Trusted Partnerships And Tailored Mortgage Solutions.

Mortgage brokers Carolyn Xaftellis, Helen Avis and Charlotte Greer

#1 for Expat and Non Resident Home Loans.

Specialist Mortgage recognise that the home buying journey should be exciting and stress free. But, let’s face it, unless you are an experienced mortgage broker, securing a tailored mortgage for your individual circumstances can be complicated and frightening. 

Specialist Mortgage can secure the most suitable home loans for all types of situations including buying a home, building or renovating a home, expanding your property portfolio, refinancing or negotiating better rates with your current lender.

Whether you are seeking the lowest mortgage rate, the highest borrowing capacity, or the most competitive structured home loan for your individual circumstances, we’ve got tailored mortgage solutions for every scenario.

Our team are focused on helping you achieve your financial goals and property dreams. 

How Can Specialist Mortgage Help You Today?

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All types of home loans.

Buying your first home? Buying land and building a home? Upsizing to your dream home? Downsizing the family home? Growing your property portfolio? Renovating? Accessing equity in your home? Sub-dividing or developing property? We’ve got personalised mortgage solutions for every scenario.

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Refinance your mortgage.

Is rising interest rates and cost of living starting to impact you? It’s probably time to shop about for a better rate home loan. We can quickly compare hundreds of mortgage packages that match your personal situation and help you put money back into your pocket rather than the banks.

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Expat and non resident loans.

We are the first and remain the largest expat mortgage originator. No other company has the same level of experience or expertise to secure the highest borrowing capacity and the most competitive mortgage packages for Australian expats and foreign investors buying Australian property.

Perth CBD and Elizabeth Quay

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 latest 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 well 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.

Perth CBD and Elizabeth Quay

Book a Complimentary Mortgage Assessment.

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

Meet The Team.

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

Helen Avis

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


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


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


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


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


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


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


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


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


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


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


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


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


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


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

P. 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
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.