Australian Expat Home Loan Document Checklist
Australian citizen expat files bring foreign income documents, currency considerations, and tax residency questions into the mix. Australian permanent residents living overseas may also need FIRB approval depending on the property type, so confirm residency status at fact find. The document requirements vary significantly between lenders, so confirming the target lender expat policy early is critical.
Documents to collect
Foreign employment contract or letter of employment
Confirm employer, role, salary in local currency, and contract type. Check whether the lender requires an English translation.
Foreign payslips (3 most recent)
Verify pay amounts, frequency, and currency. Some lenders require certified translations for non English documents.
Foreign bank statements (3 months)
Match salary credits to payslips. Review in the context of the local cost of living.
Australian bank statements (if maintaining an Australian account)
Verify any Australian income or rental deposits. Check for ongoing Australian commitments.
Australian tax return and NOA (most recent, if lodged)
Relevant if the expat has Australian rental income or other Australian source income.
Read the full guide →Credit report (Australian)
Review Australian credit history. Confirm no defaults or outstanding debts.
Read the full guide →Australian passport or citizenship certificate
Confirm Australian citizenship. FIRB approval is not required for Australian citizens regardless of where they live. Permanent residents may need FIRB approval depending on their visa status and the property type.
Contract of sale or property details
Confirm purchase price, settlement date, and property type.
Tips
- ✓Confirm the target lender expat policy including accepted currencies and document language requirements
- ✓Currency shading varies by lender and by currency, so check the rate before quoting borrowing capacity
- ✓Refer the client to a tax adviser for non resident CGT and duty implications before proceeding
How QualifyMate helps
QualifyMate handles the Australian bank statement, liability, and credit report side of an expat file so brokers can focus their time on the foreign income documentation and lender currency policy.
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