Who this guide is for
- Australian citizens and permanent residents earning overseas
- Visa holders with foreign-sourced income (subject to FIRB rules)
- Returning Australians with multi-year overseas income history
- Property investors using offshore business income
The real challenge
Foreign income is one of the trickiest things to get a major bank to accept. Currency, country, employer type, tax residency, remittance pattern — every factor changes the lender's appetite and the haircut applied to your income.
Most borrowers don't know that the same income can be assessed at $0 with one lender and at $200K with another. The wrong choice means you don't qualify or get half the borrowing capacity you should.
How Mortgagefy helps
Mortgagefy works with the active foreign-income-friendly lenders. We model your real borrowing capacity across multiple lender scenarios so you can see the difference — then we lodge with the lender that gives you the strongest position.
We handle notarisation, document translation, employer verification and timezone coordination. Most foreign-income applications run entirely by digital channels.
How it works — 4 simple steps
Income mapping
We list all your foreign income sources, currencies, employment types and tax positions.
Lender match
We identify the 2-3 lenders most generous with your specific income mix.
Document pack
Employer letters, payslips, bank statements, tax assessments — formatted to each lender's spec.
Settlement
Application, valuation, settlement coordinated. Most foreign-income loans settle in 6-10 weeks.
Frequently asked questions
Get a free foreign income home loan assessment
We work across currencies and time zones. Free consultation — we tell you upfront which lender will accept your income and at what rate.
Related guides
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