#1 for Expat Home Loans & Non Resident Mortgages.

Securing The Most Competitive Australian home loans for over 30 years.

Broker with clients

A Personalised Approach To Finance.

Specialist Mortgage are recognised as Australia’s number one mortgage broker to Australian expats and non residents since 1995.

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.

Hundreds Of Tailored Home loans Options.

Home Loans from over 30 Trusted Lenders.

Let us quickly perform a free mortgage assessment to ensure the most suitable home loan package for your individual circumstances and preferences. 

Australian Military Bank
Suncorp Bank
Bank of Melbourne
Bluestone Home Loans
St. George Bank
Bluebay home loans
AAA Financial Corporation
ANZ logo
Bankwest Logo
BOQ logo
Commonwealth bank logo
HSBC logo
ING logo
Non-resident home loan application

Unrivalled knowledge of expat and non resident loans.

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.

Non-resident home loan application

It’s Our People That Excel.

Partner With Our Award Winning Team.
Specialist Finance Group 2016 International Broker of the Year
Specialist Finance Group 2016 International Brokerage of the Year
Specialist Finance Group 2017 International Broker of the Year
Specialist Finance Group 2017 International Brokerage of the Year
Specialist Finance Group 2018 International Broker of the Year
Specialist Finance Group 2018 International Brokerage of the Year
Specialist Finance Group 2019 International Broker of the Year
Specialist Finance Group 2019 International Brokerage of the Year
MPA 2021 Top 100 Broker
Specialist Finance Group 2021 National Residential Broker of the year Winner
Specialist Finance Group 2021 WA Broker of the year Winner
Specialist Finance Group 2021 WA Brokerage of the year Finalist
SFG’s No24 in the Top 50 Loan Writers for the 2021/2022 Financial Year
The Adviser Australian Broking Awards 2022 Finance Broker of the Year Finalist
The Adviser Australian Broking Awards 2022 Residential Broker of the Year Finalist
MFAA 2022 - Finance Broker Business Award - State Finalist
MFAA 2022 - Residential Finance Broker Award - National Winner
MFAA 2022 - Residential Finance Broker Award - State Winner
Specialist Finance Group 2022 Finalist - WA Broker of the Year
Specialist Finance Group 2022 Winner - WA Broker of the Year
Specialist Finance Group 2022 Finalist - WA Brokerage of the Year
The Adviser Better Business Awards Finalist 2022 - WA Best Residential Broker
Women in Finance Awards 2022 Finalist - Mortgage Broker of the Year
The Adviser Better Business Awards Winner 2023 - WA Best Customer Service (Individual)
The Adviser Better Business Awards Finalist 2023 - WA Best Customer Service (Office)
2023 MFAA - Customer Service Individual Award - State Finalist
2023 MFAA - Finance Broker Business Award - State Winner
2023 MFAA - Finance Broker Business Award - National Finalist
2023 SFG National Residential Broker Of The Year Finalist
2023 SFG WA Brokerage Of The Year Finalist
2023 SFG WA Broker Of The Year Finalist
2023 SFG Group Excellence Award Finalist
2023-MPA-EliteWomen2023
2023_WIFA_Mortgage-Broker-of-the-Year_Finalist
2023 AMA Resimac Brokerage Of The Year (6-20 Staff)
2023 AMA Broker Of The Year Specialist Lending - Helen Avis
2023 SFG WA Broker Of The Year Winner
The Advisor Better Business Awards 2024 - Best Finance Broker Winner
2024 MFAA Residential Finance Broker - State Winner
2024 TABBA Residential Broker of the Year - Finalist
2024 AMA Brokerage Of The Year - Diversification
2024 AMA Brokerage Of The Year - Diversification
2024 SFG WA/NT Brokerage Of The Year Finalist
2024 SFG National Brokerage Of The Year (Volume Based) Finalist
2024 Mortgage Broker of the Year Finalist – Helen Avis
2024 SFG Mentor Of The Year - FINALIST
2024 SFG Best Administrator - FINALIST
2024 SFG WA-NT Broker Of The Year WINNER
2025 MFAA Finance Broker Business Award - State Finalist
2025 MFAA Residential Finance Broker Award - State Finalist
2025 MFAA Diversified Business Award - State Finalist
2025 SFG - WA & NT Brokerage Of The Year Finalist
2025 AMA Winner - Broker of the Year - Specialist Lending
2025 AMA - Excellence Awardee - Liberty Brokerage of the Year - Diversification
2025 SFG - WA-NT Broker Of The Year Winner
2025 SFG - Hall of Fame Winner
SFG’s No8 in the Top 50 Loan Writers for the 2024/2025 Financial Year
The Adviser Better Business Awards 2026 - Best Customer Service (Office)
The Adviser Better Business Awards 2026 - Best Customer Service (Individual)
2026 MFAA Customer Service Business Award State Finalist
Sydney suburbs for expat mortgages

Why Choose Specialist Mortgage?

For Australian Home Buyers Around The Globe.

Dedication to service.

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.

Full lender analysis.

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.

Negotiating power.

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.

Unbiased and uncompromised.

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.

Expert advice.

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.

Obligation and cost free.

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.

Settled over 6,000 loans

valued over $3 billion!

How can Specialist Mortgage help you?

We provide tailored mortgage solutions designed for your individual circumstances.

Expat Home Loans Icon

Home Loans.

Buying your first home? Buying your dream home? Downsizing? Property Investment? Building, renovating or developing? We’ll secure flexible mortgage options for every scenario.

Refinancing Your Home Loan Icon

Refinancing.

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.

Investors Icon

Expat & Non Resident.

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.

The Mortgage Process.

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Step 1: Initial consultation.

Our broker will ask you questions, explain the loan process and answer all your questions.

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Step 2: Preliminary Credit Assessment.

Our brokers conduct a review your financial situation and objectives to determine loan suitability.

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Step 3: Loan recommendations.

Our brokers present suitable loan options, explaining costs, benefits, and drawbacks.

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Step 4: Mortgage application.

You submit documents and evidence to verify your identity, income, and financial position.

Pre Approval - Conditional icon

Step 5: Pre-Approval (Conditional).

The lender indicates that you’re eligible to apply for a home loan up to a certain limit.

Expat Home Loans Icon

Step 6: Property selection.

You’ve entered into a contract of sale to purchase a home either by private treaty or auction.

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Step 7: Property valuation.

The lender uses a valuation to confirm the property value and determine the loan value ratio.

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Step 8: Formal Approval (unconditional).

The lender has approved your mortgage to purchase the home.

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Step 9: Settlement.

The property title is transferred into your name and your mortgage commences.

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Step 10: Congrats, you’re a homeowner!

Time to enjoy your new home or investment property!

Experts In Australian Finance, Located Worldwide.

Meeting with expat mortgage broker

Get a free mortgage assessment.

Let us know your situation and one of our brokers may be able to provide a better mortgage solution.

Couple getting a non-resident home loan

Book a free online consultation.

Book a time to chat through your options with one of our friendly mortgage brokers.

Couple with expat mortgage broker

Find Your Local Office.

Discover which one of our global offices is best to have a face to face chat about your home loan objectives.

Meet Our Team.

Specialist Mortgage staff operate under our ASIC credit license, and our mortgage brokers are members of the Mortgage & Finance Association of Australia (MFAA).

Helen Avis

Director
Helen Avis

Bridget Bowman

Senior Mortgage Specialist
Bridget Bowman

Carolyn Xaftellis

Senior Mortgage Specialist
Carolyn Xaftellis

Grace Neo

Senior Mortgage Specialist
Grace Neo

Client Testimonials.

Johanna D.

Mick, Bridget and the team all stand out for continued excellent customer service.

June 2, 2022 UAE

Greg

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.

July 1, 2020 Queensland

James

During the Covid-19 pandemic our purchase and settlement process was handled remotely via phone and emails, Helen and Fanny were very responsive to our questions, the process and acquisition of all the paperwork was very clear.

November 19, 2021 Singapore

Dom

We’ve been using Specialist Mortgage for mortgage approvals and renewals for the past 2.5 years and they have dealt with my endless questions very quickly, professionally and tirelessly which is super impressive.

September 17, 2019 Singapore

Fabian Longin

As an Aussie expat living in London, I struggled with six other brokers before finding Specialist Mortgage. They were the only ones who got it done.

September 22, 2025 UK

J. Hughes

We decided to return to Australia from Dubai and needed sound tax and financial advice. We approached the Specialist Mortgage team and they came up with realistic solutions to purchase a property back in Australia. It did not take long to get loan approval and we were able to buy in a subdivision.

April 11, 2024 Australia

Fabian Longin

Don’t waste your time and look no further than Specialist Mortgage! They made the impossible possible for me as an Aussie expat trying to secure a mortgage back home.

September 22, 2025 UK

Doug

Thank you to the SMATS team for arranging finance for my new Australian property. Not an easy task given my China working location and a tightening banking environment for foreign based workers.

June 14, 2018 Shanghai

Luanne & Brendan

Carolyn was there every step of the way, taking our call even after hours to make sure she was available to answer whatever questions we had. Carolyn went above and beyond, and we are forever grateful for her help and support during this important milestone for our family.

September 18, 2025 Singapore

Shiree M.

Bridget was instrumental in securing us our forever home as Expats. Communication was excellent, answers prompt, feedback was incredible.

October 20, 2021 Saudi Arabia

J. Hoyer

I wouldn’t hesitate to use them again for future loan needs and have already recommended them to friends and family.

February 10, 2026 NSW

P. Callow

The help that we received from Specialist Mortgage services was superb. Their guidance and support was spot on through the entire process. I have no hesitation in recommending them very highly.

January 19, 2024 Dubai

Melinda

Michelle and Carolyn have both been brilliant, guiding us through the loan process, being so patient when the settlement was delayed and finally getting us to the end game.

July 18, 2025 Macau

A. Wild

EXCEPTIONAL customer service from the Specialist Mortgage team. My housing loan process in Australia was so smooth.

April 4, 2026 China

James

Helen is completely client focused, she was able to take our exact requirements and circumstances into account when searching for and procuring a lender to suit us.

November 19, 2021 Singapore

Luanne & Brendan

Finding our forever home in Melbourne has been a years long journey for us, but through it all, Carolyn and the team has consistently and continuously supported us. Even when we took a house search pause, Carolyn was still checking on us.

September 18, 2025 Singapore

L. Sabumei

Highly recommend Specialist Mortgage if you’re looking at buying a property in Australia as an Australian expat living overseas. Bridget and Fanny were very professional and helpful in facilitating our financing of properties purchased in Brisbane.

April 27, 2025 Dubai

W. Beattie

I would highly recommend this service to any expats thinking of returning. My advice would be to start the process as early as possible.

January 17, 2024 Queensland

Donald G.

Thank you Helen for all the great work you do!

August 14, 2025 Queensland

J. Pou

It’s a pleasure to work with Helen and John from SMATS. They are extremely efficient and helpful. I strongly recommend them.

December 14, 2023 Singapore

S. Gunaratna

Your expertise and dedication have made a significant difference, and we are incredibly grateful for your support throughout the refinancing process. Thank you once again for your exceptional service. A very happy customer!

March 12, 2025 Queensland

S. Braniff

Fantastic support throughout the purchasing process.

May 14, 2025 Switzerland

James

We required quite a complicated loan including land and a new build which was handled so smoothly that we then decided to go with Helen for our next purchase and the refinancing of an existing loan away from a bank I had been unhappy with for years.

November 19, 2021 Singapore

R. Mitchell

Grace and the team were great at helping me achieve my property investment loan goals. I am not experienced in this area and had many questions which were explained clearly to me.
I would recommend their services.

May 31, 2025 USA

Johanna D.

Bridget has been an amazing mortgage broker, she is always very accessible, follows through and thinks outside the box!

August 11, 2021 Dubai & AU

R. Whitfield

If you are an Australian and need a mortgage broker – someone who knows how to navigate this tricky area, then Specialist Mortgage will take wonderful care of you. They helped me purchase an investment property while abroad, and their level of service and attention to details were second to none.

May 9, 2025 Shanghai

Fabian Longin

In the end, I went with a non-bank lender Specialist Mortgage recommended—and it’s been a great experience so far.

September 22, 2026 UK

S. Cosgrave

Fanny was a delight to work with and no issue was too difficult for her. Fanny was so helpful in the difficulties of borrowing as an expat, enabling me to send multiple documents at different stages and always responding with positive results.

June 28, 2024 Victoria

Belinda V.

Carolyn & Michelle were always helpful answering all questions we had as soon as possible. With Carolyn’s expertise and knowledge she was able to find us a way to achieve our goal of home ownership! Highly recommend the team! Can’t thank them enough!!

September 2, 2025 Victoria

W. Beattie

Highly recommended! As returning expats with self-employed income, traditional lenders just aren’t interested. After a failed attempt with another broker we had pretty much given up. Carolyn and her team’s tenacity got us across the line and we were able to borrow more at a better interest rate.

January 17, 2024 Queensland

Jacqui

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.

November 13, 2019 UAE

S. Cosgrave

Bridget’s knowledge and experience in the refinancing and lending field was second to none. Utilising the best expat packages available she has saved me thousands of dollars per month with the refinancing and lending options she provided.

May 17, 2024 Victoria

J. Hoyer

Excellent service from start to finish. The team was attentive, communicative and always helpful with my queries. Highly recommended.

February 10, 2026 NSW

Aaron F.

Bridget and Gino helped our family secure a competitive loan with minimal stress and clear communication every step of the way. They took the time to understand our needs, explained all our options thoroughly, and made the entire process smooth from start to finish. We couldn’t be happier with the service and would highly recommend them to anyone looking for expert mortgage advice.

June 28, 2025 Dubai

K. Daly

Carolyn is very responsive, communicates clearly, and is always available whenever I have questions. I have never felt hesitant to ask anything, and she always takes the time to explain things thoroughly.

March 18, 2026 S. Korea

Mark Delaney

Grace took the time to understand our needs and our capabilities and tailored a loan that suited us and our requirements. I thank you Grace for your commitment to client satisfaction over a long period.

July 27, 2023 Melbourne

L. Rosoux

Grace and Gino were amazing! They were able to answer all my questions and so accommodating when I requested to have calls or meetings. It took me a bit longer then I thought to purchase my property, but they were with me every step of the way. I look forward to working with them in the future.

April 4, 2024 NSW

P. Dick

We are overseas expats with good incomes and found challenges qualifying for home loans in Australia.
Grace and her team made the bank application painless.
I highly recommend using Specialist Mortgage to broker your Australian home loans.

April 14, 2024 Singapore

J. Hughes

A sincere thank you to the Specialist Mortgage team for your dedication, professionalism, and getting me across the line. I honestly thought I’d have to sell my Sydney property before I found you.

September 24, 2025 Australia

Rob G.

Helen and her team were awesome, assisting with a new property purchase and re-finance of existing loans in record time, all with improved overall pricing. Very professional and highly recommended.

January 4, 2024 Queensland

L. Rudevics

Carolyn and John have helped me to settle on the purchase of my second investment property. Being an overseas buyer comes with a few extra challenges. They have always been highly responsive, reliable, helpful and patient as they’ve guided me through the very detailed process. Wholeheartedly recommend!

May 28, 2025 Dubai

M. W.

We have been using SMATS group for our mortgage needs since the early 2000s as both Australian residents and non-residents. Helen and her team are incredible. Effective, patient and leaders in industry trends. The mortgage deals they have achieved for us has saved us a significant amount of money.
We highly recommend them.

June 3, 2025 Queensland

Professor Aaron Russell

Grace continually maintains communication, ensuring her clients have the latest financial information and that they are receiving the best possible service.

July 6, 2023 Melbourne

Zac G.

Helen and John made buying our first property a dream, so seamless and professional. Will definitely be taking up their services again.

September 18, 2023 South Australia

P. Broadhurst

Great support from Helen and Gino throughout the process of buying my first home. I would be comfortable recommending them to anyone.

May 10, 2024 United Kingdom

J. Thomson

We recently purchased our first investment property with the help of Specialist Mortgage, and the experience was fantastic.

April 24, 2026 UK

Naden

Helen and her team absorb so much of the difficulty and tediousness of organizing a home loan, thanks to her meticulous nature and her prompt and effective communication.

April 9, 2021 Taiwan

M. Kredner

Exceptional service! We’re based overseas and Grace and her team have made our Australian home purchase journey a breeze. Professional, thorough and supportive. We are happy to endorse them for anyone considering them for mortgage services.

September 1, 2024 Hong Kong

Tim B.

We are expats living in Dubai and have found it hard to find lenders to cater for our situation. That’s until we found Bridget & Fanny from SMATS. Not only are they knowledgeable but their response time is very fast and they always explain everything thoroughly. I would highly recommend them to anyone.

July 30, 2025 Dubai

B. Hastings

A professional service from start to finish.

November 26, 2025 Dubai

A. Smithson

Bridget & Gino are a winning combination. They provided great service, were highly responsive and most importantly were able to get the job done.

December 4, 2025 Dubai

Dorothy N.

I had the pleasure of working with Carolyn. She explained all the intricate mortgage details in a manner that was easy for me to grasp. Carolyn conducted herself in a professional manner and was always available to address any questions or concerns I had. Thanks to her, the entire process was effortless and free of stress!

June 23, 2023 Sydney

Bruce Harrison

Highly recommend Specialist Mortgage and their hard working team. They were very professional and supportive, and persevered to prepare preapprovals and finalise finance over what was a very long and complex (French renumeration structure) and ultimately successful house search.

October 17, 2024 France

D. Whyte

Bridget and Gino at Specialist Mortgage have been fantastic to deal with these past three months. Highly recommended and exceptional communication throughout.

August 22, 2024 Dubai

K. Daly

If you are looking for a knowledgeable, trustworthy, and supportive mortgage broker, I highly recommend Carolyn.

March 18, 2026 S. Korea

C. Tuimaka

We used Specialist Mortgage for several investment house loans as expats. They were easy to work with, responded promptly and made it a stress-free process.

March 18, 2021 Victoria

B. Leane

Michelle and Carolyn at Specialist Mortgage made our expat loan process smooth and stress-free, negotiating with the bank and settlement agents. I highly recommend them for anyone seeking a loan while living abroad.

February 4, 2026 Dubai

Corey

Working with Specialist Mortgage has been nothing short of a pleasure. They went above and beyond what was expected of a mortgage broker.

April 16, 2026 Portugal

Janet and Navesh P.

Thank you, Simon, Helen, and John, for supporting us on this investment and being an integral part in completing the purchase of our new home. We highly recommend and look forward to working with SMATS again.

February 9, 2024

P. Jones

We cannot thank Specialist Mortgage and Bridget enough for all their support in our most recent property purchase. They managed everything for us and we were able to do everything needed from right here in the UAE. We will 100% use their services again!

May 15, 2025 UAE

S. Lee

Bridget has helped us get our loan sorted both while we were living overseas and now that we are back in Australia. Her team is professional, efficient, knowledgeable and able to get things done when others have said no. I highly recommend their service.

January 29, 2026 AUS

M. Hartsuyker

Impeccable service end to end. As a working expat living abroad in a time zone that makes it difficult to deal with in Australia, I found the team to be extremely knowledgeable, responsive, and helpful. They managed the process from initial enquiry right through to settlement to the highest quality.

January 28, 2026 UAE

Matt H.

I used the Specialist Mortgage broking team to secure lending in Australia at a time when Australian banks were imposing tight controls on expat lending.

The team were impressively responsive and helpful throughout the whole process and able to secure me a great outcome. I would highly recommend using their services.

August 18, 2022 Brisbane

F. Alarcon

We are very happy with the service provided particularly from Grace and her team. They were very helpful with our loan application, keeping us updated and always available on short notice.

October 5, 2024 Hong Kong

K.Daly

I highly recommend Carolyn. From the beginning, she has taken the time to help me understand the entire mortgage process and the financial details involved, which made what can often feel overwhelming much easier to navigate.

March 18, 2026 S. Korea

Johanna D.

There was no gain for SMATS in doing this, Bridget just wanted to do what is best for their customer, and we are so grateful for their help and support over the years. I would 100% recommend SMATS for their excellent service offering and customer service, always putting their customers first.

July 9, 2021 Dubai

Shiree M.

Specialist Mortgage/SMATS was recommended to us by other expats and we are very glad we took the advice. Highly recommend to all.

October 20, 2021 Saudi Arabia

Camilo P.

It has been an absolute pleasure to work with Grace over the last 2 years. Grace has the ability to build strong customer relationships as she genuinely cares for her customers, she is a very experienced, who is selfless with her time and is always willing to assist her peers.

July 22, 2023 Melbourne

57marawa

We have been using SMATS Group for our mortgage needs since the early 2000’s as both Australian residents and non-residents. Helen and her team are incredible. Effective, patient and leaders in industry trends. The mortgage deals they have achieved for us have saved us a significant amount of money. We highly recommend them.

June 24, 2025 Singapore

Dorothy N.

Carolyn went above and beyond to assist me in finding the perfect mortgage for my needs. Carolyn had extensive knowledge and understanding of the mortgage industry, and she took the time to comprehend my financial goals and personal circumstances.

June 23, 2023 Sydney

Geoffrey T.

Great assistance from Bridget and Gino with mortgage preparation and processing.

September 7, 2025 Germany

Mark Delaney

The loan Grace provided was a unique package that I have never seen before but was perfect in challenging times. This would not have been possible if Grace had not understood us and pushed, challenged, and changed internal process’, standards and procedures.

July 27, 2023 Melbourne

Tom L.

Even after the loan was approved, Helen worked with my conveyancer to ensure that final settlement was achieved without delay. I recommend Helen without hesitation and look forward to working with her again in the future. Thank you again for all your help!

July 13, 2022 Dubai

Corey

We would definitely recommend the Specialist Mortgage team to anyone needing a mortgage broker who knows the ins and outs of borrowing.

April 16, 2026 Portugal

Tim & Diana

What we appreciated the most is the response time and continuous support throughout the process of pre-approval all the way up to settlement. They are great professionals that explain everything thoroughly. We really trust them to help build our portfolio. Highly recommended to anyone!

August 4, 2025 Qatar

T. Nick

Bridget has been an amazing mortgage broker, she is always very accessible, follows through and thinks outside the box!

March 31, 2026 Dubai & AU

Elisabeth

Thank you to Bridget, Fanny and the SMATS team for helping us secure the loan for our dream home They clearly know what they are doing and are well versed in every stage of the process. We just provided information, they took care of the rest. I definitely recommend SMATS for expats wanting a mortgage in Australia.

December 19, 2019 UAE

M. Hartsuyker

Impeccable service end to end. The team managed the process from initial enquiry right through to settlement to the highest quality.

January 28, 2026 UAE

Tim & Diana

Bridget & Fanny are really specialists in their field, and they have a good knowledge of the expat situation. We used their service whilst living in Qatar and UAE and they were able to understand and cater for our unique situation at every step.

August 4, 2025 Qatar

A. Wild

EXCEPTIONAL customer service from Specialist Mortgage.

My housing loan process in Australia was so smooth.

March 17, 2021 China

M. Buswell

Thank you for all the behind the scenes work you did to get us where we are today. It was a long process, but we got there in the end.

June 14, 2025 UK

J. Burack

As an American expat based in Singapore, I had a very positive experience with Specialist Mortgage. Grace and her team assisted us each step of the way to successfully obtain a mortgage to purchase a property in Brisbane. We were very satisfied with their professionalism and expertise.

March 14, 2025 Singapore

Tarek

Bridget made sure that I had the best rate and promptly provided me with clear answers for all my questions. She supported me through every single step in a professional and efficient manner.

January 17, 2019 UAE

S. Poole

I refinanced and obtained a new, appropriately sized loan within weeks, while living in India. Carolyn and Gino were prompt, thorough, and professional. Excellent job by an outstanding team.

April 28, 2026 India

A. Robinson

We had a great experience getting a new construction loan and mortgage with Grace and Gino at SMATS Group. We received excellent advice and communication at every step.

Victoria

Naden

I have now gone through the arduous process of purchasing an Australian property four times. On the last three occasions, Helen Avis has been my first and most important point of contact in the process.

April 9, 2021 Taiwan

Alex

Bridget’s tireless work to finally find a lender for me with competitive terms was exceptional.

May 14, 2020 Doha, Qatar

MIC S.W

The Specialist Mortgage team provided continual professional care and attention as we worked through some of the challenges faced when remotely purchasing and financing property investments in Australia.

April 10, 2026 USA

Angela R.

Helen delivers. She is practical, responsive, efficient and caring.
Helen has helped us many times with our finance over the years. If something can’t be done, Helen will tell you straight – but she will always offer alternatives and solutions.
We trust her completely.

October 30, 2022 Dubai

A. Davies

If you are living in Singapore and want to buy a property in Australia then you’ll need a top notch mortgage broker. Helen and John at Specialist Mortgage did a fantastic job for me when they helped me secure a mortgage in Australia. The service, follow ups and general support were very good.

March 12, 2024 Singapore

B. Layton

Thanks to Helen and Gino for helping us refinance our investment property and get a construction loan for our new build. We had no luck with our primary bank (despite their best efforts). Specialist Mortgage were able to work with us on different options, and manage my ever changing pay structure, to get us over the line.

April 17, 2025 Queensland

Jian

Bridget and Fanny were efficient, excellent at communication and found us a competitive product that met our requirements. They walked us through each step of the process, making our mortgage application go as smoothly
as possible. Thank you!

July 2, 2025 VIC

Mark

Everyone I worked with on this purchase was fantastic. Helen helped me to find a mortgage when my existing bank said no.

May 14, 2020 Perth

Dom & Yvette

Helen Avis did a really outstanding job pushing our formal approval through in 4 days. She was also very helpful in advising me of the risks around unconditional vs conditional exchange which was much appreciated.

October 20, 2023 Singapore

W. Loannidis

Great customer service and always available to clarify and respond.

June 2, 2025 Abu Dhabi

K. Daly

If you are looking for a knowledgeable, trustworthy, and supportive mortgage broker, I highly recommend Carolyn.

March 18, 2026 S. Korea

Doug

Thank you to the Specialist Mortgage team for arranging finance for my new Australian property. Not an easy task given my China working location and a tightening banking environment for foreign-based workers.

April 2, 2026 Shanghai

A. Campbell

Bridget and Gino were fantastic to deal with in my latest investment in Western Australia. They are consistently communicative, professional, and genuinely helpful throughout what can often be a complex and stressful process.

October 8, 2025 Dubai

T. Nick

Bridget has been an amazing mortgage broker, she is always very accessible, follows through and thinks outside the box!

July 18, 2019 Dubai & AU

T. Brown

I had previous trouble securing finance from other brokers to purchase a property in Australia, however Grace and John were able to expertly guide me through the process and get me what I needed. Fast, responsive and overall a pleasure to deal with.

March 11, 2026 JPN

Belinda V.

Big thank you to Carolyn & Michelle, they made what others said ‘impossible’ possible!!! Managed to get our pre-approval done in record time! Such a seamless experience all the way through to the loan settlement.

September 2, 2025 Victoria

J. Thomson

Carolyn and her team were excellent. Communication was open, and they gladly explained details when we had questions. Most of all, we felt supported throughout.

April 24, 2026 UK

Professor Aaron Russell

Grace has played a major role in supporting my financial investments over the past 16 years. She is a true professional and a wonderful person to work with. I will contribute to work with Grace and cannot recommend her highly enough.

July 6, 2023 Melbourne

Naden

I would have long been deterred from property investment in Australia had it not been for the hard work and high standard of service Helen offers.

April 9, 2021 Taiwan

A. Campbell

Over the past 10 years, Specialist Mortgage has supported me in securing finance for several of my property investments. They’ve made the process seamless, even while I was living overseas in Dubai and London.

October 8, 2025 Dubai

I. Bayeh

Bridget made it easy for me to choose a bank and she arranged special finance packages, pre-approval and final loan approval.

February 12, 2021 Bahrain

G. Waddell

We highly recommend Specialist Mortgage, especially Bridget for helping us secure our dream property. Bridget supported us with patience and wisdom, timely responses to questions, and we felt we had the perfect partner to navigate us through the process.

March 30, 2026 UAE

Tom L.

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.

July 13, 2022 Dubai

Johanna D.

Bridget Bowman recently helped me lower the interest rate on my variable rate mortgage in Australia. The result was an over $100 reduction per month! As an existing customer with an ongoing relationship with SMATS, all it took was one email to Bridget and she was on the case, about 7 days later she sends me an email with the good news.

July 9, 2021 Dubai

Dorothy N.

I would like to express my sincere appreciation for Michelle, who provided support throughout the mortgage process. Michelle ensured that everything proceeded smoothly and that my application was completed on time.

June 17, 2023 Sydney

Bruce Harrison

A big thank you to Bridget and Gino. Getting back into the very difficult Australian real estate market would not have been possible without their support.

October 17, 2024 France

Jamie

My experience with the Specialist Mortgage team was fantastic; they are extremely knowledgeable. The Specialist Mortgage team pointed out important factors in my settlement, which led me to save a lot of money.

I highly recommend Specialist Mortgage, and I will be using their services again.

April 1, 2026

M. Buswell

We appreciate your hard work and complex understanding of our situation. We will definitely recommend you to our friends and family.

June 14, 2025 UK

I. McClelland

I couldn’t be happier with the advice provided or the outcome achieved. Very good working with foreign clients, brilliant communication throughout. Highly recommend.

March 13, 2026 UK

S. Gunaratna

Thank you for the outstanding job you did in refinancing our home loans. Your team truly understood our home loan requirements and provided us with specialist advice that not only met our current needs but also allowed us to plan for future growth.

March 12, 2025 Queensland

J. Liew

Thank you to Grace Neo and Gino Lugto from Specialist Mortgage for all their help with our loan application. I highly recommend them to Aussie expats or anyone with foreign income wanting to buy property in Australia.

January 30, 2026 Italy

Greg

Helen’s intimate knowledge of the market and pricing of various loans (investment, owner occupier, interest only etc) has made loan selection a breeze and enabled us to have confidence in our decision making.

July 1, 2020 Queensland

F. Monceaux

Our broker Carolyn, and her assistant, Michelle, were excellent from day one. No fuss approach and knowledgeable, they understood our needs and got us the best deal possible. Who knew that refinancing your home loan could actually be enjoyable!

August 2, 2024 NSW

Jamie

My experience with Specialist Mortgage was fantastic, they are extremely knowledgeable.
They pointed out important factors in my settlement which lead me to saving a lot of money.
I highly recommend Specialist Mortgage and I will be using their services again.

August 10, 2022 Australia

Joseph P.

We recently used Specialist Mortgage again to obtain home loan finance and received the same high level of fast, efficient and reliable service as previously experienced. Great service and great communicators. Highly recommended for finance services.

June 11, 2025 Dubai

Fabian Longin

The application process was straightforward, the guidance was clear, and the support never wavered. It was such a relief after so many false starts.

September 22, 2025 UK

P. Jones

As an Australian citizen, Australian Non Tax Resident and UAE resident, finding a home loan can be challenging and a daunting task. On two separate occasions we have used the Specialist Mortgage team to secure a loan and have found them to be extremely professional, responsive, knowledgeable and have a true partnership approach.

May 7, 2025 UAE

A. Bereza

Both Bridget and Fanny are incredibly hard workers and generate value for their clients. They achieved the given deadlines and always strive to enhance their service.
I would highly recommend them.

March 22, 2024 Dubai

Andrew D.

A remarkably supportive service. Very professional in all aspects of initiating, securing and settling our transaction. I would not hesitate in dealing with SMATS and especially Carolyn and Rozita.

September 4, 2025 Qatar

Dean Lane

It’s been such a relief and pleasure having Grace as our personal banker for the past few years. She’s helped us to navigate a number of complex lending related issues, always providing professional, timely and friendly service.

July 13, 2023 Melbourne

D. Gill

Carolyn & Michelle assisted us with a rather complicated mortgage and refinance application, while we were living abroad. We felt fully supported throughout the process, saving us a lot of stress. We strongly recommend them!

February 6, 2026 Taiwan

E. Meffen

Once again, Bridget & Gino were fantastic at getting us the best mortgage for our situation. Thank you, highly recommend Specialist Mortgage.

September 14, 2024 Queensland

E. Holmes

Carolyn and Michelle were absolutely amazing throughout the entire mortgage process. Carolyn truly knows her stuff, and I can’t recommend her enough. I’ll definitely be using them again!

April 13, 2026 NSW

Mic S.W.

Specialist Mortgage provided continual professional care and attention as we worked through some of the challenges faced when remotely purchasing and financing property investments in Australia.

December 4, 2019 USA

S. Chugh

Carolyn and Michelle have been fantastic to work with in the last two years. What I love is their professionalism, their communication and how they are so patient with all our concerns and questions. I could not have asked for anyone better to help us.

April 25, 2025 Victoria

M. Hartsuyker

As a working expat living abroad and in a time zone that makes it difficult to deal with Australia, I found the team to be extremely knowledgeable, responsive, and helpful.

February 27, 2026 UAE

Michael H.

Bridget & Gino were super helpful during the process of purchasing an investment unit. Their communication & response time were above & beyond. Thank you

June 12, 2025 Queensland

Professor Aaron Russell

Grace is authentic, honest, and responsive. Grace makes it a priority to understand her client’s needs and her friendly and relaxed nature makes it a pleasure to liase with her.

July 6, 2023 Melbourne

David & Rhian

Through Bridget Bowman we were able to structure our home loan in order to secure a second property. Bridget was excellent in her service and advice rapidly securing loan approvals.

March 12, 2020 UK

Fabian Longin

From the first Zoom call with Grace Neo, I knew I was in expert hands. Grace, Michelle, and Katherine were fast, diligent, and always clear. A truly professional team.

September 22, 2026 UK

J. Thomson

We’ll definitely be using Specialist Mortgage again in the future and would highly recommend them to anyone looking for expert advice and a smooth property investment journey.

April 24, 2026 UK

S. Watson

Grace and her team were fantastic. Despite the overseas time zone challenges, the process was seamless from start to finish. Will happily use them again.

February 14, 2026 Saudi

A. Campbell

I was extremely pleased with the outcome and look forward to continuing the relationship with Specialist Mortgage.

October 8, 2025 UK

Lianne T.

Carolyn Xaftellis handled my purchase and I couldn’t be happier. She was organised, knowledgeable, efficient and responsive. The entire process was so easy. I would highly recommend her and her team at SMATS Group and would not hesitate to contact her again
in the future.

May 23, 2025 Singapore

Home Loan Calculators.

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Borrowing Power Calculator.

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Mortgage Repayment Calculator.

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Buying & Selling Costs.

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A SMATS Group Company.

SMATS Group are dedicated to supporting our global clients in their property journeys.

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:

  • Property tax planning
  • Retirement tax planning
  • Property ownerships structures
  • Capital gains tax and land tax calculations
  • Downsizing contributions to superannuation
  • Life insurance and income protection strategies

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.