#1 for Expat Home Loans & Non Resident Mortgages.

Securing the best Australian home loans for over 30 years.

Broker with clients

A Personalised Approach To Finance.

Specialist Mortgage are recognised as Australia’s number one mortgage broker to Australian expats and non residents since 1991.

For more than three decades, we have honed our ability to secure the best mortgage packages for Australian expatriates and foreign buyers who typically don’t fit traditional lending models.

Aussie expats and non-residents often struggle to obtain home loans to purchase Australian property and are faced with decreased lending options and often higher interest rates.

Specialist Mortgage secure residential loans for all types of Australian real estate whether you are getting your first home loan, purchasing your dream home, building a house, or investing in property.

We can also assist with refinancing your home loan, renegotiating better rates with your current lender or accessing equity in your home to grow your property portfolio.

Hundreds Of Tailored Home loans Options.

Home Loans from over 30 Trusted Lenders.

Let us quickly perform a free mortgage assessment to ensure the best home loan package for your individual circumstances and preferences. 

Australian Military Bank
Suncorp Bank
Bank of Melbourne
Bluestone Home Loans
St. George Bank
Bluebay home loans
AAA Financial Corporation
ANZ logo
Bankwest Logo
BOQ logo
Commonwealth bank logo
HSBC logo
ING logo
Non-resident home loan application

Unrivalled knowledge of expat and non resident loans.

Securing expat and non-resident home loans doesn’t have to be complicated. There are lots of lenders that welcome Australian expat and non resident customers, that home buyers may not be aware of.

Our clients benefit from our accumulated experience of securing thousands of expats and non-resident home loans.

Our unrivalled knowledge of financial packages and policies relating to global home buyers gives us the power to negotiate directly with lender’s credit teams to deliver the best mortgage options and the lowest rates.

Our friendly team of mortgage brokers have the expertise and experience to ensure the process of securing Australian property is seamless and exciting.

Non-resident home loan application

It’s Our People That Excel.

Partner With Our Award Winning Team.
Specialist Finance Group 2016 International Broker of the Year
Specialist Finance Group 2016 International Brokerage of the Year
Specialist Finance Group 2017 International Broker of the Year
Specialist Finance Group 2017 International Brokerage of the Year
Specialist Finance Group 2018 International Broker of the Year
Specialist Finance Group 2018 International Brokerage of the Year
Specialist Finance Group 2019 International Broker of the Year
Specialist Finance Group 2019 International Brokerage of the Year
MPA 2021 Top 100 Broker
Specialist Finance Group 2021 National Residential Broker of the year Winner
Specialist Finance Group 2021 WA Broker of the year Winner
Specialist Finance Group 2021 WA Brokerage of the year Finalist
The Adviser Australian Broking Awards 2022 Finance Broker of the Year Finalist
MFAA 2022 - Finance Broker Business Award - State Finalist
MFAA 2022 - Residential Finance Broker Award - National Winner
MFAA 2022 - Residential Finance Broker Award - State Winner
Specialist Finance Group 2022 Finalist - WA Broker of the Year
Specialist Finance Group 2022 Winner - WA Broker of the Year
Specialist Finance Group 2022 Finalist - WA Brokerage of the Year
The Adviser Better Business Awards Finalist 2022 - WA Best Residential Broker
Women in Finance Awards 2022 Finalist - Mortgage Broker of the Year
The Adviser Better Business Awards Winner 2023 - WA Best Customer Service (Individual)
The Adviser Better Business Awards Finalist 2023 - WA Best Customer Service (Office)
2023 MFAA - Customer Service Individual Award - State Finalist
2023 MFAA - Finance Broker Business Award - State Winner
2023 MFAA - Finance Broker Business Award - National Finalist
2023 SFG National Residential Broker Of The Year Finalist
2023 SFG WA Brokerage Of The Year Finalist
2023 SFG WA Broker Of The Year Finalist
2023 SFG Group Excellence Award Finalist
2023-MPA-EliteWomen2023
2023_WIFA_Mortgage-Broker-of-the-Year_Finalist
2023 AMA Resimac Brokerage Of The Year (6-20 Staff)
2023 AMA Broker Of The Year Specialist Lending - Helen Avis
2023 SFG WA Broker Of The Year Winner
Sydney suburbs for expat mortgages

Why Choose Specialist Mortgage?

For Australian Home Buyers Around The Globe.

Dedication to service.

We provide a fast, friendly, seamless service. We clearly communicate everything you need to know throughout the process and will answer questions as they arise. We even help you complete all the application paperwork. We provide ongoing support even after your loan has settled and can connect you to our trusted network of professionals such as buyer’s agents, building inspectors and conveyancers.

Full lender analysis.

We use the best technologies that allow us to quickly compare hundreds of loan options from more than 30 Australian and international banks, saving you time and money. We provide the most current, accurate and complete information in our assessment of the most suitable loan for your individual circumstances.

Negotiating power.

As the largest Australian mortgage originator operating internationally, we have the power, volume, and relationships to negotiate with lenders to obtain special conditions, including lower interest rates, longer terms, increased borrowing capacity and decreased establishment costs.

Unbiased and uncompromised.

Under our ASIC Australian credit license, we are required to act independently and present unbiased advice. We only introduce you to best matched mortgage solutions for your personal situation. We will clearly explain loan features, fees, charges, as well as the positives and negatives or each loan option.

Expert advice.

Our mortgage brokers are fully licensed and accredited and members of the Mortgage & Finance Association of Australia (MFAA). We are the leaders in obtaining Australian residential mortgages for local and offshore buyers – no other firm can match our history or expertise.

Obligation and cost free.

There is no obligation or cost to discuss your financial affairs regardless of if you proceed with a loan. We offer a free review of your current or intended loans and provide fast free pre-approvals. If you decide not to commit, don’t stress it hasn’t cost you anything.

Settled over 6,000 loans

valued over $3 billion!

How can Specialist Mortgage help you?

We provide tailored mortgage solutions designed for your individual circumstances.

Expat Home Loans Icon

Home Loans.

Buying your first home? Buying your dream home? Downsizing? Property Investment? Building, renovating or developing? We’ll secure the best mortgage for every scenario.

Refinancing Your Home Loan Icon

Refinancing.

Need a lower rate? Want to consolidate your debts? Interested in a better structured loan? Or wanting to access equity? We’ll find the best customised loan options for you.

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Expat & Non Resident.

We are the first and remain the largest expat mortgage originator operating abroad. We’ll secure the most competitive loan and highest borrowing capacity to buy Australian property.

The Mortgage Process.

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Step 1: Initial consultation.

Our broker will ask you questions, explain the loan process and answer all your questions.

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Step 2: Preliminary Credit Assessment.

Our brokers conduct a review your financial situation and objectives to determine loan suitability.

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Step 3: Loan recommendations.

Our brokers present suitable loan options, explaining costs, benefits, and drawbacks.

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Step 4: Mortgage application.

You submit documents and evidence to verify your identity, income, and financial position.

Step 5: Pre-Approval (Conditional).

The lender indicates that you’re eligible to apply for a home loan up to a certain limit.

Expat Home Loans Icon

Step 6: Property selection.

You’ve entered into a contract of sale to purchase a home either by private treaty or auction.

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Step 7: Property valuation.

The lender uses a valuation to confirm the property value and determine the loan value ratio.

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Step 8: Formal Approval (unconditional).

The lender has approved your mortgage to purchase the home.

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Step 9: Settlement.

The property title is transferred into your name and your mortgage commences.

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Step 10: Congrats, you’re a homeowner!

Time to enjoy your new home or investment property!

Experts In Australian Finance, Located Worldwide.

Meeting with expat mortgage broker

Get a free mortgage assessment.

Let us know your situation and one of our brokers may be able to provide a better mortgage solution.

Couple getting a non-resident home loan

Book a free online consultation.

Book a time to chat through your options with one of our friendly mortgage brokers.

Couple with expat mortgage broker

Find Your Local Office.

Discover which one of our global offices is best to have a chat face to face about your home loan objectives.

Meet Our Team.

Specialist Mortgage staff operate under our ASIC credit license, and our mortgage brokers are members of the Mortgage & Finance Association of Australia (MFAA).

Helen Avis

Director
Helen Avis

Bridget Bowman

Senior Mortgage Broker
Bridget Bowman

Carolyn Xaftellis

Mortgage Broker
Carolyn Xaftellis

Grace Neo

Mortgage Broker
Grace Neo

Client Testimonials.

Tom L.

Helen was invaluable in enabling me to secure my first investment property from Dubai. She matched me with a lender that was suited and could accommodate my personal circumstances, guided me throughout the application process and proactively liaised with the lender to make the process as smooth as possible over the holiday period.

July 13, 2022 Dubai

Greg

Helen has helped us with multiple loans and refinancing and has made the process so simple and easy. With Helen’s advice we have always felt like we have been able to find the best product in the market for us.

July 1, 2020 Queensland

Jacqui

We have now used Helen Avis twice in procuring suitable Home Loans for our two investment properties. Helen and the team at SMATS have a deep understanding of the nuances of being an Australian Expat and we have always had great advice, high value offers and top notch service from her and the team.

November 13, 2019 UAE

James

Helen is completely client focused, she was able to take our exact requirements and circumstances into account when searching for and procuring a lender to suit us.

November 19, 2021 Singapore

Elisabeth

Thank you to Bridget, Fanny and the SMATS team for helping us secure the loan for our dream home They clearly know what they are doing and are well versed in every stage of the process. We just provided information, they took care of the rest. I definitely recommend SMATS for expats wanting a mortgage in Australia.

December 19, 2019 UAE

Naden

I have now gone through the arduous process of purchasing an Australian property four times. On the last three occasions, Helen Avis has been my first and most important point of contact in the process.

April 9, 2021 Taiwan

Shiree M.

Specialist Mortgage/SMATS was recommended to us by other expats and we are very glad we took the advice. Highly recommend to all.

October 20, 2021 Saudi Arabia

Dorothy N.

Carolyn went above and beyond to assist me in finding the perfect mortgage for my needs. Carolyn had extensive knowledge and understanding of the mortgage industry, and she took the time to comprehend my financial goals and personal circumstances.

June 23, 2023 Sydney

Tom L.

Even after the loan was approved, Helen worked with my conveyancer to ensure that final settlement was achieved without delay. I recommend Helen without hesitation and look forward to working with her again in the future. Thank you again for all your help!

July 13, 2022 Dubai

I. Bayeh

Bridget made it easy for me to choose a bank and she arranged special finance packages, pre-approval and final loan approval.

February 12, 2021 Bahrain

Mark

Everyone I worked with on this purchase was fantastic. Helen helped me to find a mortgage when my existing bank said no.

May 14, 2020 Perth

Naden

Helen and her team absorb so much of the difficulty and tediousness of organizing a home loan, thanks to her meticulous nature and her prompt and effective communication.

April 9, 2021 Taiwan

C. Tuimaka

We used Specialist Mortgage for several investment house loans as expats. They were easy to work with, responded promptly and made it a stress-free process.

March 18, 2021 Victoria

Johanna D.

Bridget Bowman recently helped me lower the interest rate on my variable rate mortgage in Australia. The result was an over $100 reduction per month! As an existing customer with an ongoing relationship with SMATS, all it took was one email to Bridget and she was on the case, about 7 days later she sends me an email with the good news.

July 9, 2021 Dubai

James

During the Covid-19 pandemic our purchase and settlement process was handled remotely via phone and emails, Helen and Fanny were very responsive to our questions, the process and acquisition of all the paperwork was very clear.

November 19, 2021 Singapore

Greg

Helen’s intimate knowledge of the market and pricing of various loans (investment, owner occupier, interest only etc) has made loan selection a breeze and enabled us to have confidence in our decision making.

July 1, 2020 Queensland

Tarek

Bridget made sure that I had the best rate and promptly provided me with clear answers for all my questions. She supported me through every single step in a professional and efficient manner.

January 17, 2019 UAE

T. Nick

Bridget has been an amazing mortgage broker, she is always very accessible, follows through and thinks outside the box!

July 18, 2019 Dubai & AU

Angela R.

Helen delivers. She is practical, responsive, efficient and caring.
Helen has helped us many times with our finance over the years. If something can’t be done, Helen will tell you straight – but she will always offer alternatives and solutions.
We trust her completely.

October 30, 2022 Dubai

Shiree M.

Bridget and Norliana were instrumental in securing us our forever home as Expats. Communication was excellent, answers prompt, feedback was incredible.

October 20, 2021 Saudi Arabia

Dom & Yvette

Helen Avis did a really outstanding job pushing our formal approval through in 4 days. She was also very helpful in advising me of the risks around unconditional vs conditional exchange which was much appreciated.

October 20, 2023 Singapore

Naden

I would have long been deterred from property investment in Australia had it not been for the hard work and high standard of service Helen offers.

April 9, 2021 Taiwan

Alex

Bridget’s tireless work to finally find a lender for me with competitive terms was exceptional.

May 14, 2020 Doha, Qatar

David & Rhian

Through Bridget Bowman we were able to structure our home loan in order to secure a second property. Bridget was excellent in her service and advice rapidly securing loan approvals.

March 12, 2020 UK

James

We required quite a complicated loan including land and a new build which was handled so smoothly that we then decided to go with Helen for our next purchase and the refinancing of an existing loan away from a bank I had been unhappy with for years.

November 19, 2021 Singapore

Johanna D.

There was no gain for SMATS in doing this, Bridget just wanted to do what is best for their customer, and we are so grateful for their help and support over the years. I would 100% recommend SMATS for their excellent service offering and customer service, always putting their customers first.

July 9, 2021 Dubai

Dorothy N.

I had the pleasure of working with Carolyn. She explained all the intricate mortgage details in a manner that was easy for me to grasp. Carolyn conducted herself in a professional manner and was always available to address any questions or concerns I had. Thanks to her, the entire process was effortless and free of stress!

June 23, 2023 Sydney

Dom

We’ve been using Specialist Mortgage for mortgage approvals and renewals for the past 2.5 years and they have dealt with my endless questions very quickly, professionally and tirelessly which is super impressive.

September 17, 2019 Singapore

Matt H.

I used the Specialist Mortgage broking team to secure lending in Australia at a time when Australian banks were imposing tight controls on expat lending.
The team were impressively responsive and helpful throughout the whole process and able to secure me a great outcome. I would highly recommend using their services.

August 18, 2022 Brisbane

Mic S.W.

Debbie provided continual professional care and attention as we worked through some of the challenges faced when remotely purchasing and financing property investments in Australia.

December 4, 2019 USA

Zac G.

Helen and John made buying our first property a dream, so seamless and professional. Will definitely be taking up their services again.

September 18, 2023 South Australia

Camilo P.

It has been an absolute pleasure to work with Grace over the last 2 years. Grace has the ability to build strong customer relationships as she genuinely cares for her customers, she is a very experienced, who is selfless with her time and is always willing to assist her peers.

July 22, 2023 Melbourne

Dean Lane

It’s been such a relief and pleasure having Grace as our personal banker for the past few years. She’s helped us to navigate a number of complex lending related issues, always providing professional, timely and friendly service.

July 13, 2023 Melbourne

Professor Aaron Russell

Grace is authentic, honest, and responsive. Grace makes it a priority to understand her client’s needs and her friendly and relaxed nature makes it a pleasure to liaise with her. She continually maintains communication, ensuring her clients have the latest financial information and that they are receiving the best possible service.

Grace has played a major role in supporting my financial investments over the past 16 years. She is a true professional and a wonderful person to work with. I will continue to work with Grace and cannot recommend her highly enough.

July 6, 2023 Melbourne

Mark Delaney

Grace took the time to understand our needs and our capabilities and tailored a loan that suited us and our requirements. The loan Grace provided was a unique package that I have never seen before but was perfect in challenging times. This would not have been possible if Grace had not understood us and pushed, challenged and changed internal process’, standards and procedures.

I thank you Grace for your commitment to client satisfaction over a long period.

July 27, 2023 Melbourne

Rob G.

Helen and Katherine were awesome, assisting with a new property purchase and re-finance of existing loans in record time, all with improved overall pricing. Very professional and highly recommended.

January 4, 2024 Queensland

J. Pou

It’s a pleasure to work with Helen and John from SMATS. They are extremely efficient and helpful. I strongly recommend them.

December 14, 2023 Singapore

W. Beattie

Highly recommended! As returning expats with self-employed income traditional lenders aren’t interested so the options are limited. After a failed attempt with another broker we had pretty much given up all hope. Carolyn and her team’s tenacity got us across the line and we ended up borrowing more than we expected at a better interest rate.

January 17, 2024 Queensland

W. Beattie

I would highly recommend this service to any expats thinking of returning. My advice would be to start the process as early as possible.

January 17, 2024 Queensland

S. Callow

The help that we received from Specialist Mortgage services was superb. Their guidance and support was spot on through the entire process. I have no hesitation in recommending them very highly.

January 19, 2024 Dubai

Home Loan Calculators.

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Borrowing Power Calculator.

Start your buying journey and find out how much you may be able to borrow today.

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Mortgage Repayment Calculator.

Calculate your estimated home loan repayments or see how refinancing could save you money.

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Buying & Selling Costs.

Take into account additional fees like stamp duty, building inspections and more.

Book a Complimentary Mortgage Assessment.

A better structured home loan, on a lower rate could save you thousands.

Couple refinancing home loan

A SMATS Group Company.

SMATS Group are dedicated to supporting our global clients in their property journeys.

Specialist Mortgage is part of the SMATS Group of companies who are international leaders in providing taxation, finance and property services to Australian expatriates, non-residents, and intended migrants to Australia since 1995.

Our team can assist you with:

  • Property tax planning
  • Retirement tax planning
  • Property ownerships structures
  • Capital gains tax and land tax calculations
  • Downsizing contributions to superannuation
  • Life insurance and income protection strategies

We will assist you every step of the way to increase your knowledge through education and maximise your opportunities through tailored strategies and continuous support, so that you can achieve your financial goals.