ClickCeaseAPFG | Australian Property & Finance Group

foreign investor loan

Lowest Interest Rate ever
Lowest Interest Rate ever


New Purchase, Refinance or Equity ReleaseNew Purchase, Refinance or Equity Release
Multilingual  Customer ServiceMultilingual Customer Service
Confirmation of Loan Acceptance within 48 hoursConfirmation of Loan Acceptance within 48 hours
Fully Featured Online Access Fully Featured Online Access
Salaried & Self Employed ApplicantsSalaried & Self Employed Applicants
Up to 75% LVRUp to 75% LVR


Minimum Loan AmountAUD $150,000
Maximum Loan AmountAUD $1,500,000 for Melbourne and Sydney Metro
AUD $900,000 for Brisbane, Gold Coast, Canberra, Perth and Adelaide
AUD $2,000,000 for single borrower
AUD $500,000 for non metro
AUD $1,000,000 and LVR ≤65% >0.30% p.a. loading to the applicable rate for clients with loan amount > AUD $1,000,000 and LVR ≤65%
0.50% p.a. loading to the applicable rate for clients with loan amount > AUD $1,000,000 and LVR >65%
Variable Interest Rate3.88% p.a. for clients with LVR ≤ 65%, 4.28% p.a. for clients with LVR > 65% to ≤ 70%, 4.98% p.a.
for clients with LVR >70%
Alt Doc Premium0.50% p.a. loading to the applicable rate for clients with loan LVR ≤65%
0.70% p.a. loading to the applicable rate for clients with loan LVR >65%
Interest Only Premium0.30% p.a loading to the applicable rate
Loan TermUp to 30 years (Maximum 5 year Interest Only)
Borrower TypeSalaried Employee and Self Employed
Security Size RequirementsNo minimum size (refer to internal area) <45 sqm: max 50% LVR,
45 – 50 sqm: max 60% LVR, >50 sqm: max 75% LVR
Monthly Repayments
Repayment Type Security1st Mortgage Property Security


Conditional OfferApplication Fee$990[4]
SettlementLegal Fee$400 plus disbursements
AnnualAnnual Package Fee$499[5]
On Final Repayment of LoanMortgage Discharge Fee$550


  1. Last 3 months personal bank account statements showing regular salary credits; and
  2. Employment agreement or letter from Employer; or
  3. Last 3 months salary slips for regular income.
  1. Last 6 months personal bank account statements showing distributions, dividends or other credits from the business (business bank statements may be required if credits are irregular or insufficient); and
  2. Two years business financials; or
  3. Accountant certificate.
  1. Completed Mortgageport Application Form;
  2. Identification:
    1. Copy of Passport, and
    2. Copy of one other Photo ID;
      1. Country Identification Card; or
      2. Driver’s Licence;
  3. Personal Credit Check Report issued by relevant jurisdiction[6]
  4. Evidence of assets where income is assessed for serviceability, including:
    1. Property Ownership;
    2. Share/Investment Certificates/Statements;
    3. Rental Statements;
  5. Purchase:
    1. Evidence of funds to complete the property purchase; and
    2. ii. Contract of sale;
  6. Refinance and/or Equity Release:
    1. 6 months mortgage statement (for property under mortgage); and/or
    2. Copy of the property title (for fully owned property applying for equity release)

All languages other than Chinese, Vietnamese, Bahasa Indonesia and Bahasa Malaysian documents must be translated by a qualified NAATI Translator.

  1. The Comparison Rate is based on a secured loan amount of AUD $150,000 at 60% LVR, and salaried 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 and financial situation. Terms, conditions, fees, charges and lending criteria apply and are available on application.
  2. The variable interest rate is calculated by reference to the variable interest rate plus or minus an Applicable Margin.
  3. Other fees and charges are payable.
  4. Includes one valuation up to $440. Where valuation exceeds this cost, the difference is payable by the client at settlement.
  5. The annual package fee for Year 1 is payable at settlement and on the annual settlement anniversary thereafter.
  6. Acceptable personal credit check reports are ones issued by: China (Mainland): Credit Reference Centre, People’s Bank of China, Indonesia: Bank of Indonesia, Malaysia: Bank Negara Malaysia, Singapore: DP Bureau. For countries not listed here, our loan assessors will advise on an acceptable credit reporting agency in your country at the time of loan assessment.
DISCLAIMER: This document 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. Should there be any inconsistency between the English and the Chinese versions, the English version shall prevail. PRIVACY: In the event that AUSTRALIAN PROPERTY AND FINANCE GROUP PTY LTD collects any private information from you then we will deal with that information in accordance with our Privacy Policy which is located at


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