Expat & Non-Resident Loans

Smart property finance for Australians abroad and eligible international investors

We offer expat and non-resident loans that simplify cross-border property investment—structured for clarity, flexibility, and long-term growth.

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When Does an Expat or Non-Resident Loan Make Sense?

If you’re an Australian citizen living overseas, an eligible international citizen, or a foreign national with FIRB approval, securing a traditional home loan in Australia can feel out of reach. That’s where we step in.

Expat and non-resident loans are designed to help you buy, refinance, or invest in Australian property while living abroad. These specialised products work with your foreign income, address regulatory requirements, and allow you to invest back home—on your terms.

Who Expat & Non-Resident Loans Are For

These loan options are tailored for:

Australian expats

working or living abroad

Eligible international citizens

investing in Australian real estate

Foreign nationals

with FIRB approval

Expatriates

seeking to refinance, consolidate debt, or access equity on existing Australian properties

Dual-income applicants

earning in multiple currencies

Key Features of FYX Finance Expat & Non-Resident Loans

Up to 80% LVR for expats; 75% for non-residents

Competitive fixed, variable, or hybrid interest rates

Flexible terms up to 30 years

Accepted foreign income in major currencies (USD, EUR, SGD, etc.)

Custom loan structures to suit income sources and location

FIRB guidance and approval support for foreign nationals

Redraw and additional repayment options available (product dependent)

Equity access and debt consolidation support for returning expats

How Our Expat & Non-Resident Loans Work

At FYX Finance, we know global borrowers need lending solutions that adapt—not resist. Whether you’re halfway around the world or planning your return, our loan structures are designed to move with your life, not slow it down.

For Australian Expats

If you’re an Aussie citizen living offshore, you still have a direct line to the property market back home—with fewer hurdles and more flexibility.

Borrowing Power: Access up to 80% LVR, depending on your income, currency, and lender appetite.
Loan Term: Up to 30 years, structured around your goals—investment, family, or future relocation.
Accepted Currencies: AUD, USD, GBP, EUR, SGD and others commonly accepted.
FIRB Status: Not needed—your Australian citizenship keeps the door open.
Income Verification: Full-doc requirements apply, with acceptable proof ranging from overseas payslips to international tax returns.
Eligible Uses: Buy your next home, refinance your current loan, or access equity from an existing property.
Redraw Access: Available on select products for added flexibility.
Repayment Types: Choose Interest-Only or Principal & Interest, depending on your cash flow preferences.

For Foreign Nationals & Non-Residents

Investing from abroad as a non-resident is absolutely possible—just more structured. We help make sense of the steps and tailor the approach to meet lender and legal expectations.

Borrowing Power: Generally capped at 75% LVR, though lower may apply for specific properties or currencies.
Loan Term: Available up to 30 years, depending on lender criteria and property use.
Accepted Currencies: USD, SGD, HKD, CAD, and more are typically considered—but always subject to lender policy and exchange risk buffers.
FIRB Status: Mandatory. You’ll need Foreign Investment Review Board approval to proceed with most property purchases.
Income Verification: Full-doc only—foreign income must be clearly documented and in a supported currency.
Eligible Uses: Primarily for purchase or refinance—equity release and cash-out are often restricted.
Redraw Access: Generally not available under non-resident lending policies.
Repayment Types: Most products support Principal & Interest only, aligning with repayment obligations under FIRB rules.

Whether you’re looking to build wealth across borders or come home with a plan, FYX Finance will help you decode the lending landscape—and structure a solution that genuinely works for you.