OUR SERVICES.
Australian Mortgage Info.com is one of the few expert and specialised mortgage broker in Australia dealing specifically with and only with NON RESIDENTS.
The average Australian mortgage broker will claim they can deal with Non residents special requirements, BUT we are virtually the only broker that exclusively deals in this market.
Our aim is to help Non-residents select and negotiate the most suitable mortgage for their needs at the best available terms and conditions, while providing impartial advice and assistance throughout the process. We operate mainly via direct channels (Internet, E-mail, phone), but we are also available to meet in person should you be visiting Australia. Thanks to our strong relationships with the best lenders in Australia, we provide Non-residents with exclusive and competitive mortgage products, including our very attractive LOW INTEREST loans for residents of certain countries, that can start around 2%.
We are able to help nearly all foreign residents who are interested in purchasing residential real estate in Australia, who often find it difficult to obtain a mortgage from their domestic institutions for such purpose. Presently, our services for non-residents are available in 27 countries. The available product range for non-residents is in many cases significantly better than that available to residents of Australia, due to the Multi currency loans, and it is typically possible to obtain the following types of mortgages, with maturities up to 30 years, and no age restriction: - Fixed rate
- Adjustable rate
- Flexible repayment mortgage
- Up to 90% in Australian Dollars
- From just over 2% in certain currencies
- Low interest loans available in USD, HKD, SGD, Euro and other currencies from time to time.
- Interest only investment loans
Underwriting criteria for non-residents are typically as follows: - Nationality: We are usually able to serve residents of most EU countries (including the UK), along with citizens of the United States, Hong Kong, Singapore, Japan, the UAE, South Africa, Switzerland, as well as most South East Asian countries.
- Other nationalities can be considered on a case-by-case basis.
- Loan purpose: purchase or refurbishment of residential properties , EITHER EXISTING OR "OFF-THE- PLANS"(We may also be able to help with some vacant land, rural proeprties or commercial real estate) located in Australia.
- Loan-to-value: maximum 90% of appraised property value in Australian dollar loans, up to 75% in other currencies.
- Mixed currency loans also available.
For more details about the steps required to obtain a mortgage or the documents required, please complete the form below.
WHY USE OUR SERVICES?... 8 KEY POINTS WHY YOU NEED TO CONSIDER USING OUR SERVICES FOR LOANS RATHER THAN "GO DIRECT" TO A BANK: 1. Our Minimum loan size as low as $100K. ( Most Australian Banks overseas offer much higher minimums) 2. We can offer up to 15 years investment loans (interest only) Most Australian Banks overseas offer only three years. 3.-Loans taken overseas (even if through an Australian Bank) do not translate into any credit rating in Australia. They are separate businesses 4 . Using our services means that clients have access to many lenders not just one as the next best deal for them may be with an alternate lender. This can especially be true if they reach the maximum loan amount their current lender will allow as each bank does have a maximum exposure level they will go to with each client. 5. In addition we understand WHAT the Banks are looking for, and can structure your loan application accordingly so as to not jeopardise your application and future applications. 6. Our loans are not dependent upon your age. (You can get a 25 or 30 year mortgage if you qualify financially, no matter how how "old" you may be)
7. Interest rates the same. In many cases much lower, especially in our foreign currency loans . And we do not charge any fees.
8. We take your foreign income into consideration. And we can tailor a loan into the currency you are earning overseas (or organise an Australian dollar loan)
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