Strategic Growth Capital structures property finance for international investors, overseas income earners, and expat Australians acquiring residential, investment, and commercial property across Australia. We navigate visa requirements, FIRB compliance, and cross-border documentation with lenders who understand global client needs.
Finance residential and investment property as a non-resident or temporary visa holder through FIRB-approved lenders. We manage application requirements, understand new build restrictions for foreign buyers, and coordinate approvals aligned with FIRB timing.
Secure finance as an Australian expat returning home or maintaining overseas employment. We assess foreign income in AUD equivalent, navigate residency status considerations, and access lenders who support returning Australians with competitive terms.
Present foreign employment income, business earnings, or investment returns for Australian property finance. We coordinate currency conversion, income verification across jurisdictions, and lender assessment of overseas earnings for serviceability purposes.
FIRB regulations permit foreign investors to purchase new or off-the-plan property without restrictions. We structure finance for new apartments, house and land packages, and development property meeting FIRB eligibility requirements.
Finance property on skilled migration visas, temporary work visas, or student visas through lenders with favorable visa policy. We assess visa duration, pathway to permanency, and lender appetite for temporary resident applicants.
Coordinate applications for clients with income across multiple countries, currencies, and employment structures. We present complex international income scenarios strategically, maximizing recognition for serviceability assessment.
Structure lending for business owners with overseas companies, international operations, or cross-border income streams. We understand foreign business structures and present applications that demonstrate sustainable income and repayment capacity.
Build Australian property portfolios from overseas through strategic acquisition and lending structures. We coordinate multiple purchases, manage FIRB requirements per transaction, and optimize borrowing capacity across international income assessment.
The Australian Government has introduced a two-year ban, effective from 1 April 2025 to 31 March 2027, prohibiting foreign persons, including non-residents, temporary visa holders, and foreign-owned companies, from purchasing established (previously owned) residential properties. This measure aims to improve housing affordability and increase property availability for local buyers.
What you can still buy:
The policy is scheduled for review in 2027.
The following groups are exempt:
Temporary residents must still apply for FIRB approval before purchasing vacant land or new dwellings.
Limited exceptions apply. If you’re unsure whether this ban affects your plans, speak to us for guidance.
