Home Loans for International Borrowers

Whether you’re a foreign investor or an Aussie expat, ROVO Finance helps you access property opportunities across Australia — with clarity, compliance, and confidence.

Australia’s property market continues to attract global interest. From foreign nationals seeking stable investments to expatriates planning a return home, tailored loan solutions are available — even when traditional banks say no. Here’s what international borrowers need to know.

Who Can Apply?

  • Foreign Nationals: Non-residents with Foreign Investment Review Board (FIRB) approval
  • Temporary Residents: May purchase one established dwelling for personal use
  • Australian Expats: Citizens living or working overseas

Eligible Properties

  • New residential dwellings (typically approved without conditions)
  • Vacant land (must build within four years)
  • Commercial property
  • Established dwellings (only for temporary residents, with conditions)

Loan Types

  • Non-Resident Loan: For foreign nationals investing in Australian property
  • Expatriate Loan: For Australian citizens abroad seeking to buy or refinance

Key Loan Features

  • Loan terms up to 30 years
  • Principal & interest repayments (interest-only available for expats)
  • Redraw available for expat loans

Application Requirements

  • FIRB approval (for foreign nationals)
  • Evidence of deposit and funds held in an Australian bank
  • Translated income documents (NAATI-certified)
  • Credit report from country of residence
  • Appointment of an agent (not broker)

Why Invest in Australian Property?

  • Stable, low-volatility market
  • Attractive long-term returns
  • Diversification from political or economic risk abroad
  • Potential pathway to residency

Looking to invest or return home? ROVO Finance can help you navigate the process, compare lenders, and secure the right loan for your international property goals.