The Australian property market continues to attract strong interest from overseas buyers, returning expats and non-resident investors. Yet for many of these clients, standard lending pathways create unnecessary friction.
Connective Horizon's international lending solutions are designed to help brokers navigate cross-border complexity and convert more of these opportunities.
Why this matters
Overseas income, foreign currency earnings and visa status can complicate serviceability assessments, even when the underlying financial position is strong. Many lenders apply blanket restrictions to non-residents and expats without distinguishing between borrower profiles, leaving well-qualified clients without a pathway to finance.
Residential home loan products for international borrowers
Connective Horizon offers two dedicated residential home loan products for international clients, each tailored to a specific borrower profile.
Connective Horizon Non-Resident Home Loans
- Available to Australian temporary residents and non-residents of Australia (salaried or self-employed)
- Variable rate from 7.33% p.a. (comparison rate 7.86% p.a.)
- Loan sizes: $150,000 to $15,000,000 | Max LVR: 80% | Up to 30-year term
- Principal and interest or interest only (up to 5 years); variable or fixed rates (1 to 3 years)
- Security: apartments, townhouses and houses
- Borrowers accepted from 26 countries including China, Hong Kong SAR, Singapore, UAE, UK and USA
- Documents required: certified copy of passport and ID card; personal credit report from country of residence; income verification
Connective Horizon Expat Home Loans
- Available to Australian citizens, permanent residents or temporary residents with income in AUD or an acceptable foreign currency
- Variable rate from 6.99% p.a. (comparison rate 7.50% p.a.)
- Loan sizes: $50,000 to $15,000,000 | Max LVR: 80% | Up to 30-year term
- Principal and interest or interest only (up to 5 years); variable rate
- Security: apartments, townhouses and houses (Category 1 and 2 postcodes)
- Unlimited cash out available
- Paid defaults up to $500 may be considered
- Documents required: residency and income verification documentation
Across both products
- Foreign income accepted and converted using transparent currency policy
- Alt Doc income verification options available
- No requirement for Australian tax residency where borrower profile and security meet policy
- Streamlined application process with dedicated support from the Relationship Management Team
The broker opportunity
Overseas-based and returning clients often come to brokers with strong equity, stable income and clear purchase intent but without a clear lender fit. Brokers who understand Connective Horizon's international lending criteria can structure these scenarios with confidence and convert deals that others decline.
Supporting cross-border lending opportunities
For expat, foreign income and non-resident scenarios, your Connective Lending Manager or Connective Horizon BDM can help assess eligibility and structure the right lending solution.
Contact the Relationship Management Team at rmteamhorizon@brighten.com.au or 13 14 88 (request the Connective Horizon Relationship Management Team).
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