Expat Home Loans

TY Silver Expat – Competitive home loans for all types of Australian Residents with foreign income or temporary residents in Australia.

Variable Rate From
p.a.
Principal & Interest
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Loan Features & Niches

Competitive home loan options for Australian residents with foreign income or temporary residents in Australia.

Loan Features

  • Loan purpose Purchase / Refinance
  • Property purpose Live-In / Investment
  • Suitable borrowers PAYG / Self-employed
  • Repayment type P&I / IO up to 5 yrs
  • Rate type Variable / Fixed Premium
  • Loan size $100k – $3M
  • Maximum LVR 85% Full Doc / 80% Alt Doc
  • Loan term Up to 30 years
  • Security Apartments / Townhouses / Houses

Niches

  • Australian residents with foreign income.
  • Temporary residents in Australia.
  • Borrow up to 85% of the property value.
  • Loan amount up to $3,000,000.
  • Temporary, permanent residents or citizens.
  • Buying scenarios.
  • Investment property scenarios.
  • PAYG and Full Doc applicants.
  • Alt Doc accepted with 1 year financial statement.
  • Purchase scenarios.
  • Refinance scenarios.
  • Principal and interest repayments.
  • Interest only up to 10 years for Full Doc.
  • Interest only up to 5 years for Alt Doc.
Available Products

Loan Products

Explore TY Money lending products designed for residential, non-resident, SMSF, expat, construction and vacant land scenarios.

Australia Resident

TY Diamond / Gold / Effortless

Full & Alt Doc Residential Loans for PAYG and self-employed borrowers.

6.23% p.a.
Variable rate from
Loan Size $100k – $3.5M
Max LVR 85% / 80%
  • Purchase, refinance and equity release
  • Full Doc and Alt Doc pathways
  • PAYG and self-employed borrowers
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Non-Resident

TY Silver Non-Resident

Competitive home loans for non-residents of Australia.

7.49% p.a.
Variable rate from
Loan Size From $50k
Term Up to 30 yrs
  • Owner occupied or investment property
  • PAYG and self-employed borrowers
  • Purchase, refinance and equity release
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SMSF

TY Effortless SMSF

Residential SMSF loan options for salaried and self-employed borrowers.

6.69% p.a.
Variable rate from
Residential Up to 90%
Commercial Up to 75%
  • New or established SMSF
  • $0 offset loading
  • No mortgage insurance
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Expat

TY Silver Expat

Home loans for Australian residents with foreign income or temporary residents.

6.64% p.a.
Variable rate from
Loan Amount Up to $3M
Borrow Up to 85%
  • Temporary, permanent or citizens
  • PAYG, Full Doc and Alt Doc
  • Buying or investing scenarios
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Construction

TY Effortless Owner Builder

Competitive construction loans for eligible owner builder scenarios.

6.69% p.a.
Variable rate from
Construction Up to 95%
Loan Amount Up to $3.5M
  • High density accepted
  • NDIS construction options
  • Interest only options available
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Vacant Land

TY Infinity Vacant Land

Competitive lending options available for vacant land scenarios.

7.74% p.a.
Variable rate from
Loan Size Up to $5M
Max LVR ≤75%
  • Purchase, refinance and equity release
  • Full Doc and Alt Doc options
  • Up to 30 years loan term
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Buying

Borrow up to 85% of the property value

Loan Amount up to $3,000,000

Temporary, Permanent or Citizens

Investing

Borrow up to 85% of the property value

PAYG & Full Doc

Alt Doc: 1 Year Financial statement

Loan Details

Loan purpose:

Purchase

Refinance

Equity Release

Suitable borrowers
Salaried Employees (Full Doc)

Self-employed

Repayment types

Principal and interest

Max 10 yrs IO (Full Doc)

Max 5 yrs IO (Alt Doc)

Interest rate types
Variable rate

Up to 5 yrs Fixed rate premium (Alt Doc)

Loan size

Min $100,000

Max $3M (Full Doc)

Max $3M (Alt Doc)

Maximum LVR

≤85% (No LMI) (Full Doc)

≤80% (Alt Doc)

Max Loan Term

Up to 30 years

Acceptable security
Apartments

Townhouses

Houses

Submit Scenario

Initial Scenario Submission

Send us your basic scenario details and our team will review your enquiry.