Finance Solutions for
Non-Residents & Ex-Patriates

Based on Australia

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Access Property Australia Group

About Access Finance & Investment

Capital That Fuels Your Next Property Success

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Access Finance & Investment is the dedicated funding arm of Access Property, specialising in connecting developers and investors with strategic, fit-for-purpose finance solutions.
We work closely with a trusted network of mortgage brokers, banks, private lenders, and capital partners to structure funding pathways that unlock the full potential of residential and commercial property projects across Australia.

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Resident Loans
Commercial Loans

Development & Construction Finance
Business Loans

Personal Loans
Asset Finance

Non-Resident Finance

If you are not a permanent resident of Australia or reside outside Australia, we can assist you in securing finance.

• New purchases up to 85% LVR.

• Equity Release (Cash-Out) up to 85% LVR.

• Refinancing existing loans up to 85%.

• Vacant Land & Construction up to 75% LVR.

• Full Doc & Alt Doc available for self-employed foreign residents.

• Family Support Guarantees (Income Guarantees)

• Multiple Countries acceptable – including Vietnam, Singapore, South Korea, Thailand, Taiwan, China, India, Hong Kong, Japan, Malaysia, Macau, Philippines, Indonesia, Brunei, USA.

Ex-Patriat Finance

If you reside outside Australia and earn non-AUD curreny income, we can assist you, whether you’re PAYG or Self-Employed.

We can assist ex-pats with:

• New purchases

• Refinancing existing loans

• Equity Release (Cash-Out)

• Vacant Land & Construction loans

• Personal or Company/Trust borrowings

Multiple currencies are acceptable including VND, HKD, SGD, JPY, IDR & INR.

Up to 90% lending on property value (LVR) is acceptable.

Real estate agents shake hands after the signing of the contract agreement is complete.

Pathway to Residency

If you are on a temporary visa, or on a bridging visa, or a formal application for Permanent Residency has been lodged and approval imminent at the time of application, we can potentially assist with finance for a home up to 95%. Given Austalian legislation, it must be a brand new property or vacant land that is being purchase.

Multiple VISA types accepted: 160-165, 173, 188, 300, 309, 310, 401, 403, 405, 407, 410, 415, 416, 420, 422, 423, 428, 444, 457, 461, 475, 476, TSS 482 Medium Term, 482 (Medium Term & Labour Agreement Stream Only), 485, 487, 489, 491, 494. 500, 590, 790, 820, 870, 884, Bridging A & B.

How it works?

What is our main process of works?

Submit Your Project or Lending Need

Tell us about your finance requirement — whether it’s for a residential or commercial property, development site, refinancing, or a cash-out. We work with both developers and individual investors, in Australia and overseas.

Assess and Strategise

Our team reviews your project’s scope, financial structure, visa status (if applicable), and funding timeline. We then design a tailored strategy, matching you with the right lender type — bank, non-bank, private capital or finance broker.

Connect & Coordinate

Once we align on the structure, we introduce you to our trusted lending partners. We guide you through the application process, help gather documents, liaise with relevant brokers and lenders, and keep everything on track.

Funding Secured

Upon approval, funds are released as per the agreement. Whether it’s a staged construction loan or lump-sum settlement, we stay connected to ensure smooth disbursement and ongoing project support if needed.

Why Choose Us

01.
Full-Spectrum Support

From your first consultation to settlement, we guide you through every step — including lender matching, application preparation, and loan finalisation.

02.
Specialists in Non-Resident & Ex-Pat Lending

We work closely with experienced partners like Verity Law or Mortgage Choice to support clients with complex visa or offshore income structures, ensuring compliance and confidence.

03.
Property-Savvy Finance Solutions

Whether you’re acquiring, building, or refinancing, we structure finance with your project’s timeline, stage, and exit strategy in mind — not just numbers on paper.

04.
Added Legal & Language Support

Need help reviewing your contract of sale or navigating conveyancing? Require translation or cross-border advice? We’ve got you covered through our trusted legal and migration partners.

Be a part of our journey. Get In Touch

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property

Jun 30, 2025

Finance Solutions for
Non-Residents & Ex-Patriates