Non-Resident Home Loans

 

TY Silver Non-Resident – Competitive home loans for Non-Residents of Australia

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

Designed for eligible borrowers who require alternative income verification and residential property finance for purchase or refinance purposes.

Loan Features

  • Loan purpose Purchase / Refinance
  • Property purpose Owner Occupied / Investment
  • Suitable borrowers PAYG / Self-employed
  • Repayment type P&I / IO up to 10 yrs
  • Rate type Variable / Fixed Premium
  • Loan size $50k – $2.5M
  • Maximum LVR 85% Full Doc / 80% Alt Doc
  • Loan term Up to 30 years
  • Security Apartments / Townhouses / Houses

Niches

  • Alternative income verification.
  • Self-employed borrowers.
  • Australian registered companies.
  • Family or unit trust borrowers.
  • Specialised securities acceptable.
  • Flexible cashout policy.
  • Minimum 6 months ABN acceptable.
  • One form of income verification.
  • No special restrictions for high-density apartments.
  • Vacant land acceptable.
  • Redraw or offset account available.
  • Online banking available.
  • Extra repayments available.
  • Split loan accounts available.
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
Learn More
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
Learn More

Loan Details

Loan purpose:
Owner occupied or investment property:

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 $50,000

Max $1.5M (Full Doc)

Max $2.5M (Full Doc)

Maximum LVR

≤85% (No LMI) (Full Doc)

≤80% (Alt Doc)

Max Loan Term

Up to 30 years

Acceptable security
Apartments

Townhouses

Houses

Non-resident

3-Year Fixed Rate Available

Confirmation of Loan Acceptance within 48 hours

Offset facility available

Salaried and self-employed applicants

Fully featured online customer portal

No minimum Security Size Requirements

Submit Scenario

Initial Scenario Submission

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