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Lo Doc
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Expat Citizen
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Standard Product Suite

Expat Citizen

Explore our mortgage options for expat citizens with a flexible payment schedule, Visa debit card with a 100% offset account, and a 40-year loan term. Suitable for Australian and New Zealand citizens living and working overseas with a prime credit history. Accepts diverse securities, including multiple dwellings, small apartments, rural properties, serviced apartments, heritage listings, and more. Contact us for personalised mortgage solutions.

Product Features:
  • Flexible Payment Schedule:

    Choose a payment plan that suits your financial needs.
  • 40-Year Loan Term:

    Enjoy the flexibility of a longer loan term.
  • Visa Debit Card with 100% Offset Account:

    Access funds easily while reducing your loan interest.
Eligibility Requirements:
  • Residency:

    Open to Australian and New Zealand citizens living and working overseas.
  • Credit History:

    Applicants must have a prime credit history, allowing for minor defaults.
Accepted Securities:
  • Standard Prime Full Doc Properties:

    Standard residential properties and single dwellings on one title are accepted.
  • Multiple Dwellings:

    Up to 5 dwellings on one title.
  • Rural Dwellings:

    Properties up to 50 hectares.
  • Heritage Listed Properties:

    Properties with heritage listings.
  • Limited Title Properties:

    Properties with limited title.
  • Hobby Farms and Display Homes:

    Includes other unusual securities.
  • Flexible Rates for Diverse Properties:

    Minimum internal size of 50 sqm – 1000sqm
  • Apartments:

    Minimum size of 30 sqm (with separate bedroom, bathroom, and living area).
  • Serviced Apartments:

    Eligible serviced apartments.
  • DA Approved/Potential Properties:

    Properties with development approval or potential.
  • Properties with DA Potential:

    Eligible on an "As Is" basis (no vacant land).