Helping Expats in Dubai, Abu Dhabi & Across the UAE .
If you’re an Australian citizen living and working in the UAE, you can still buy property in Australia with the right mortgage structure and lender selection.
At Specialist Mortgage, we specialise in helping Australian expats in Dubai, Abu Dhabi, and across the UAE secure Australian home loans. With decades of experience arranging Australian expat home loans, we understand how Australian lenders assess UAE income, employment contracts, and tax conditions.
Whether you’re purchasing an investment property, buying a future family home, or refinancing an existing Australian loan, we provide clear advice and tailored mortgage solutions designed specifically for Australians living in the UAE.
Australian lenders can consider income earned in the UAE, but it is assessed differently from Australian based income due to currency, employment structure, and residency factors.
Lenders typically assess UAE income by:
Although UAE income is tax-free, Australian lenders still assess it conservatively. When structured correctly, however, tax-free income can support strong borrowing capacity.
Australian expats living in the UAE can access a range of Australian home loan options depending on their financial goals and circumstances. These may include:
Each loan is assessed individually and structured based on your income, deposit size, existing liabilities, and long-term plans, ensuring the loan solution aligns with your objectives and lender requirements.
To apply for an Australian expat home loan from the UAE, lenders generally require applicants to be Australian citizens or permanent residents with a valid UAE residency visa linked to their employment.
You will need to provide recent payslips, bank statements, and a current employment contract, along with evidence of savings or deposit funds. Details of any existing Australian debts are also assessed.
Specialist Mortgage guides you through each requirement and ensures all documentation is prepared correctly before submission.
We review your UAE income, savings, liabilities, and property goals to determine borrowing capacity and suitable loan options.
We help you gather and review all required documents, ensuring they meet lender requirements.
We select the most suitable Australian lender and submit your application, managing all lender communication on your behalf.
Once pre-approved, we explain any conditions required, such as valuations or additional documentation.
When you find a property, we coordinate valuation and final approval, keeping you updated throughout.
We support you through settlement and remain available after approval to assist with loan management and future reviews.