When buying property in Australia, expat borrowers should be prepared to contribute a solid deposit. Most Australian banks will lend around 70% to 80% of the property value to expats, meaning you’ll need a 20%–30% deposit in many cases. Some lenders consider expat loans a bit higher risk, so they limit the maximum Loan-to-Value Ratio (LVR). That said, if you are an Australian citizen with strong financials, a few lenders may allow up to 90% or even 95% LVR with Lenders Mortgage Insurance (LMI).. As a rule of thumb, plan for at least 20% deposit. In addition, don’t forget to budget for purchasing costs like stamp duty, legal fees, and any applicable taxes. These costs are on top of your deposit. For example, if a bank will lend 80%, you’d provide 20% plus enough savings to cover stamp duty (which can be significant, though Aussies buying their first home might get concessions). If you’re a permanent resident rather than a citizen, you may find the LVR capped slightly lower with some lenders (e.g. 70% or 80% max), so a larger deposit could be needed in that case. AEXPHLwill help you understand the required deposit for your target price range and ensure you have the necessary funds (or discuss strategies like guarantors, if applicable). Remember that a bigger deposit not only makes approval easier but also reduces your interest costs over time.