Loans for Overseas Residents | DJ Mortgage

Australian property market has experienced steady long-term growth, attracting a large number of investors from China, Hong Kong, Singapore, Malaysia, and other overseas regions to purchase properties.

Even if you do not live in Australia, do not have Australian income, do not have PR or citizenship, you still have the opportunity to successfully obtain a home loan.


DJ Mortgage has extensive experience in lending to overseas individuals and is familiar with the policies of various banks for non-resident clients, enabling them to help you complete the entire loan process remotely.

Why do overseas individuals choose Daji Credit?

Communicating entirely in Chinese, cross-border applications are no longer difficult.

No matter where you are: • Mainland China • Hong Kong • Taiwan • Singapore • Malaysia, we can assist with remote loan applications. You can send your documents via WeChat/Email.

Scope of loan services for overseas individuals

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Chinese Investor Loans

More and more Chinese buyers are choosing to invest in Australian real estate because:



  • Market stability
  • Policy transparency
  • Freehold ownership (most detached houses)
  • Good rental returns
  • Currency value has remained relatively stable in the long term.


We are familiar with the most common pain points of our Chinese customers:


The issues that Chinese buyers are most concerned about include:

  • Are overseas incomes accepted by banks?
  • What is the maximum amount that overseas individuals can borrow? What is the loan-to-value ratio?
  • What is FIRB? Is it mandatory to apply?
  • Can bank statements from the Bank of China be used as proof of income?
  • Do I need to come to Australia for a visa interview?


Daji Credit will provide clear guidance at every step to make buying property overseas easier.

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Features of Non-resident Loans

✔ Loan-to-Value Ratio (LVR)

Most banks offer:

  • 60%–70% LVR (Loan-to-Value Ratio), which can be achieved in some cases:
  • 80% (some lenders)


✔ Interest Rate Level

Generally, the price is slightly higher than that for Australian residents, but there are still preferential schemes available for application.


✔ Types of real estate available for investment

Overseas buyers can purchase:

  • Apartment
  • Townhouse
  • detached house
  • Newly built properties (FIRB required)
  • Land building (in some areas) (case-by-case assessment required)


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FIRB Guidelines (Foreign Investment Review Board)

Non-Australian residents typically need FIRB approval to purchase property.


Who needs FIRB?

✔ Chinese buyers ✔ Holders of tourist visas/student visas/work visas ✔ Other overseas individuals


In what situations is FIRB not used?

  • Australian citizens
  • Permanent Resident (PR) (most cases)
  • Purchase of a home by marrying an Australian citizen (exempt)



What can you buy with FIRB?

  • New Property
  • Off-the-plan properties
  • Vacant land (to be used for self-occupation or rented out after building a house).
  • In certain special circumstances, it is permissible to purchase a second-hand home (subject to policy compliance).


We will assist with: ✔ Determining your FIRB eligibility ✔ The application process ✔ Document preparation


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How Banks Assess Overseas Income

Banks typically require:


  • Overseas payslips
  • Tax certificate (if any)
  • Company verification letter (e.g., for self-employed individuals)
  • Bank statements (past 3–6 months)


Key points for income verification:

  • Is it stable?
  • Is income officially recorded?
  • Can the authenticity be verified?



Daji Credit will check your documents in advance to reduce the risk of rejection.

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Remote Application Process

You can get a loan even if you are not in Australia:


The steps are as follows:


  1. Free assessment (via WeChat/phone)
  2. Submit income and asset documents
  3. Choose the bank and interest rate plan that suits you.
  4. Formal loan application
  5. Bank approval (approval time: 5–14 days)
  6. Complete remote document signing after loan approval
  7. Lawyers/agents assist in completing property transfer



The whole process can be done without coming to Australia, which is very convenient.

Foreigner Loan FAQ

  • 1. Are loan interest rates always higher for overseas individuals than for Australian residents?

    uncertain.


    Some non-bank lenders offer interest rates to overseas individuals that are close to those of local customers, provided they have stable income and complete documentation.


  • 2. I have no tax filing records in China. Will banks still accept my income?

    Can.


    Some banks accept:

  • Bank statements

  • Income certificate issued by the company

  • Overseas payslips


    • We will match you with the most suitable lender based on your documents.

  • 3. Can overseas residents buy second-hand homes?

    Normally not, unless it falls under:

  • Australian resident spouse

  • Special Circumstances Exemption


    • Otherwise, you need to purchase a new or off-plan property through FIRB.