Your borrowing capacity as an expat will depend on your income, financial commitments, and the lender’s policies. In general, banks will assess your foreign income and convert it to Australian dollars, often applying a buffer or “shading” to account for exchange rate fluctuations and tax differences. For example, some lenders might only count 80% of your foreign salary (or less) in their calculation, especially if it’s in a currency they consider less stable. Many lenders also apply Australian tax rates to your overseas income when determining what you can afford, which can reduce your assessed net income. On the positive side, if you earn a high income in a strong currency (like USD,GBP, SGD, HKD, EUR, or AED), there are several banks that will recognize most of that income (some even use 100% of it). In addition to income, lenders consider existing debts (including any overseas loans or credit cards), the number of dependents you have, and your Australian credit history (if any). As an expat, some lenders might impose a lower debt-to-income ratio threshold.Typically, Australian expats can borrow up to 80% of the property value (sometimes more, with conditions) and the actual dollar amount will be similar to what you could borrow if you were in Australia, provided your foreign incomeis strong. Every case is different – AEXPHL will thoroughly assess your situation to estimate your borrowing capacity and match you with a lender thatcan maximize your loan amount given your income and circumstances.