Australian residents with oversea income, Loan with Australian Local Bank or Fund lender

 

A. Australian citizens, permanent residents and TRs with oversea income, Home loans from Australian local bank

 

Loan size up to 80%, low interest, no miscellaneous fees

Self-occupied property, annual interest rate: 5.34%,

Investment property, annual interest rate: 5.59%,

Interest only, annual interest rate: 5.94%;

 

 

B. Australian citizens, permanent residents and TR, applying with oversea income, loan size up to $2.5 million, Home loan from FUND lender

 

1. Australian citizenship, applying for home loan with overseas income

 

Loan Amount, Loan Ratio and Interest Rate:

Loan size $1 million or less,

loan ratio 70.01%-80%: interest rate 5.83%;

loan ratio 80.01%-85%:  interest rate 6.43%;

Loan size $1-$1.5 million;

loan ratio 70.01%-80%: interest rate 6.13%; 

loan ratio 80.01%-85%: interest rate 6.73%;

Loan size $1.5 million-$2 million;

loan ratio up to 70%: interest rate 6.33%;

Loan sizer $2 million -$2.5 million;

loan ratio up to 70%: interest rate 6.63%

 

The highest on-lending cash rate is 65%

 

2. Australian permanent resident or temporary resident, applying for home loan with overseas income:

 

Loan Amount, Loan Ratio and Interest Rate:

Loan size $1 million or less,

loan ratio 70.01%-80%: interest rate 6.38 %;

 

Loan sizer $1 million-$1.5 million;

loan ratio 70.01%-80%: interest rate 6.68%; 

Loan size $1.5 million-$2 million;

loan ratio up to 70%: interest rate 6.98%;

Loan size $2 million-$2.5 million;

loan ratio 70%: interest rate 6.88%

 

The loan ratio less or equal to 70%, no risk fee;

The loan ratio 70.01%-75%, risk fee 0.5% of the loan amount;

The loan ratio 75.01%-80%, risk fee 1.5% of the loan amount;

 

Terms and Conditions apply and loans are subject to banks' and funds' criteria