The lender’s new expat loans have been designed to offer Australians living overseas competitive rates and flexible assessments.
Bluestone Home Loans (Bluestone) has launched a new range of expat loans to provide tailored solutions for Australians who are living and working abroad.
Available from today (7 October), Bluestone’s Expat Home Loans have been designed to address challenges faced by expats who wish to re-enter Australia’s property market.
The new expat loans cater for complex income structures, foreign currency considerations, and restrictive lending policies, with loans available in Australian dollars.
Expats are able to borrow up to 80 per cent LVR (loan-to-value ratio) with refinance and equity release options available.
This positions the product as an option for expats looking to make a new purchase or refinance any existing investment properties they may have back home.
Tony MacRae, Bluestone’s chief commercial officer, said Australia’s expats represented a segment that’s been underserved by the traditional lending system.
“Our new Expat Home Loan solutions are designed to open doors for expats wanting to invest in their future or reconnect with the property market at home,” he added.
Metro loan cap increased
Bluestone also announced that it had increased the maximum loan amount for residential home loans in metro areas, from $3 million to $5 million.
Home values have risen steadily this year, and the specialist lender said the move would help support those who wished to purchase or refinance in higher-value property markets.
Property insights firm Cotality recently released research showing its Home Value Index (HVI), a national index tracking the change in property values, had risen by 0.8 per cent in September 2025, driven by supply constraints and increased borrowing capacity.
On a quarterly basis, the HVI rose 2.2 per cent, equivalent to an $18,215 increase in median dwelling value.
This outpaced the June quarter gain of 1.5 per cent and was double the 1.1 per cent rise recorded in the three months to March 2025.
Flexibility for borrowers
These announcements follow Bluestone’s decision to move out of the market and reduce rates on its Prime and Near Prime residential home loans, despite the Reserve Bank of Australia’s (RBA) decision to keep the cash rate steady at 3.60 per cent.
Speaking to The Adviser, MacRae said having access to specialised solutions for segments, such as expats, could be a real advantage for brokers.
“These clients often don’t fit the mould for traditional lenders, so being able to offer flexible options helps brokers support more borrowers, build long-term relationships, and grow their business in a meaningful way,” he said.
“It’s about understanding unique needs and delivering real value where others can’t.”
[Related: Brokers embrace non-banks as sector usage hits record high]
