temporary resident can feel daunting. Yet, whether you're an expat living in Australia or an overseas-based borrower, securing a loan doesn't have to be an uphill battle. At People First Finance, we specialise in providing tailored finance & mortgage broking services that cater to your distinct needs. Our expertise spans various loan types, whether you aim to buy your first home, invest in property, or build your dream house. With our dedicated expat mortgage advisors by your side, you'll navigate the often complex rules, regulations, and restrictions of the Australian property market with confidence.

Understanding your borrowing capacity is crucial when applying for a loan. Factors like your financial situation, credit history, and loan to value ratio (LVR) play significant roles in determining the loan amount you may be eligible for. As an Australian expat living abroad or working overseas, accessing a home loan from Australian banks and lenders might seem intricate, but our expertise ensures you find suitable loan options. By assessing your financial health, including bank statements and borrowing habits, our Expat Finance & Mortgage Brokers can provide guidance through the application process, helping you to access loans with favourable interest rates.

One primary concern for many expats is receiving tailored expat mortgage advice that aligns with their unique circumstances. Our team understands the challenges of securing an expat loan and works diligently to present you with expat mortgage solutions suited to your lifestyle and goals. Be it a buy-to-let investment or a home loan, we help you access loan options that promise interest rate discounts and manageable loan repayments. You can choose between fixed interest rate loans, which provide stability over time, or variable interest rate loans, which offer flexibility in changing the financial landscape. We ensure you are well-informed about the implications of each option, allowing you to make confident decisions.

Refinancing can also prove beneficial for those looking to renegotiate better rates with their current lender or access equity in their existing property. Our expertise extends towards ensuring that you maximise your existing loan's potential. Calculating the overall costs of switching lenders, including considerations such as stamp duty, lenders mortgage insurance (LMI), and any fees associated with your existing loan, is a key part of our service. Such thoroughness guarantees that you refinance under terms that are financially advantageous, maintaining your fiscal health.

For those ready to take their first steps into the property market, obtaining loan pre-approval can be a strategic move. This step offers a realistic view of your buying power and can strengthen your position in the local property market. Our streamlined application process makes applying for pre-approval straightforward, minimising the complexity and time normally associated with this stage. As your reliable expat mortgage advisors, we're committed to assisting you through each step, ensuring you feel equipped to apply for a home loan with confidence.

At People First Finance, your property goals are within reach, whether you're considering a loan for your dream home, an investment property, or you're in the initial phases of purchasing your first home. Our commitment as your finance & mortgage brokers extends beyond simply providing advice; we guide you throughout the entire mortgage application process. Ready to make your Australian property dream a reality? Reach out today to discuss how our tailored mortgage solutions can help you take the next step in property ownership confidently and effectively.