Specialist Home Loans for Every Situation
Not everyone fits the standard lending box. If you're an expat, visa holder, or have foreign income, bridging, or construction lending needs — we have lenders ready to help.
By the Mortgagefy Team · Last reviewed 28 July 2026
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 40+ 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.