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Expat & Foreign Income Lending

Expat & Foreign Income Lending

Support for Australian citizens and permanent residents living overseas who want to buy property in Australia using foreign income.

How can this service can assist you?

This service is designed for Australians working overseas who want to purchase property back home. It focuses on explaining how lenders assess international income, what documentation is required, and how residency status may impact the loan process. Clients receive support in navigating lender policies that apply specifically to expats, helping avoid unnecessary delays and ensuring applications are well-prepared from the outset.

Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

Disclaimer Statement

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

Compliments & Concerns

At Cultivate Financial, your feedback is valued. Whether you’d like to share a positive experience or raise a concern, there’s a simple process in place to ensure your voice is heard.


All feedback helps improve the way services are delivered and ensures that clients continue to receive the respectful, transparent and supportive experience that Cultivate Financial is committed to providing.


You can view the full process on the Compliment & Concerns page.

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Copyright © 2025 Cultivate Financial Pty Ltd.  ABN: 78 688 841 607. Credit Representative 570932 is authorised under Australian Credit Licence 389328

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

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