Lending for Australians, wherever home is now.
For Australians living abroad or coming home, with lending aligned to international income and assets and run entirely at a distance.
Where retail lending stops.
Most lenders shade foreign income hard, and some decline non-residents before reading the file. Strong overseas earnings arrive at the assessment already discounted.
Currency, tax residency, FIRB and foreign-citizen stamp duty each add friction, and they compound when you are managing them from another time zone.
The practical result is fewer lenders, sharper rates, and an application run around your working day on the other side of the world.
A different
starting point.
Income read on its merits.
We work with lenders who assess your actual overseas earnings, on the tax you pay, with far less shading.
A balance sheet without borders.
Applications structured to reflect international income and assets, and your plans to return.
Run from where you are.
The whole process works remotely, across time zones. No flight home to sign a form.
The work, in
specifics.
- Multi-currency income recognised
- Lenders with lighter foreign-income shading
- Non-resident and returning-resident strategies
- Equity release on Australian property from abroad
- FIRB and residency coordination
- A fully remote application
How it works
in practice.
An illustrative example of how a Lydian engagement with this client typically unfolds. It shows the shape of the work, not a client testimonial.
- Situation
- An Australian working in Singapore wants to buy in Sydney. Their bank discounts the foreign salary heavily and hesitates on non-resident status.
- Approach
- We place the application with a lender that assesses the income in full, coordinate FIRB and currency, and run the signing remotely.
- Outcome
- The purchase completes without a trip home. The salary that was discounted elsewhere is read for what it is.
Plan your next move in Australian property from wherever you are sitting.
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