Finance for Australian expatsforeign income accepted, remote signing
Built for Australians living and earning abroad borrowing for property or business back home. The usual sticking points — banks want australian payslips, foreign income not recognised, can't be in australia to sign, tax residency questions complicate things — are the ones our lender panel is chosen to solve.
- Expat-specific lender panelWhat we bring
- Remote signing genuinely availableWhat we bring
- Foreign income assessed properlyWhat we bring
Indicative terms in three minutes
Business-purpose and investment finance only. No credit check at this stage.
“Banks need Australian employment to lend”
We hear this constantly. The honest answer is that it depends on security, exit and documentation — which is exactly what the enquiry form asks — and that the lenders on our panel — banks, private lenders and specialist funds alike — price those three things, not the label on the borrower.
“I can't fly back just to sign documents” — a fair concern, and one we address in writing before any application is lodged.
“My income is in the wrong currency” — a fair concern, and one we address in writing before any application is lodged.
Typical pain points: Banks want Australian payslips; Foreign income not recognised; Can't be in Australia to sign; Tax residency questions complicate things. What we bring: expat-specific lender panel, remote signing genuinely available, foreign income assessed properly.
Hong Kong–based investors, including Hong Kong nationals, Australia-linked expatriates and family offices, typically buy Australian property and business assets for portfolio diversification, education-driven relocation and long-term residency planning. Sydney and Melbourne residential and commercial property attract the most consistent demand. Financing typically covers established property purchases, construction of new residences, and business acquisition or expansion for Hong Kong-linked business owners relocating operations to Australia.
Hong Kong typically runs two to three hours behind the Australian Eastern seaboard, varying with Australian daylight saving, which supports same-day contact with Australian lenders. Certified identification and income documents are usually required, and borrowers should plan FX and fund transfers around Hong Kong's banking and remittance processes; borrowers should seek local advice on the tax and currency implications in their home jurisdiction.
Solara Global Capital Partners arranges business-purpose and investment finance for assets and projects in Australia and abroad, including the Middle East and Asia, through banks, private lenders, non-bank lenders and specialist funds. Our Singapore, Dubai and Hong Kong offices are representative offices: every facility is documented and settled with the lender, on the lender’s terms, through a lender licensed in the relevant jurisdiction. Nothing on this site is an offer of credit in any jurisdiction where Solara is not permitted to make one.
Foreign persons may need approval from the Foreign Investment Review Board before acquiring an interest in Australian land or an Australian business. This is general information only. Solara does not provide Foreign Investment Review Board advice, and independent legal advice should be sought on your obligations.
Finance australian expats actually use.
Foreign investor & expat loans
Australian property and business finance for non-residents, Australian expats and offshore entities, arranged with lenders who accept foreign income and guarantees.
Commercial property loans
Purchase or refinance of income-producing office, industrial, retail or mixed-use property, through private, non-bank or bank lenders.
Low-doc commercial loans
Commercial and investment lending assessed on alternative documents such as BAS, bank statements or an accountant's letter rather than full tax returns.
SMSF commercial loans
Limited-recourse borrowing that lets a self-managed super fund buy business real property, often the premises the members' business trades from.
Australian markets we finance for Hong Kong clients.
Sydney
Sydney's finance, professional-services, technology and property-development economy makes it the deepest and most liquid private-lending market in the country. Lenders will fund the widest range of security here, from CBD commercial towers to inner-ring residential and construction sites, with banks, private lenders, non-bank lenders and specialist funds all active.
Commercial property loans in Sydney →Melbourne
Melbourne's finance, manufacturing, education and construction sectors drive strong demand for development, bridging and second-mortgage funding, particularly around the inner and middle-ring suburbs. Lenders favour well-located commercial and residential security but are more selective on high-density apartment and off-the-plan stock.
Commercial property loans in Melbourne →Questions we are asked.
Can I borrow in Australia while working overseas?
Yes, a subset of lenders on our panel specifically assess foreign income and expat circumstances, rather than requiring Australian employment and payslips. The available lenders and terms depend on which country you're earning in and how that income is documented.
Will my foreign income be accepted at full value?
It depends on the currency, the country, and how the income is verified — some lenders apply a discount to foreign income to allow for currency and verification risk, while others accept it close to face value with the right documentation.
Do I need to fly back to Australia to sign loan documents?
Not usually — remote signing and identification processes are standard for expat lending on this panel, though the specific method depends on the lender, the security offered and the type of facility. We confirm what's required for your situation before documents are issued.
How does tax residency affect an Australian expat's borrowing?
⚠ Tax residency status can affect eligibility for certain products and structures, and is a matter for your accountant or tax adviser rather than something the loan process determines. We factor your stated residency into which lenders we approach, but don't provide tax advice ourselves.
Can an expat use an SMSF to buy commercial property in Australia?
Potentially, yes, subject to the same limited recourse borrowing rules as a resident trustee, and to any additional considerations your SMSF adviser identifies around your residency status. The lending mechanics don't change; the eligibility questions sit with your adviser. This is worth raising with your adviser well before a property is under contract.
Is low-doc lending available to Australian expats?
Yes, low-doc structures exist for expat and self-employed-abroad borrowers, generally using bank statements or an accountant's letter in place of a full financial package, though the panel is narrower than for an Australian-resident low-doc applicant. We confirm which lenders are active in your specific country of residence.
Not quite the right product? Every loan type we arrange.
Most scenarios can be structured more than one way. Browse the alternatives, or tell us the situation and we'll recommend the structure.