Expat Home Loan
Home Loans
Expat Home Loan
- From (investment)
- 7.39%
- 7.66% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable The rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower and repayment types. | 7.39% | 7.66% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Legal fee | Upfront | From $400.00 |
| Loan settlement fee | Upfront | $120.00 |
| Establishment fee | Upfront | $590.00 |
| Valuation fee Covered up to $400 | Upfront | From $0.00 |
| Risk fee The rate shown calculates the minimum risk fee applicable, which cannot exceed 0.50% of the principal loan amount (excluding other fees and charges). The applicability and amount of the risk fee is determined by the lender using credit assessment criteria, including LVR and can be paid upfront or added into the loan | Upfront | 0.5% of balance |
| Loan discharge fee | Exit | $500.00 |
| Monthly account keeping fee Charged monthly | Ongoing | $15.00 |
| Loan variation fee |
Features
- Offset account
- 100% offset facility. No additional fees. One offset facility per variable loan split.
- Redraw facility
- Redraw facility allows you to access extra repayments made.
- Extra repayments
- Interest Only available up to 5 years.
Eligibility
- Residency status — Australian or New Zealand citizens or permanent residents living overseas
- Investment purpose only
- Minimum age — 18 years
Constraints
- Maximum loan term 30 years
- Minimum limit — $100,000.00
- Maximum limit — $3,000,000.00Subject to LVR, location and other credit assessment criteria
- Maximum LVR — 80%The maximum LVR, inclusive of any capitalised fees, is determined based on property location, the requested loan amount, and other relevant credit assessment criteria.
Published by Mortgage Choice Amplify under the Consumer Data Right · Last updated 6 July 2026 · Product ID Expat Home Loan