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Non-Resident &
Foreign Income

The Granite Non-Resident Loan is available for Non-Residents and Foreign Income borrowers, looking to purchase, refinance or for house and land contract construction. With a wide range of acceptable countries and currencies, we can assist with greater financial inclusion.

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Our partners set us apart

Granite's Non-Resident and Expat program is powered by AAA Financial Corporation (AAA). As a Granite broker this means you're now able to get access to all of the AAA speciality Non-resident and Foreign income products, under your existing Granite accreditation.

AAA is the market leader in this field with highly trained non-resident and foreign income sales, credit and support staff.


Foreign income simplified

Granite AAA's product suite has been specifically designed to allow any broker to easily understand the product type, eligibility, pricing, fees and charges.

If you're already accredited, head to the broker portal for more product information. If you're not, click the button below for instant accreditation.

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  • Up to 90% LVR Residential

  • Loans up to a maximum of $3,000,000*

  • Available for Purchase or Refinance

  • Park extra cash with 100% Offset available

  • Access to your Offset money when you need it via internet and phone access

  • Payment cycle that suits you with Monthly, Fortnightly or Weekly repayments

  • Greater Flexibility with Direct Debit and Direct Credit Facilities


* Interest Rate, Fees and Loan Amounts based on LVR and applicant type.

Borrower & Country list

Key Features

  • Below fees are indicative. Please contact your broker for further information.

  • Application fee waived

  • Residential valuation fee from $275

  • $300 Lender Documentation fee + disbursements

  • $499 Annual fee

  • $550 settlement fee

  • Lender Risk Fee may apply depending on Loan Amount, LVR and security type

  • Fee rebate and Loyalty bonus available on certain products.

Fees and Charges subject to change at any time. Please contact your broker for current rates, fees and charges.


Borrower type:

Non-Resident, Australian Citizens and acceptable VISA holders

Income Type:

Overseas income


Fixed and variable rates


Offset accounts and multiple loan splits

Redraw available:



Internet and Phone Banking (free unlimited transactions)

Acceptable income countries:

Australia, Brazil, Brunei, Canada, China, France, Germany, Hong Kong, India, Indonesia, Japan, Macau, Malaysia, Mexico, New Zealand, Philippines, Qatar, Saudi Arabia, Singapore, South Africa, South Korea, Switzerland, Taiwan, United Kingdom (England, Scotland, Wales, Northern Ireland), United Arab Emirates, United States of America, Vietnam, and any other European Commission countries not specified. (this list is subject to change)

Employment type:

All income types

Credit History:

Clear credit history

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