Why Aussies in the Philippines Still Invest in Australian Property

A lot of Australians living in the Philippines want to keep building wealth in Australia. Some want to hold their current home, some want to upgrade, and others want to start investing. The problem is that doing all of this from overseas can get messy. Time zones, stricter bank rules, and confusing paperwork often slow everything down.

That is why more expats are looking for brokers who understand offshore borrowers. Echidna Equity focuses on helping Australians in the Philippines manage their home loans from abroad in a simple and clear way.

The Challenges Expats Deal With When Applying for a Home Loan

1. Foreign income shading

Most banks reduce your foreign income when calculating how much you can borrow. Some reduce it by 20 percent and others by 40 percent. This can really limit your options unless you know which lenders are friendlier to expats.

2. Extra paperwork

Expect requests for things like overseas tax returns, foreign bank statements, employment contracts, and ID verification. These can easily slow down an application if you do not know what each lender wants.

3. Currency and job stability rules

Some lenders only accept income from certain currencies. Others want to see a long and stable work history if your income is earned overseas.

4. Confusion around first home buyer benefits

A lot of expats think they cannot access any government support. In many cases, you might still qualify for the First Home Owners Grant, stamp duty discounts, or certain government schemes. You just need clear guidance.

How Echidna Equity Helps Australians Living in the Philippines

• Matching you with the right lender

We understand which banks are flexible with expats and which ones are strict. We match your situation with the best lender for your income and goals.

• Fully online process

You can complete everything from Manila, Cebu, Bohol, Baguio or anywhere else in the Philippines. No need to fly home.

• Australia and Philippines friendly time zone

We actually pick up your calls when you need help.

• Help with buying, refinancing, or restructuring

We help increase your borrowing power, reduce your repayments, and set up your loans in a way that supports your long term plans.

• Supporting wildlife conservation through our profits

Part of every settlement goes to helping protect echidnas and Australian wildlife.

When Expats Should Review Their Home Loan

You should look at your loan again if:

• you have not refinanced in the last two years
• your rate is higher than what banks are offering right now
• your income or residency changed
• you are planning to buy another property while living abroad
• you feel like your bank is ignoring you because you are offshore

A proper review can lead to thousands of dollars saved each year.

How to Get Started From the Philippines

1. Book a quick online call

2. Send your income documents

3. We show you which lenders fit your situation

4. You choose the strategy you like

5. We handle the entire application for you

It is much easier than dealing with the banks yourself.

We also help Australians living in other countries. Learn more here.