Expat Loans

Our expertise ensures your experience as an expat securing a loan is as smooth and efficient as possible. Sixteen years in Singapore, specialising in Australian expatriates has given our team a comprehensive understanding of the Australian property market, expatriate needs and relevant bank lending policies. We are ready to work with you to identify and secure the best loan for your Australian property purchases. Talk to the expat loan specialists today!

Rated 5 from 9 Reviews

Are you an expat looking to purchase property in Australia?

The team at COG Capital Group understands the complexities of expat loans. Whether you’re buying your first home, building your dream house, or investing in property, our specialised expat finance and mortgage broking services are here to support your successful acquisition.

Securing the Loan: When it comes to securing an expat loan, seeking expert advice is crucial. Our experienced expat mortgage advisors offer valuable insights into the rules, restrictions and regulations that govern Australian expat home loans. Having lived in Singapore for 16 years with a focus on assisting Australian expats, our founder knows the market ins and outs to secure the best loan for you.

Foreign Income: Many expatriates benefit from strong income and often lower tax rates while working abroad. This can enhance savings and wealth accumulation. However, when assessing your borrowing capacity, lenders often apply adjustments to your foreign income. They might impose a reduction on your income dependent on the currency that you earn, apply different tax rates (either foreign or Australian), or vary in their acceptance of variable income such as bonuses or commissions. Different lending policies can lead to significant variations in your borrowing capacity. Using their expertise, the COG team is here to assist you.

Self-Employed: For self-employed individuals and business owners, securing financing can be more challenging. Nevertheless, our extensive panel of lenders includes non-bank options with specialised niches to support self-employed borrowers and other unique situations.

Loan Structure: The decision on how to structure your loan is not straightforward, as each borrower’s situation is unique and even more so for expats.

Most financial institutions in Australia typically offer loans of up to 80% of the property value, known as a Loan to Value Ratio (LVR) of 80%. For expatriates, achieving this LVR is typically possible, but several factors can influence it, such as your loan structure and the currency in which you earn. A larger deposit can enhance your chances of securing a lower interest rate, as will the selection of Principal and Interest (P&I) versus Interest Only (I/O) repayments. It’s important to consider your current cash flow, future plans and tax implications when making these decisions.

Tax Obligations: Purchasing your dream home or investing in property while living abroad requires planning and strategic decision-making. We partner with accountants and financial advisers to maximise your opportunities.

What COG Capital Group Offers: Navigating overseas borrowing can be complex, with numerous variables at play. Our expertise lies in managing these complexities, ensuring that every element and scenario is carefully integrated to secure the best possible loan solution for you. Our niche expertise streamlines the process to make it as efficient and smooth as possible, so you can focus on your goals with confidence.

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Mohamed Elalfy

Adam provided me an outstanding support in financing two properties. He was immediately responsive and offered a financing solution that was perfectly tailored to my situation which adds significant value and saving me considerable time. Throughout the entire process, he demonstrated strong attention to detail and closely monitored all critical deadlines to ensure everything was delivered on time. It was an excellent experience overall, and I highly recommend his services to anyone seeking top-tier customer service and reliable execution

Nick Gleeson

Adam helped me with refinancing my mortgage for a significant rate reduction. Helped to minimise the admin while I was travelling and has kept in touch on options for future financing. Great guy, experienced, smart and efficient, highly recommend

Mark H

We worked with Adam recently to refinance our mortgages in Australia. Having lived abroad for over 20 years his local insights, expertise and professionalism were exceptional. Throughout the process Adam kept us well informed and worked hard to ensure we received the best possible deal from the bank. Being so far from home, his calm and patient demeanour made what is usually a stressful and often confusing/complicated process far more straightforward, cutting through a lot of the issues which we would have struggled with abroad. His connections with local buying agents and ability to provide insights across our entire financial needs was also invaluable. A highly competent and honest broker, would highly recommend to anyone.

Frequently Asked Questions

Can you only help with Home Loans?

We can help with Home and Investment Loans, Commercial Property Loans, Business Loans, Construction Loans and much more. If you're looking to borrow to buy something, we can probably help.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you. We save you time and effort, provide better access to lenders and negotiate better interest rates and fees on your behalf. Our service generally comes at no cost to you as we are typically paid by the lender upon the settlement of the loan.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you help Australian Permanent Resident living overseas and Foreign Buyers?

If you are an Australian Permanent Resident living overseas, and subject to your visa class, you can apply for a home loan in Australia. Lenders often have specific loan products tailored to meet the needs of overseas PRs.

If you’re a foreign buyer, attaining finance can be more challenging. Lenders may be more hesitant to lend and require stricter eligibility criteria however we partner with a number of lenders that can assist you. We will work with you to guide you through the required documentation, the process of attaining finance and approval to purchase property in Australia all the way through to the actual property settlement.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

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Contact

Singapore and Sydney

COG Capital Group ABN: 20 677 685 611, COG CAPITAL GROUP PTY LTD ABN: 20 677 685 611. Credit Representative #560772 is authorised under Australian Credit License #509484.

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.