Fast Home Loan Approval For British Expats
- For British Expats on Temporary or Permanent Visas
- We approve when others said “no”
- Borrow up to 95% of the purchase price
- Competitive interest rates
- No cost, no obligation service
If You’re a British Expat Living in Australia and You Need a Home Loan, MAP Provides All These Advantages…
- Loans up to 95% of property value. No need to find a 20% deposit.
- Get approved…when you may have been turned down.
- We make a complex process easy. Proven track record helping UK expats buy a home in Australia.
- Low interest rates. Reduce monthly payments and/ or get more property.
- Speed…get approved quickly so you can move swiftly in the market.
If you’re a British ‘expat’ citizen and you’re living in Australia, you know that finding a home loan can be extremely challenging and bureaucratic.
Here’s the problem. The big banks and mortgage brokers want you to fit their ‘perfect’ template when you approach them directly. But because you are not a citizen, the banks aren’t prepared, or willing, to deal with you.
At MAP, we specialise in helping people like you who don’t fit that ‘perfect’ template. We’ve helped hundreds of UK citizens secure loan approval. The result? You can purchase property in Australia—even if you’re not a citizen.
Because we specialise in this niche, we understand the process and can overcome hurdles. The process is streamlined, fast, and efficient—so you can enter the property market quickly and find the property that best suits your needs. We work with 31 mortgage lenders so there’s a strong possibility we can help you secure a loan—whatever your circumstances.
The first step is a friendly, no obligation phone call with one of our specialists. Simply book a free strategy call.
7 Reasons UK Expats Choose MAP
- Speed. We specialise in a complex process and make approval easy and fast.
- Loans up to 95% so you don’t have to pay the typical 20% deposit. This saves you thousands and helps secure approval.
- Avoid potentially expensive mistakes because we take care of foreign currency, regulatory, and taxation details.
- Approval when others have said ‘no’ because we have strong relationships with 31 mortgage lenders who will loan to British Expats.
- Get a higher property loan than you expect because we work hard to find you the lowest interest rates.
- Rock-solid guarantee. If you’re not totally and completely satisfied with our service, we pay the first week’s home loan interest repayment. No questions asked.
- Specialist staff with extensive experience helping British expats living in Australia. We make a complex process easy…and quick.
We have helped British expats with just about any situation or visa. Finding that all-important home loan starts with a simple phone call to one of our specialists. Simply book a free strategy call. There is no obligation and the phone call is totally confidential. You will need an electronic copy of your visa plus some very minimal paperwork. Some clients own property in the UK. Some do not.
What Others Are Saying…
Here is a small sample of what British Expats have said about the strategies inside the Quick-Start Guide:
I cannot speak highly enough of his professionalism, knowledge and willingness to help
DanielRefinance tailored to my objectives and circumstances
MAP Home Loans recently helped refinance my mortgage and I cannot speak highly enough of my broker’s professionalism, knowledge and willingness to help. I have dealt with a number of banks and brokers over the years and they could all learn a thing or two from him. He ensured that all my objectives were taken into account and was able to tailor advice that was appropriate to my circumstances. He kept in touch with me throughout the whole process and was always happy to answer all my questions. I sincerely thank him for all the help and look forward to working with him again in the future.
Our situation was far from the norm, and the team’s knowledge of the banks policies was outstanding
Gareth and LisaOutside the norm, bank policy knowledge delivered
We are so happy with the great service MAP Home Loans provided! Our situation was far from the norm, and the team’s knowledge of the banks’ policies was outstanding. We felt they went the extra mile for us, and would have no hesitation in recommending MAP Home Loans to others. We will definitely use them again in the future!
He recommended if I wasn’t 100% set on a property to hold out to get first time buyers allowance and stamp duty waiver
Rob & Christina….and the bump!!Guided through an off-the-plan buy from overseas
It was my first time entering the mortgage market and MAP Home Loans made the whole process very simple. We originally spoke when I was on a 457 with my PR in progress and my broker recommended that if I wasn’t 100% set on a property, to hold out to get the first home buyers allowance and stamp duty waiver. A year or so later with a deposit on an ‘off the plan’ apartment in Perth, he was right there to guide me through the whole process while I was working overseas in China. All my multitude of questions were answered in great detail, almost instantaneously at times! I got exceptional advice on future planning in regard to an investment property and family home with a mortgage geared to suit. Dare I say, I finally understand this negative gearing lark! I can’t say enough good things about the service provided by MAP Home Loans. I’ll be in touch shortly for the family home mortgage, when we’ve worked out how many bedrooms we’ll need!
We made one last call and it was to Craig
Anjuli & Kris BalachandranLoan approved on a temporary visa after banks said no
Finally, we were able to buy our own place in Sydney. Thanks to MAP Home Loans. We were given the run around by various banks (we had a unique situation and despite a good, stable income, the loan wasn’t coming easy).
When we had almost finally given up, we had nothing to lose and made one last call, and it was to my broker. Our hopes were back two days from there, and we had our loan approved within the next few days. We appreciated all the prompt and helpful responses to our queries in relation to purchasing with a temporary visa. He even made a bank valuation possible in 24 hours or so.
If we ever need help again with our finance, he will be the first person we would call.
Kindest regards,
Anjuli & Kris
You Have a Choice
If you’re a British expat living in Australia and you’d like to buy a property that becomes your home, you have a choice.
You can go through the big banks and mortgage lenders. This can be difficult, confusing, slow, and expensive. You will likely get rejected and damage you credit rating in the process.
You can contact us and arrange a free consultation. You’ll quickly discover that we can help you secure a mortgage that suits your needs and budget. Book your free strategy session to get started.
British Expat Home Loan FAQs
Can a British citizen get an Australian home loan?
Yes. British citizens can borrow for Australian property whether living in the UK, on a visa in Australia, or moving back. MAP works with 31+ lenders who accept GBP income. Maximum LVR ranges from 80% for UK-resident foreign nationals to 95% for British nationals on a partner visa.
Do British expats need FIRB approval to buy in Australia?
British citizens living in the UK are classified as foreign persons and need FIRB approval. Fees start at $14,700 for properties under $1 million. British nationals in Australia on a partner visa buying jointly with their Australian partner as joint tenants are generally exempt — including from the April 2025 established dwelling restriction.
How is GBP income converted for an Australian mortgage?
Most big banks convert GBP at a discounted rate and apply a further 20–40% shading. MAP's specialist panel uses the current mid-market rate and assesses income from actual UK tax paid. On a £100,000 salary, that difference can mean £20,000–£25,000 more assessable income in the lender's servicing calculator.
What deposit do British expats need in Australia?
Minimum deposit starts at 10% for British citizens on a partner visa buying jointly with their Australian partner, or 20% for UK-resident British nationals buying on their own. Deposits can be held in GBP and transferred at settlement. Genuine savings, UK property equity, and family gifts are all acceptable sources.
Can I use my UK pension as income for an Australian home loan?
Yes, with the right lender. Several lenders on MAP's panel accept UK state pension, occupational pension, and SIPP drawdowns as serviceable income, provided the pension is regular and documented. NHS pensions are widely accepted. Big banks often decline overseas pension income — specialist lenders treat it as standard income once documented.
What stamp duty surcharge does a British expat pay?
British citizens who are not Australian citizens or PR holders pay the foreign buyer stamp duty surcharge — typically 7–8% of the purchase price on top of standard duty. ACT and Northern Territory have no surcharge. Buying jointly with an Australian citizen or PR partner as joint tenants removes the surcharge entirely.
Free Home Loan
Strategy Session
Request an exploratory chat about your options and how to secure fast home loan approval, at a competitive rate – even if you don’t have a 20% deposit.