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Frequently case study

Even without an Australian visa, has no Australian credit record and his/her income comes from overseas, the client was still able to secure a home loan and purchase property in Australia by being matched with the right lending solution.


Here’s a recent success scenario from one of our clients:


🔍 Client Background:

  • Nationality: Chinese
  • Visa type: Subclass 600 Visitor Visa
  • Occupation: Business owner (Self-Employed)
  • Home loan purpose: Purchase an apartment in Sydney, valued at $700,000
  • Deposit: 30% (Loan-to-Value Ratio 70%)


❗️ Challenges Faced by the Client:

  • Visa Status: Not a permanent resident
  • Income Structure: All income derived from overseas companies, not in AUD
  • Credit History: No Australian credit report


✅ Our Solution:

  • After carefully assessing the client's asset structure, visa conditions, and foreign income, we identified and matched a suitable loan product designed for overseas buyers.


🏦 Recommended Loan Product:

  • Loan Amount: $490,000
  • LVR: 70%
  • Interest Rate: 6.83% p.a. (principle & interest)
  • Risk Fee: 0.5%, one-time, capitalizable into the loan
  • Loan Term: 30 years
  • Estimated Monthly Repayment: Approx. $3,220


🎉 Outcome:

  • The client successfully received pre-approval and completed full loan approval within 6 weeks, finalizing the purchase of a Sydney apartment and achieving their property ownership goal in Australia.


📌 Product Highlights:

  • Supports applications from overseas clients - no Australian visa required 
  • Accept foreign income 
  • Competitive interest rate at 6.83%
  • Risk fee can be capitalized



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Austread Finance Pty Ltd

Licensed under Australian Credit Licence No. 490764


LIL Finance Pty Ltd

ABN: 21 615 539 510

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