Non-Citizen Loan

For customers living overseas looking to purchase investment property in Australia. MKM will use 100% of income for both Self Employed and PAYG.

make it


Key features of the MKM Non-Citizen loan

Loan Settings

  • Rates From 6.25%

  • Maximum LVR 75%

  • Maximum Loan $1.5m

  • 0.55% upfront and +.20 trail including GST

Other features

  • No clawbacks

  • MKM does not shade overseas income. We accept 80% of overseas rental income.


  • Must reside in eligible countries of residency

  • Customers on visas residing in Australia or a non-citizen residing overseas can be receiving overseas income streams

What our Non-Citizen customers are saying

“Not being an Australian citizen, MKM gave me the opportunity to buy into the real estate market in Australia using 100% of my overseas income. Thanks MKM!”

A great initial product allowing us to buy into property prior to our move to Australia.

Product Summary

Registered Defaults

< $1,000 Ignored if > 2 years


Zero arrears

Maximum LVR

Borrow up to 75% of the property’s value

Max Loan – 75% LVR


Max Loan – 70% LVR


Maximum term

30 years (subject to expected retirement age)

Minimum term

5 years

Repayment frequency

Weekly, fortnightly or monthly (Interest only is monthly)

Extra payments


Ready to take the next step?

One of our Business Development Managers will be happy to speak with you to find a solution that best suits your needs.