Cross border home loans
A comprehensive product suite for non-residents, new residents and expatriates of Australia. Find out more.
Non Residents of Australia
Expatriates1
BC Builder
From 4.88%p.a.
Comparison rate 5.63%p.a.2
Flat variable rate of 4.88% for all loan stages - vacant land, construction and completion.
BC Signature
From 4.48%p.a.
Comparison rate 5.77%p.a.2
Low fixed rate for the first 5 years.
BC Ultimate
From 5.38%p.a.
Comparison rate 5.88%p.a.2
No large loan or LVR loadings.
BC Freedom
From 4.48%p.a.
Comparison rate 4.99%p.a.2
Low variable rate.
BC Expat Super Saver
From 3.53%p.a.
Comparison rate 4.08%p.a.2
Low variable rate with wide range of acceptable visa classes
Attractive fees
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No risk fee
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No Establishment Fee
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No Self-Employed Premium
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No Settlement Fee
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Application Fee of $990 refunded at settlement
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Reduced Legal Fee from $550 to $400 Only fee payable is the BC Builder Progress Payment Drawdown fee of $600 per claim.
Simplified document requirements
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3 months bank statements for PAYG customers instead of 6 months
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6 months loan statements for customers refinancing instead of 12 months
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Online Credit Reports are now accepted for clients from China instead of comprehensive PBOC report
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No translation required for documents in Chinese, Vietnamese, Bahasa Indonesia & Bahasa Malaysia
Reduced interest rates
Interest only for up to 5 years
An Alt Doc option available for self employed
30 years maximum loan term
Find out more
If you're looking to buy across borders and would like assistance with a loan, please complete the form below and a representative will be in contact with you shortly.
1 Expatriate borrowers are defined as one of the following: An Australian Citizen that does not reside in Australia, a Permanent or Temporary Resident of Australia with an Acceptable Visa or a New Zealand Citizen that does not reside in Australia or New Zealand. 2 The Comparison Rate is based on a secured loan amount of AUD $150,000 at 60% LVR, based on a PAYG applicant purchasing a property larger than 50sqm, over a term of 25 years. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. This advertisement does not take into account your personal, financial situation. Terms, conditions, fees, charges and lending criteria apply and are available on application. This is not an offer of finance to any person and the delivery of this document to any person does not constitute an offer of finance that can be relied on. Any finance that may be provided by us to you will only be considered after we have received the required information from you and have conducted our own checks and assessments. We reserve the right to refuse finance to any person for whatever reason in our absolute discretion. 3 BC Signature Introductory Rate (1st year) 4.48% p.a. for clients with LVR ≤65% and loan amount ≤AUD $750,000 following which the loan reverts to a fixed rate at 5.28% for 2nd to 5th year.
