International Borrowers
International Borrowers
From 7.39% variable rate & 7.75% comparison rate
\Residential – Our International Borrower Loans are tailored to meet the specific requirements of eligible non-resident and expatriate borrowers seeking to invest in Australian property. Whether you're an Australian residing overseas or a qualifying international citizen, we provide distinct financing solutions. Furthermore, we recognize that expatriates owning Australian property may seek equity access or debt consolidation. Our loan products are structured to assist with these requirements, ensuring you receive the assistance you deserve.
Key Benefits
Accessing Australian Property
International Borrower Loans provide opportunities for eligible non-residents and expatriates to invest in Australian real estate.
Customized Financing
Tailored solutions for borrowers residing abroad, whether they seek property investments or plan to return home.
Support for Expatriates
We provide specialized financing options for expatriates who already own property in Australia, addressing equity access and debt consolidation needs that are often overlooked by other lenders.
Expatriate Loan
A loan designed for Australian citizens working or residing abroad who are seeking to purchase property or refinance an existing loan for debt consolidation or equity access.
Current Rate^: 7.39%
Comparison Rate*: 7.75%
Security Type: Residential (including single build construction) and commercial security
Loan Purpose: Purchase, refinance and cash out available
Verification Required: Fully verified income only
Minimum Loan Amount: $100,000
Maximum Loan Amount: $25,000,000 (70% LVR), $5,000,000 (75% LVR), $2,000,000 (80% LVR)
Maximum LVR: 80%
Maximum Loan Term: Up to 30 Years
Repayment Type: Principal & Interest (Interest Only up to five years considered)
Maximum Interest Only Term: 5 Years reverting to P&I (+0.40% p.a. loading to interest rate)
Redraw Available: Yes^
Application Fee (Excl. Val. & Legal Fees): 0.75%
Risk Fee: $0
Additional Repayments: Yes
Non-resident Loan
A loan tailored for international borrowers seeking to invest in Australian real estate, contingent upon approval from the Foreign Investment Review Board ("FIRB").
Current Rate^: 7.89%
Comparison Rate*: 8.25%
Security Type: Residential (including single build construction) and commercial security
Loan Purpose: Purchase, refinance and cash out available
Verification Required: Fully verified income only
Minimum Loan Amount: $100,000
Maximum Loan Amount: $25,000,000 (70% LVR), $5,000,000 (75% LVR), $2,000,000 (80% LVR)
Maximum LVR: 75%
Maximum Loan Term: Up to 30 Years
Repayment Type: Principal & Interest
Redraw Available: No
Application Fee (Excl. Val. & Legal Fees): 1.50% plus 1% Non-Resident Premium
Risk Fee: $0
Additional Repayments: Yes
Let's Get Lending From The Expert
We Are Here To Help
Scottie Financial was established because a much better way of delivering Australian specialist lending is available and overdue.
More than ever, brokers and borrowers need a specialist lending partner able to bring them:
✔️ A comprehensive and flexible product range
✔️ Competitive rates with no ongoing fees
✔️ Comprehensive digital operations, delivering faster and simpler approvals across all loans every time
✔️ A highly experienced Credit team equipped to deliver high quality service and results to all business partners.
Level 17, Angel Place, 123 Pitt Street, Sydney, NSW 2000
* Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The interest rate quoted is effective 4th December 2023, the actual interest rate applicable will depend on our assessment criteria. Terms, conditions, fees, charges and Scottie Financial lending criteria apply.
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