ASCF can facilitate loans to non-resident borrowers looking to invest in Australian property.

Competitive rates starting from 6.38% with multiple loan options to choose from.

Given recent changes to international banking rules, the major Australian banks have stopped lending to non-Australian resident borrowers.

ASCF’s loan products seek to fill this gap by allowing international clients to access local funding solutions and invest in the Australian property market. Our product range offers borrowers several options, and by dealing directly with the lender we can offer competitive rates and process loans in a timely manner.

Who do we lend to?

ASCF primarily lends to Australian Non-resident borrowers. That is, either Australian Citizens who have been living or working overseas and are classified as non-Australian residents for tax purposes, or citizens of other countries who are wishing to invest in Australian residential real estate. ASCF does not lend to customers in the non-conforming or subprime segment.

What Loans do we provide?

ASCF provides loans to buyers and owners of Australian residential property, including loans to which the NCCP Act applies. Loans governed by the NCCP legislation (also called ‘coded’ loans) are ones made to natural person borrowers for certain purposes, such as personal use or investment in residential property.

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English Borrowers Application Form

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非居民借款人申请表 (Chinese Form)

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ASCF NON-RESIDENT LOAN PRODUCTS

Loan Type Purpose Max LVR Features
Essentials Purchase & Refinance Up to 75%

- A variable rate, residential property loan over a 25 Year Loan Term

- Available for Non-Residents both employed & self-employed

- Available for Full Doc only

- Restricted security locations acceptable

- Restricted country of origin for applicants

>>View Product Guide

Premium Purchase, Refinance, Construction, & Cash Out Up to 70%

- A variable rate, residential property loan over a 30 Year Loan Term

- Available for Non-Residents both employed & self-employed

- Security location flexibility

- No overseas credit report required

>>View Product Guide

Specialist Purchase, Refinance, & Construction Up to 70%

- A variable rate, residential property loan over a 25 Year Loan Term

- Available for Non-Residents both employed & self-employed

- Sydney, Melbourne, & Brisbane securities only

- Loans to $2M

- No Borrower country of origin restrictions

>>View Product Guide

Aussie Expat Purchase, Refinance, & Construction Up to 80%

- Residential Owner Occupied & Investment Property loan available on P & I or interest only

- Available for Australian Citizens and Permanent Residents Living abroad

- A higher LVR can be considered on a case by case basis

>>View Product Guide

Aussie Visa Purchase, Refinance 95%

- A variable rate, residential property loan (rates from 5.12%, dependent on LVR)

- Available for Non-Residents both employed & self-employed – subject to Visa Class restrictions

>>View Product Guide

ASCF LOAN PROCESS

Download and complete the ASCF Non-Resident Borrowers Application Form, including all supporting documentation requirements outlined in the Loan Application Checklist.

Scan and email all completed documentation to [email protected] for review.

We will assess your application and provide you with an indicative answer and pricing.

If you wish to proceed, we guide you through the loan process, documentation, and approval until you have settled and received your money!

ASCF LOAN PROCESS

Download and complete the ASCF Non-Resident Borrowers Application Form, including all supporting documentation requirements outlined in the Loan Application Checklist.

Scan and email all completed documentation to [email protected] for review.

We advise you of the results of your Application and recommend a funding solution.

If you wish to proceed, we guide you through the following loan approval, documentation, and funding procedures until you have received your money!