Australian Expats Around the World: Home Loans and Refinancing Made Simple

Living overseas doesn’t mean you have to put your Australian property plans on hold. Whether you want to refinance, buy your first investment property, or restructure an existing loan, Echidna Equity helps Australians living anywhere in the world navigate the process from start to finish.

We specialise in helping expats manage their Australian home loans smoothly, clearly, and without the usual headaches that come from time zones, foreign income, and extra paperwork.

Common Challenges for Australian Expats

Foreign income assessment

Most lenders reduce your overseas income when calculating how much you can borrow. Knowing which lenders are flexible can significantly increase your borrowing power.

Extra documentation

Expect requests for foreign tax returns, overseas bank statements, employment contracts, and ID verification. A broker experienced with expats can streamline this process and prevent delays.

Time zones and availability

Calling Australian lenders from abroad can be frustrating. We work with your schedule so you don’t have to chase approvals at inconvenient hours.

Government incentives and first home buyer support

Many expats assume they are ineligible for grants, stamp duty discounts, or government schemes. With the right guidance, you might still qualify depending on your circumstances.

How Echidna Equity Helps Australian Expats Worldwide

• Matching you with the right lender – We know which banks understand foreign income and offshore applications.

• Fully online process – Handle everything from any country without needing to fly back.

• Time zone-friendly support – We work when you need us.

• Buying, refinancing, or restructuring – We can increase borrowing power, reduce repayments, and optimise your loan setup.

• Supporting wildlife conservation – Part of our profits goes to protecting echidnas and Australian wildlife.

Countries We Support

While we help Australians living in the Philippines, we also work with expats in:
Singapore, Hong Kong, Dubai, Malaysia, Thailand, UK, US, Canada, New Zealand and more.

If you live outside these countries, we can still help.

When Expats Should Review Their Home Loan

• You have not refinanced in the last two years

• Your interest rate is above the current market

• Your income or residency has changed

• You plan to buy another property from abroad

• You feel ignored by your bank because you are overseas

A proper review can save thousands of dollars a year.

How to Start From Anywhere in the World

1. Book a quick online call

2. Send your income and financial documents

3. We shortlist the lenders that fit your situation

4. You approve the strategy

5. We handle the application end-to-end

It is faster, easier, and less stressful than doing it yourself.

If you are in the Philippines, see our detailed guide here.