Flexible property mortgages for overseas buyers and Australian residents
For non-residents, expats, local residents, companies and SMSF borrowers. We finance residential and commercial property purchases, refinances of existing loans, equity release and bridging loans.
✓ Self-employed borrower friendly
✓ Streamlined documentation
✓ Remote application
✓ Loan acceptance confirmed within 48 hours
— Our mortgage solutions —
Our Australian loan products
BC Freedom
Property finance designed for non-residents of Australia.
- Salaried and self-employed applicants accepted
- Purchase, refinance or equity release
- Variable and fixed rate options
- Principal and interest, or interest-only for up to 5 years
- Loans up to A$2.5 million
- Up to 80% LVR; terms up to 28 years
BC Expat Super Saver
Property finance designed for Australian expats#, accepting a wide range of visa types.
- Salaried and self-employed applicants accepted
- Purchase, refinance or equity release
- Variable and fixed rate options
- Principal and interest, or interest-only for up to 5 years
- Loans up to A$2.5 million
- Up to 80% LVR; terms up to 28 years
Selected loadings waived · Lower upfront costs
Lower your overall borrowing cost if you are eligible
Loadings waived
- Self-employed loading waived
- Interest-only loading waived
- Investor loading waived (BC Expat Super Saver)
Lower upfront costs
- Establishment fee waived
- Reduced legal fees
Note: other loadings and upfront costs may apply
#Australian expat means any of the following: an Australian citizen currently living overseas; an Australian permanent or temporary resident with an eligible visa living overseas; or a New Zealand citizen not currently living in Australia or New Zealand.
*The comparison rate is calculated on a A$150,000 loan over 25 years. Fees and charges may apply. WARNING: this comparison rate applies only to the example given. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may affect the cost of the loan.
Residential Property Loan (Prime Full Doc)
For salaried and self-employed borrowers, for owner-occupied or investment property.
- Up to 95% LVR
- Loans up to A$3 million
- Purchase, refinance or equity release
- Principal and interest, or interest-only for up to 5 years
- Income verification: full income documentation
Suitable for: salaried and self-employed borrowers
Residential Property Loan (Prime Alt Doc)
For self-employed borrowers, with simpler documents, for owner-occupied or investment property.
- Up to 80% LVR
- Loans up to A$3 million
- Purchase, refinance or equity release
- Principal and interest, or interest-only for up to 5 years
- Income verification: accountant's letter or other flexible alternative documents
Suitable for: self-employed borrowers
Commercial Loan
Commercial property finance for self-employed borrowers, companies and trust investors.
- Accepted security: residential property, offices, retail, industrial property and vacant land
- Maximum LVR: 80% (residential security) / 75% (commercial security)
- Purchase, refinance or equity release
- Principal and interest, or interest-only for up to 5 years
- Flexible ways to evidence income, with multiple forms accepted
Suitable for: self-employed borrowers, companies and trusts
SMSF Loan
Property investment finance designed for self-managed super funds (SMSFs).
- Maximum LVR: 90% (residential security) / 80% (commercial security)
- No personal income verification required
- Quick, simple refinance process
- Principal and interest, or interest-only
Suitable for: corporate trustees only
Bridging Loan
Short-term finance for clients changing properties.
- Up to 75% LVR
- Loans up to A$5 million
- Terms up to 18 months
- Repayment: interest-only or capitalised interest
Suitable for: clients who need short-term funding between the settlement of a new and an old property
*The comparison rate is calculated on a A$150,000 loan over 25 years. Fees and charges may apply. WARNING: this comparison rate applies only to the example given. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may affect the cost of the loan.
**The bridging loan comparison rate is calculated on a A$150,000 loan over 25 years, and fees and charges may apply. WARNING: this comparison rate applies only to the example given. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may affect the cost of the loan. Because this bridging product is short term (up to 18 months), the actual rate may be higher than the comparison rate.
— Product flexibility —
Flexible enough for complex cases
We assess income, assets, company structure and property together, and look for workable finance for borrowers with special circumstances.
Self-employed friendly
Apply with just two years of financial statements. No complex income verification, which lowers the barrier for self-employed applicants.
Simple Alt Doc applications
Fewer documents and a shorter approval time greatly simplify the whole application process.
Minor credit impairments considered
We accept minor adverse credit history and assess each case individually, for more flexible finance options.
Offset account support
Selected loans offer an offset account to reduce loan interest and make better use of your funds.
— Application process —
Five steps to finance
A clear, transparent process, a Chinese-speaking service from start to finish, and preliminary confirmation in as little as 48 hours.
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Share your loan requirements in the form below (property details, loan purpose, and more). We’ll come back with initial information on suitable loan products.
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Work directly with BC Asia or your mortgage referrer to complete and submit the loan application form, with the identity and income documents required.
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We’ll review your application and, in most cases, send a conditional approval with loan terms within 2 business days.
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When all checks are complete, we issue formal loan approval and send the documents to you for signing.
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Settlement complete — you’re all set!
— Free consultation —
Get a preliminary assessment for your Australian property loan.
After you submit the details, we assess feasibility based on your identity, income sources, assets and the property. You can also send your enquiry through the contacts below.
Email：
[email protected]
WeChat：
BCGroup16
Language：
Chinese｜English｜Japanese
— For brokers and professional partners —
Work with us to serve your clients.
A broad, flexible range of property finance for overseas buyers, self-employed borrowers, SMSF trustees and clients
✓ A dedicated team follows each submitted case and updates you on progress in real time
✓ A bilingual Chinese and English team reduces communication and document translation costs
✓ Products for non-residents, local residents, commercial property and SMSF borrowers
✓ No Clawback commission protection
Partnership highlights
One-to-one support from a dedicated business development manager.
Fast feedback and real-time approval status.
Bilingual Chinese and English support.
A flexible product mix covering a wider range of clients.
Transparent commission. No Clawback.