LDN · 02.2026·Banking VP, HSBC·$1.8M Mosman purchase
"Three brokers in Sydney quoted us at 60% LVR because of the bonus structure. Unloq got us 80% with a lender I'd never heard of — at a better rate than our AUD-domestic peers."
Est. Sydney · Serving 42 countries
Australian property,
engineered for the life you live abroad.
A private-office approach to Australian mortgages for expats and foreign-income earners. We match your world to the handful of lenders that truly understand it.
Live deskSydney · 09:14
- Funded since 2019
- $482M+
- Expat settlements
- 1,240
- Lenders on panel
- 38
- Avg. approval
- 9 days
ACL 504962FBAA member
London→Sydney·Dubai→Melbourne·Singapore→Brisbane·New York→Perth·Hong Kong→Adelaide·Zurich→Gold Coast·Tokyo→Canberra·London→Sydney·Dubai→Melbourne·Singapore→Brisbane·New York→Perth·Hong Kong→Adelaide·Zurich→Gold Coast·Tokyo→Canberra·
01 · Philosophy
The bank hears "overseas" and says no.
We hear it and know exactly who to call.
For most Australian lenders, a foreign payslip is a wall. For the right ones — the ones we've spent a decade curating — it's just another data point. We don't sell loans. We translate your life into a story the right desk already believes.
P.01
Private-office calm
One advisor. One thread. No passing between sales and processing while you try to raise kids in Dubai.
P.02
Currency-literate
GBP, AED, USD, SGD, HKD, EUR, JPY, CHF — presented the way lenders accept, not the way they flinch at.
P.03
Timezone-native
Calls land in your evening, not ours. Settlement timelines engineered around your working week abroad.
P.04
Lender-matched
Of 38 lenders on our panel, 6 will actually approve you. We know which 6 before the first document moves.
The friction
What an ordinary broker gets wrong about your situation.
01Common trap
Income haircut anxiety
Most lenders apply a 20–40% discount to foreign income. Brokers accept the number, clients cover the gap in cash.
Our move
We present your income under the specific lender's foreign-shade policy — often recovering 15–25% of your borrowing power.
02Common trap
Residency ambiguity
The wrong lender sees an expat and quietly routes the file into the "non-resident" queue where rates and LVRs collapse.
Our move
We pre-qualify your residency profile with the desk directly before a single document is uploaded.
03Common trap
Timezone attrition
Three weeks of 11pm phone calls, missing voicemails, and "we'll circle back Monday, Sydney time." Deals expire on jet lag.
Our move
Your advisor works a schedule that matches yours. Every lender touch-point is routed through us — you sleep.
02 · The playbook
Five moves between "I'm interested" and keys in your hand.
Median timeline from first call to unconditional: 9 business days for salaried expats, 14 for self-employed.
- 01
Discovery
Day 0 — 45 min
We learn the life, not just the loan.
A private call with one senior advisor. Your country, your currency, your family structure, your ambition. We build a lender-ready narrative before you upload a single file.
- Residency profile
- Borrowing range
- Suitable lender shortlist
- 02
Document choreography
Day 1 — 3
We translate your paperwork into the lender's native dialect.
Payslips, tax returns, bank statements, visa status — re-framed and presented in the exact format the chosen desk accepts. We handle the awkward ones (foreign credit bureau gaps, bonus normalisation) with proven templates.
- Income reconstruction
- Visa & tax overlay
- Lender application pack
- 03
Lender strategy
Day 4 — 6
We approach the two or three desks that will say yes.
Not a scattergun. Not a comparison table. A warm, pre-qualified conversation with a BDM who has already seen profiles like yours — priced, policy-cleared, and ready to move.
- Pre-qualification
- Rate negotiation
- Policy waivers sought
- 04
Formal approval
Day 7 — 12
We shepherd the file end-to-end.
Valuation, credit sign-off, conditions, contract exchange. One thread, one advisor. You get a daily status pulse — nothing more, nothing less.
- Valuation liaison
- Condition clearing
- Unconditional issuance
- 05
Settlement & beyond
Post-settlement
We stay on the case for the next purchase, refinance, or rate review.
Most of our clients return. Portfolio expansion, refinancing when currency moves favour it, equity release for the second property. A standing advisor, not a one-off transaction.
- Annual rate review
- Portfolio strategy
- Cross-border refinance
03 · The ledger
Not case studies. Receipts.
DXB·11.2025
"Four weeks from discovery call to keys. In a market where most brokers took a month to return an email."
TYO·09.2025
"They built the income story for a lender I didn't know existed. We stopped living in spreadsheets."
$482M
Funded since 2019
1,240
Expat settlements
96%
Approval after pre-qual
42
Countries served
04 · Questions
The answers we actually give first-time callers.
Asked something not covered here? Your discovery call is the right place to get it answered in context.
No. We regularly place loans for Australian citizens living abroad, permanent residents, spouses on visas, and in some structures for non-residents entirely. The right lender depends on your residency profile, which we assess in the first 45-minute call.
Most commonly: GBP, USD, EUR, SGD, HKD, AED, CHF, JPY, CAD, NZD. Each lender shades income differently — anywhere from 0% to 40%. We know the policy ladder and pick the lender whose shading is gentlest for your specific currency and industry.
Not necessarily. For high-quality expat profiles, we routinely secure rates within 10–25 basis points of the best onshore rate, and sometimes match them exactly. The difference is usually negotiated, not published.
Most residential loans are commission-paid by the lender on settlement — there is no upfront fee to you. Complex structures (commercial, SMSF, trust) may attract a fixed engagement fee, disclosed in writing before any work begins.
Yes. The call is diagnostic — we'll tell you honestly whether the timing and structure make sense, including when it doesn't. A surprising number of clients leave the first call having decided to wait six months, and return when the picture is cleaner.
It's a meaningful share of our book. We normalise bonus, distribution, and salary-sacrificed income into the lender's preferred shape, and we know which lenders will accept two years of foreign tax returns, one year, or accountant-certified alternatives.
Begin
Have a quiet conversation about what's possible.
45 minutes. One senior advisor. No obligation, no hard sell — just a clear read on your borrowing power, the right lender, and the honest timeline.
Response
Replies inside 4 working hours
Discretion
Confidential by default
Fit
Honest if we can't help you
Timezone
Calls in your evening, not ours