5% depost scheme, stamp duty waive, first home buyer

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:

• Age: 42Y
• Visa type: Subclass 600 Visitor Visa
• Occupation: Business owner (Self-Employed)
• 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

Wei is a 55-year-old self-employed wholesaler based overseas. His daughter recently moved to Brisbane to begin her university studies and had been renting an inner-city apartment, with all costs covered by Wei.

Looking to provide a more stable and long-term living arrangement—and reduce the ongoing cost of rent—Wei decided to purchase a home in Brisbane for his daughter to live in during her degree, while also serving as accommodation for family holidays in the future.

🔍 Client Background:

• Age: 55Y
• Occupation: Wholesaler (Self-Employed)
• Loan purpose:  Purchasing a home for daughter’s education and residence
• Deposit: 25% (Loan-to-Value Ratio 75%)

❗️ Challenges Faced by the Client:

• As a non-resident with no local Australian income, Wei needed a lending solution that would recognize his overseas earnings and support his investment plans.

✅ Our Solution:

• With a strong understanding of the client’s financial profile, our team sourced the most suitable lending solution. By providing two years of tax returns and six months of business bank statements, Wei, a self-employed wholesaler, was able to demonstrate his income and secure a $1,140,000 loan over a 30-year term.

🎉 Outcome:

• Australian real estate continues to be recognized as a globally stable and reliable asset class. With the right guidance and documentation, non-resident buyers can access home loans using overseas income—even without local employment or residency.

Whether you're looking to support your child’s education, diversify your portfolio, or secure a long-term base in Australia, we’re here to help you make it happen.

Since arriving in Australia from London in the early 90’s, Joe’s entrepreneurship has seen him acquire a vast commercial property portfolio, all while sustaining a thriving kitchen supplies business in inner-Adelaide. As a self-employed investor, he faced the challenge of refinancing a commercial property to buy out a co-owner who wished to sell, restructure the loan under his family trust, and access extra funds for a future property deposit.

🔍 Client Background:

• Age: 60Y
• Occupation: Retailer and Property Manager (Self-Employed)
• Loan purpose:  Refinance a commercial property to buy out a co-owner and restructure the loan under a family trust.

❗️ Challenges Faced by the Client:

• With multiple trading entities, holding companies, and trusts involved, assessing Joe’s trading and rental income, as well as his overall borrowing structure, was a complex task.

✅ Our Solution:

• With extensive experience in handling complex cases, our team carefully assessed Joe’s multiple property ownerships, income sources, liabilities, and lease arrangements to find the right loan product. By using accountant certification and lease agreements to verify his income, we were able to secure loan approval smoothly and efficiently.

🎉 Outcome:

• He's now actively searching for his next opportunity — confident that his current loan has no interest cover ratio and no revaluation clause, giving him flexibility and peace of mind.