Triple O Finance

Non-Resident Loans & Overseas Investors for Australian Expats

Competitive Rates | Fast Approval | No Hidden Fees

Investing in Australian Property from Abroad? We Make It Simple.

Whether you’re an overseas investor or a non-resident looking to tap into Australia’s thriving property market, Triple O Finance is here to guide you through every step. With access to over 35 lenders and a deep understanding of non-resident lending policies, we help you secure competitive finance options—without the stress.

Why Choose Triple O Finance?

Specialised in Non-Resident & Expat Lending

Access to Lenders That Accept Foreign Income

Multi-currency lending options available

Fast turnaround & expert guidance across time zones

Who Can Apply?

You may be eligible if you’re:

  • An Australian citizen living overseas
  • A permanent resident abroad
  • A foreign national with investment intentions
  • A temporary visa holder (e.g. 482, 491, 188)
  • A non-resident with a local or foreign income source

What Types of Loans Are Available?

We help with:

  • Residential investment loans
  • Off-the-plan purchases
  • Land and construction loans
  • Refinance of existing properties in Australia

What Documentation Is Typically Required?

  • Passport & visa copies (if applicable)
  • Foreign or Australian income evidence (payslips, tax returns, bank statements)
  • Letter from employer (overseas or local)
  • Existing property portfolio (if any)
  • FIRB approval (for foreign nationals where required)

Common Challenges We Help Solve

  • Currency conversion and income shading rulea
  • Tax implications and FIRB requirements
  • Difficulty proving overseas income
  • Delays with banks unfamiliar with foreign structures

At Triple O Finance, we’re experienced in navigating these complexities and presenting your case effectively to the right lenders.

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Invest with Confidence, From Anywhere in the World

With Australian property continuing to attract global attention, now is the time to act. Whether you’re planning your first property purchase or expanding your portfolio, we’re your trusted partner in turning opportunities into results.

Helpful Insights for Overseas Buyers and Investors

Ready to Begin?

Book a Free Strategy Call with our expert mortgage advisers and explore your investment options in Australia—no matter where you're based.

What our customer have to say

Andrew B

We can not thank the Triple 0 finance team enough for their help in securing our dream home. Special shout out to Nish and Ash for their dedication, open communication and support throughout the loan application process. From day one, we knew we were in safe hands. Every time we raised a concern, they had a solution. Nish and Ash made the whole process run smoothly and secured us a fantastic rate considering the current climate. Thanks guys!

Sammy Crypto

We found Ash and Triple O Finance Team through an online platform.
Ash set up an interview with me and obtained all our financial requirements and objectives.
The Initial application was for refinance of our family home for a better interest rate and some debt consolidation. Ash and his Team reviewed our application and provided us with a very competitive interest rate along with the cash back offer.

Anup Das

We recently worked with Triple O Finance for our mortgage needs and what a pleasure it was. Nishant is highly knowledgeable and guided us flawlessly throughout the process. During our initial call he was meticulously prepared and clearly understood our requirements. He walked us through all the options with a clear thought process and helped us choose the best option for our needs.

Mustafa AMIRI

I recently had the pleasure of working with Nishant and Jill from Triple O Finance to purchase my house, and I couldn’t be happier with the experience. Nishant went above and beyond to ensure a smooth and successful transaction.

Tejaswini teju

By our personal experience, we highly recommend Triple 0 Finance for all your loan and financial needs. Nishant and their team are exceptionally knowledgeable and adept in their fields, offering a wide range of the latest financial products. From the moment we reached out to Nishant Ramavat at Triple O Finance, his proactive and genuine guidance has continuously impressed me. Without Nishant’s assistance, obtaining a home loan and taking a step closer to realizing our dreams would have been much more challenging. Thank you so much Nishant – Manoj & Tejaswini from N.T

Prasvin Pandey

I have had the pleasure of working with Triple O finance since a few years. Ash and Jill have always provided a top-notch service. I have recommended them to a few of my family and friends, and they have been very happy with the service as well.

Phillip Hausfeld

Happy with the service although settlement short falls need to be better anticipated/managed and better awareness of Bank Holidays when requesting attendance to bank branches to make payments. This unplanned activity was quite disruptive to my day as I was with clients, fortunately my manager was able to cover for me to some extent.

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