Securing The Most Competitive Australian home loans for over 30 years.
Specialist Mortgage are recognised as Australia’s number one mortgage broker to Australian expats and non residents since 1991.
For more than three decades, we have honed our ability to secure the most competitive mortgage packages for Australian expatriates and foreign buyers who typically don’t fit traditional lending models.
Aussie expats and non-residents often struggle to obtain home loans to purchase Australian property and are faced with decreased lending options and often higher interest rates.
Specialist Mortgage secure residential loans for all types of Australian real estate whether you are getting your first home loan, purchasing your dream home, building a house, or investing in property.
We can also assist with refinancing your home loan, renegotiating better rates with your current lender or accessing equity in your home to grow your property portfolio.
Let us quickly perform a free mortgage assessment to ensure the most suitable home loan package for your individual circumstances and preferences.
Securing Australian expat mortgages and non-resident home loans doesn’t have to be complicated. There are lots of lenders that welcome Australian expat and non resident customers, that home buyers may not be aware of.
Our clients benefit from our accumulated experience of securing thousands of expats and non-resident home loans.
Our unrivalled knowledge of financial packages and policies relating to global home buyers gives us the power to negotiate directly with lender’s credit teams to deliver flexible mortgage options at the lowest rates.
Our friendly team of mortgage brokers have the expertise and experience to ensure the process of securing Australian property is seamless and exciting.
We provide a fast, friendly, seamless service. We clearly communicate everything you need to know throughout the process and will answer questions as they arise. We even help you complete all the application paperwork. We provide ongoing support even after your loan has settled and can connect you to our trusted network of professionals such as buyer’s agents, building inspectors and conveyancers.
We use leading technologies that allow us to quickly compare hundreds of loan options from more than 30 Australian and international banks, saving you time and money. We provide the most current, accurate and complete information in our assessment of the most suitable loan for your individual circumstances.
As the largest Australian mortgage originator operating internationally, we have the power, volume, and relationships to negotiate with lenders to obtain special conditions, including lower interest rates, longer terms, increased borrowing capacity and decreased establishment costs.
Under our ASIC Australian credit license, we are required to act independently and present unbiased advice. We only introduce you to suitably matched mortgage solutions for your personal situation. We will clearly explain loan features, fees, charges, as well as the positives and negatives or each loan option.
Our mortgage brokers are fully licensed and accredited and members of the Mortgage & Finance Association of Australia (MFAA). We are the leaders in obtaining Australian residential mortgages for local and offshore buyers – no other firm can match our history or expertise.
There is no obligation or cost to discuss your financial affairs regardless of if you proceed with a loan. We offer a free review of your current or intended loans and provide fast free pre-approvals. If you decide not to commit, don’t stress it hasn’t cost you anything.
Buying your first home? Buying your dream home? Downsizing? Property Investment? Building, renovating or developing? We’ll secure flexible mortgage options for every scenario.
Need a lower rate? Want to consolidate your debts? Interested in a better structured loan? Or wanting to access equity? We’ll find customised loan options for you.
We are the first and remain the largest expat mortgage originator operating abroad. We’ll secure the most competitive loan and highest borrowing capacity to buy Australian property.
Our broker will ask you questions, explain the loan process and answer all your questions.
Our brokers conduct a review your financial situation and objectives to determine loan suitability.
Our brokers present suitable loan options, explaining costs, benefits, and drawbacks.
You submit documents and evidence to verify your identity, income, and financial position.
The lender indicates that you’re eligible to apply for a home loan up to a certain limit.
You’ve entered into a contract of sale to purchase a home either by private treaty or auction.
The lender uses a valuation to confirm the property value and determine the loan value ratio.
The lender has approved your mortgage to purchase the home.
The property title is transferred into your name and your mortgage commences.
Time to enjoy your new home or investment property!
Let us know your situation and one of our brokers may be able to provide a better mortgage solution.
Book a time to chat through your options with one of our friendly mortgage brokers.
Discover which one of our global offices is best to have a face to face chat about your home loan objectives.
Specialist Mortgage staff operate under our ASIC credit license, and our mortgage brokers are members of the Mortgage & Finance Association of Australia (MFAA).
Helen was invaluable in enabling me to secure my first investment property from Dubai. She matched me with a lender that was suited and could accommodate my personal circumstances, guided me throughout the application process and proactively liaised with the lender to make the process as smooth as possible over the holiday period.
Helen has helped us with multiple loans and refinancing and has made the process so simple and easy. With Helen’s advice we have always felt like we have been able to find the best product in the market for us.
We have now used Helen Avis twice in procuring suitable Home Loans for our two investment properties. Helen and the team at SMATS have a deep understanding of the nuances of being an Australian Expat and we have always had great advice, high value offers and top notch service from her and the team.
Start your buying journey and find out how much you may be able to borrow today.
Calculate your estimated home loan repayments or see how refinancing could save you money.
Take into account additional fees like stamp duty, building inspections and more.
Specialist Mortgage is part of the SMATS Group of companies who are international leaders in providing taxation, finance and property services to Australian expatriates, non-residents, and intended migrants to Australia since 1995.
Our team can assist you with:
We will assist you every step of the way to increase your knowledge through education and maximise your opportunities through tailored strategies and continuous support, so that you can achieve your financial goals.
Singapore | Malaysia | Hong Kong | China | Dubai | UK | USA | Perth | Sydney | Melbourne | Brisbane | Torquay
