Australian Expat & Non-Resident Home Loans

How expat home loans in Australia work: foreign income shading, deposit rules, FIRB, stamp duty surcharges and tax, explained in plain English.

Bridging Loans

Bridging Loans (Bridging Finance) A bridging loan is a short-term home loan solution that can help you buy a new property before you’ve sold your current one. It’s designed to “bridge” the timing gap between settling your purchase and receiving the sale proceeds from your existing home—so you’re not forced to rush a sale, miss out on a property, or move twice. Bridging finance can be very useful in the right circumstances, but it also comes with real risks and higher short-term costs, especially if your current property takes longer to sell than expected

Owner Occupied Loans in Australia

What is an Owner Occupied Loan? An owner-occupied loan is a mortgage specifically designed for individuals purchasing residential property that they will occupy as their primary place of residence.In the Australian context, this represents the mostcommon type of home loan and typically comes with more favourable interestrates compared to investment property loans.Unlike investment loans—where you purchase property primarily to generate rental income—owner-occupied loans are tailored for owner-occupiers who intend to live in the property themselves. This fundamental distinction influences everything from lending criteria to interest rates and regulatory requirements.