With many of the world's financial markets virtually frozen you may be surprised to know that it's pretty much business as usual in Australia. We can still arrange loans for Australians expats at 90% LVR loans including investors and we even have loans in USD at 2.23% or GBP at 2.73% for investors (rates current at 27/3/2009). So if you are an Australian expat miles from home, in today's world of Skype, email and fax we are 'virtually' next door. Whether you are a first home buyer or you want to refinance your investment property portfolio, if you are an Aussie expat we can assist you through the entire loan application or refinance process.

Many Australians expats living and working overseas are considering returning to Australia and as a result will be looking to purchase an owner occupied property. The Federal Government's First Home Buyers Grants are now very generous with $14,000 cash on all first home purchases and $21,000 if the property is new and never been occupied. These grants are being topped up by some State Government meaning additional deposit. The bonus grants are available this financial year and can be claimed by expats who plan to return to Australia, before they return. Many State Governments are also providing stamp duty reductions or waivers to first home buyers - these offers are not time limited and can mean very substantial savings.

Australia has also become an attractive investment opportunity with a relatively weak currency and strong rental demand continuing to push up the rental returns. Property values are holding up in many locations and combine this with a weaker Australian dollar and there are some real opportunities for Aussie expats to take advantage of good investment property opportunities in what is a relatively stable economy.

We often get calls from Aussie expats telling us how they telephoned BiGBankX and were told they couldn't get finance or were restricted to silly loan amounts. You would be surprised how often bank staff don't know their own policy. But you only have to have a cursory glance at most lender's web sites to realise that they are not telling you half what you need to know to make an informed decision. If you are planning on returning to Australia there are some vital lender's policy guidelines that you really need to take into consideration so please ask us to cover that. Did you know for example that if your spouse isn't an Aussie citizen your borrowing capacity may be slashed with many lenders. Did you know that a spousal visa isn't considered a permanent visa or that a permanent visa may only be valid in policy terms when the visa holder actually resides in Australia. There are countless variations on policy including restrictions on high-rise, post codes, employment history, credit inquiries, zoning, CBD, title etc etc. We do nothing but home loans day in and day out and we can guide you through this complex process.

We arrange Australian mortgage finance including foreign currency loans, for Aussie expats living in the UK, Ireland, USA, Europe, Middle East, China, Canada, Korea, New Zealand, Japan and South East Asia. We can assist you with loans for investment or owner occupied including First Home Owner Grant (FHOG) applicants and despite the fact that you are living and working overseas we can get more than the normal 80% LVR loans at the same interest rates as you would get if you were living in Australia. We can arrange home loans in USD, JPY, CHF, GBP, SGB, EUR, NZD and HKD... in both hedged and non-hedged options (where your income can be in one currency and your borrowing in another) - asset and income restrictions apply on non-hedged loans. These loans offer options to switch back to AUD at any time and do not require refinancing on your return to Australia.

And because lenders pay us to introduce your business and manage your loan application - you don't pay us anything. The commission we are paid is not added to your interest rate or fees - you get the same loan deal that you would by walking into a branch - sometimes better.

If you are returning to Australia and want to consider the options available on your return contact our domestic arm Peach Home Loans - and talk to them about their famous cash rebates.

Why not complete the quick inquiry below,  If you would prefer to fill in a spreadsheet click here, or you can phone 61 2 6626 6810 or email: Email encoded to avoid spammers Javascript required to view otherwise please us form --