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Loan Solutions for Non-Residents, Expats & Visa Holders

Financing Your Australian Dream—Wherever You Are

Whether you’re an expat looking to invest back home, a skilled migrant working in Australia, or a visa holder aiming to purchase property

Talk to Your Loan expert
Gold Finance – Best Mortgage Broker in AustraliaNon-Resident / EXPAT/VISA Holder

Why Choose Non-Resident / Expat / Visa Holder Loans?

Investing in Australia as a non-resident or temporary visa holder is more achievable than ever. At Gold Finance Group, we help you tap into Australia’s strong property market and build your financial footprint—even if you’re not yet a citizen or permanent resident.

Unlock Investment Opportunities

Our expert brokers help you enter Australia’s thriving property market—whether for a future home, rental income, or capital gains.

Diverse & Inclusive Loan Products

Choose from home loans, personal loans, or even business loans—all customised to your income source and visa type.

Use Overseas Income to Your Advantage

Many lenders accept foreign-earned income, helping increase your borrowing capacity without needing an Australian job history.

Flexible, Global-Friendly Solutions

We structure loans that support your lifestyle, income setup, and long-term goals—no matter where you live or earn.

Loan Solutions for Non-Residents, Expats & Visa Holders

Features of Non-Resident / Expat Loans

Loans for non-residents and visa holders are designed with flexible terms and tailored benefits to support international borrowers. Whether you're on a temporary visa, student visa, or working visa, these loan options offer the opportunity to invest, settle, or grow financially in Australia—without the need for citizenship or permanent residency.

By recognizing the unique circumstances of non-residents, lenders provide solutions that consider overseas income, varied documentation, and specific borrowing needs. These loans help bridge the gap for those looking to buy property, start a business, or fund personal goals while living or working in Australia. It's a step toward financial inclusion and long-term opportunity, even before gaining full residency status.

Save More with Gold Finance
1

Customised Loan Options: Tailored to your visa type, income source (onshore or offshore), and property goals

2

Dual Income Considered: Combine incomes from both local and overseas applicants to boost borrowing capacity

3

No Residency Needed: Apply without the need for Australian citizenship or permanent residency.

4

End-to-End Support: Expert guidance in preparing financial documents and meeting lender requirements.

Frequently Asked Questions (FAQ)

  • Yes, non-residents and visa holders can buy property in Australia, though certain types of property may require FIRB (Foreign Investment Review Board) approval.

  • Visa holders on 482, 491, 188, 500, and similar categories may be eligible. Expats with Australian citizenship living abroad can also qualify.

  • Yes, many lenders accept overseas income, provided it’s verified through payslips, tax returns, or employer letters.

  • Some lenders may charge a higher interest rate or LVR restrictions. FIRB approval fees may also apply for certain property types.

  • We simplify the process, match you with the right lender, assist with documentation, and negotiate on your behalf—ensuring a smooth loan approval.

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Work Proccess

How Expats & Non-Residents Can Secure a Loan in 4 Easy Steps

1

Initial Assessment

Understand your goals, income sources, and visa type.

2

Eligibility Check

We match you with lenders based on your status—whether you're on a 457/482 visa, student visa, or offshore expat.

3

Document Preparation

Collect key documents such as passport, visa, overseas income proof, credit report, and ID.

4

Loan Approval & Settlement:

Once approved, review and sign your loan contract. Funds are disbursed, and your property or financial goal becomes reality

10 years of working experience

Gold Finance – Best Mortgage Broker in AustraliaNon-Resident / EXPAT/VISA Holder

Why Choose Us?

  • Expert Knowledge:

Our team specializes in helping homebuyers secure tailored loan solutions.

  • Full-Service Support:

From initial consultation to settlement, we are with you every step.

  • Personalized Strategies:

We craft solutions that align with your financial goals.

  • Smart Savings:

Our streamlined processes and expert insights help you save time and money.

Gold Finance Group
4.9
Based on 20 reviews
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David Reid
23:42 10 Apr 25
The Gold Finance team were friendly, helpful and made the process less stressful. I highly recomend them to anyone looking for a broker.
Renante Ampatin
10:22 19 Mar 25
I highly recommend gold finance group for smooth and fastest approval process for my home loan. Thank you Josh & Ash for the help and your hard work.
hannah yeboah
10:08 19 Mar 25
From start to finish I felt that my needs and concerns were heard. Josh was very professional and understanding at the same time. I will definitely refer my family and friends to the company
tetsuya suzuki
07:12 25 Nov 24
Got me a great home loan and refinancing, will definitely return for next property
Ethan Blankanette
10:31 09 Nov 24
Gold Finance Group were unreal ! Ash and Josh were very assertive and supportive from the start. As a first time young investor/home buyer not only did they assist me through the whole process but they mentored me through it all too. Ash and Josh always took their time to discuss best options and never gave up to get the best loan rates. Always had frequent zoom calls with updates when face to face meetings wasn't possible due to busy work schedules, Professional advice, proactive planning and a brilliant attitude. I highly recommend them and look forward to using them again in the future !
Kim ho
05:24 24 Oct 24
Friendly and helpful. Quick response
Anuj
00:57 26 Sep 24
I had a fantastic experience with Gold Finance Group for my home loan. The team was incredibly professional and was clear from the start. Ash made the entire process smooth and hassle-free. I would highly recommend their services to anyone looking for reliable financial guidance. Plus, their customer service was excellent—quick responses and always willing to answer any questions.
Davis Osei
09:59 23 Sep 24
I am very much satisfied with Gold Finance Group. I highly recommend their services to anyone looking for home, investment or commercial loans. The managers take their time to listen, offer you lots of options and assist you in decision making. I’m extremely satisfied with the results and recommend them to anyone looking to secure their financial future
Prince Acheampong` Opoku
00:12 23 Sep 24
We had a great experience with Gold Finance Group. Josh provided exceptional customer service, stepping us through the entire process and was readily available to answer all our questions. Josh secured us a good mortgage rate with a reputable bank and made the process easy. From our initial loan enquiry, right through to settlement of our new property, Josh and his team were outstanding. I highly recommend their services. We would definitely use Mortgage Brokers Melbourne for future financial services 100/100.
Portia Opoku Boadi
23:36 22 Sep 24
Gold Finance Group has been instrumental in helping me move closer to my dream of owning a home. Their commitment to assisting everyday Australians achieve property ownership and financial freedom is clear in everything they do. The team is professional, patient, and always willing to go the extra mile to ensure that you understand the process and had the best options available. Thanks to them, I feel more confident about my financial future. I highly recommend their services to anyone looking for reliable financial guidance!

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