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Specialist Home Loans for Every Situation

By the Mortgagefy Team

Not everyone fits the standard lending box. If you're an expat, visa holder, or have foreign income, bridging, or construction lending needs — we work with lenders who may be able to help.

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Free, no obligation. Conditions apply. Eligibility, lending criteria, fees and charges apply and vary by lender. General information only, not credit advice.

Who This Is For

  • Expats working in Australia on a visa or PR
  • Visa holders (457, 186, 494, student visa pathway)
  • Foreign income earners (remittance-backed, overseas salary)
  • Bridging loan borrowers (sell first, buy second)
  • Construction finance buyers (building new, off-the-plan)

How Specialist Lending Works

1

Tell Us Your Situation

Visa status, income type, property scenario. No judgment, just facts.

2

We Match Lenders

We connect you with a wide panel of specialist lenders who actually say "yes" to your profile.

3

Compare Offers

Rates, terms, serviceability assessment — all transparent, no surprises.

4

Settlement

We guide you through docs, settlement, and post-purchase support.

Get Your Specialist Loan Assessment

Answer a few quick questions about your situation and we'll match you with the right lenders. Free, no obligation.

Frequently Asked Questions

We work with expats on all visa types: 457 (Skilled), 186 (Employer Nomination), 494 (Regional), 189 (Skilled Independent), student visas with pathway to PR, and permanent residents. Each lender has different rules, but we know who will approve your category.
Yes. Specialist lenders accept overseas salary, remittance-backed income, or foreign retirement funds. You'll need proof of ongoing foreign income (payslips, bank statements, letter from employer) and sometimes a local co-borrower or guarantor. We verify the documentation.
Bridging loans are fast-tracked: approval in 5–10 business days, settlement in 2–4 weeks. This gets you the funds to buy your next property while your current place is on the market. You refinance back to a standard loan after settlement.
Specialist lender rates are typically 0.4–0.8% higher than the Big 4 standard rates, reflecting the extra risk assessment they do. Check our calculators to model repayments on current advertised rates.
Absolutely. Once your visa is more stable, you have established Australian income history (typically 2+ years), or you're now PR, you can refinance to a Big 4 bank at a better rate. We help arrange that refinance as well.

Related Specialist Lending Guides

Ready for Your Specialist Home Loan?

We specialize in expat, visa holder, foreign income, bridging, and construction lending. Get a free, no-obligation assessment in 60 seconds.

Speak to a Broker · 0432 634 648