Citylife Buyers Service and Advisory


Michael Bentley, Citylife International Realty

Michael Bentley, Citylife International Realty

As a foreigner can I obtain a mortgage to buy an Australian property?

Yes. Finance is available for foreign investors.

Like many countries, Australia has tightened up on the amount of the loan to the purchase price available. However, 60% of the valuation and up to 70% is available to non-residents for Australian dollar loans. For off-plan apartments, you only start repaying the loan after you take completion.

No loan payments are necessary before then. (For House and Land, progress payments are made to the builder during the construction, so you need to get a "construction loan".)

Foreign currency loans are also available for residents of certain countries such as Hong Kong, Singapore, the USA and Malaysia. Lower interest rates are available, but buyers should be aware of currency risk if borrowing in a different currency to the asset and there often minimum amounts of loan that must be taken.

For Australian citizens living overseas, 70% loans and up to 80% are usually available.

For more answers to commonly asked questions, please return to the FAQ page using the link below.

"Michael Bentley has such a wealth of knowledge and wisdom concerning Australian property investment that one can never learn enough from him"

Alan T.

Michael Bentley is probably the most experienced expert on Australian Real Estate as it relates to overseas buyers.

He brings decades of high level knowledge to the table, and with billions of dollars of real estate deals behind him.

To help you navigate through whatever Australian real estate situation you face, you need to be confident that you can get the research, help, information and advice you NEED to be able to make informed decisions going forward. 

Citylife's exclusive Australian property buying service helps Hong Kong investors buy their dream Aussie property.

"Mike provided boundless energy towards our purchase, took care of the finance, arranged lawyers, a building inspection, helped us structure it correctly for tax, and  when a last minute hitch occurred with the seller deciding NOT to sell, kept calm, and more importantly kept US calm, and used his experience and knowledge to get the deal back for us"

Colin and Elaine, Hong Kong, 2020


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