Скачать или смотреть Important Things To Know About Home Loans For Expats

So expat lending is something were really what you want to be doing is managing your expectations. What we see is lots of customers who come in and they look at traditional rates offered to someone who is working in Australia year and buying a property in Australia and think, well, that's going to apply to me, I just need a loan. But I happen to be working overseas and earning money, usually in another currency. And what you need to think about is that in expat lending, there are really 3 things that are likely going to happen. First of all, the banks aren't going to lend you as much money. So instead of lending you 80 or 90%, they might only lend you 70% of the value of the property. The second thing is they won't take all of your income into account. In a lot of cases, if you're earning $100,000 Australian or the equivalent overseas, they might only count 90 or $80,000 of that when working out how much they're going to lend you. And in some cases, they won't lend based on the type of currency that you're actually getting paid in as well. So this is often a factor. And then the third thing is that for lenders who will accept a broader range of currencies or perhaps won't shade that income, they're going to charge a higher rate. So as long as you come into an expat deal thinking, okay, I may not be able to borrow as much, I may not be able to get as big a loan, and I may have to pay a bit more, there's generally going to be options for you.

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UNO Home Loans is Australia’s #1 Online Mortgage Broker. We have brokers all across Australia who are able to help Australians buy their first home, buy their next home, buy an investment property or refinance their home loan. Our online mortgage brokers are supported by our customer care team who make the home loan application process fast and easier. Our online mortgage broker technology has won design awards and helps Australians who want home loan advice and expertise and to get the best deal for their circumstances. UNO provides online tools, calculators and articles that help Australians understand their borrowing power, calculate their stamp duty and understand the process of buying their first home, buying their next home or refinancing a home loan. For Australians who want to research property values as part of their first property purchase or next property purchase we provide a free online property research tool that lets you look at how property prices, house prices and unit prices have changed over the last 12 months by state, suburb or postcode.

UNO provides home loans from over 20 lenders including Commonwealth Bank, Westpac, ANZ, National Australia Bank, Adelaide Bank, ING Bank, Suncorp, Bankwest, Resimac, Bluestone, Macquarie Bank, La Trobe, Pepper Money and ubank


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