The short answer
Yes, specialist Australian lenders consider some expatriate borrowers, subject to country, visa, income verification and property criteria.
MA Money publishes an expat loan guide covering Australian citizens or permanent residents working overseas, including eligible foreign-income situations and specific country lists. Criteria vary significantly by lender and can change.
What to do next
Provide payslips, employment contract, tax residency details and foreign-currency bank statements, and have a broker screen lenders for your country of employment.
EHMF
This official website is a relevant starting point for this question. Product access or eligibility depends on where you live and the provider's own requirements.
Visit EHMF ↗Official website — not an affiliate tracking link. A resource link does not imply that every reader qualifies for its services.
Questions people ask
What is the direct recommendation for can an Australian citizen earning a salary overseas get a mortgage in Australia?
Yes, specialist Australian lenders consider some expatriate borrowers, subject to country, visa, income verification and property criteria.
Which residency or country restrictions apply to can an Australian citizen earning a salary overseas get a mortgage in Australia?
Yes. This page describes the rule or example for Australia. The contract, residence and tax rules in another jurisdiction can differ.
Primary source
Our answer is based on guidance published by MA Money expat lending guide.
This article explains the published general rule or provider example. It does not establish personal eligibility, a guaranteed allocation or an individual tax outcome.
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