Buying Property in AustraliaFrom Mumbai and India
Home loan, refinancing and investment lending advice for Australians and expats buying from Mumbai. We’re former bankers, we compare 40+ lenders, we’re paid by the lender (not by you), and we work Mumbai hours.
- Australian citizens in India face no FIRB approval and no foreign-buyer ban: the whole Australian market is open to you, established homes included, and permanent residents are generally treated the same way while they remain ordinarily resident in Australia.
- Indian rupees sit on the preferred currency list, so lenders commonly count 80 per cent of your gross salary, and foreign overtime, allowances, commission and bonuses are now accepted in servicing at select lenders.
- Mumbai runs four and a half hours behind Melbourne in the Australian winter and five and a half in the summer: your morning is Melbourne’s mid-afternoon. We work to your time zone.
- The full journey, documents to settlement without a flight, is in our step-by-step overseas buying guide. This page covers what is specific to Mumbai.
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Two things most Australians working in India have not caught up with: Indian rupees now sit on the preferred currency list at select lenders, so around 80 per cent of gross salary commonly enters the assessment, and the Liberalised Remittance Scheme, not the lender, is usually the binding constraint on the deposit, at USD 250,000 per financial year. Put those together and the plan reorders itself: match the lender first, stage the remittances across the LRS calendar second, and only then shortlist the property. The same Mumbai payslip still comes back six figures apart from two lenders, which is why the order matters.
India hosts its largest Australian community in Mumbai, which is why the guide above speaks in Mumbai terms. Delhi, Bengaluru, Hyderabad and Chennai readers lose nothing by it. An Australian home loan is judged by Australian rules, and those rules do not vary with the address you write on the form, so the sequence, the documents and the decisions are identical across the country.
What India does have in its favour is the clock. Mumbai sits four and a half hours behind Melbourne in the Australian winter, so 10am on a Tuesday in Melbourne is 5:30 AM on Tuesday in Mumbai. Work that forward. A nine thirty start in India puts you in the middle of the Australian afternoon, and you can still reach an Australian desk at half past twelve your time. A full Indian morning overlaps Australian business hours, which means the conversation can happen live rather than overnight.
Before you commit to a purchase from this distance, work through our guide to buying property in Australia while living overseas.
Find out what your INR salary borrows in Australia. Checked by a former banker, free.
Tell us where you are in India and what you earn, and we will tell you which lender counts the most of it and what that means for your budget in both currencies. No cost, no obligation.
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What an Indian rupee salary supports in Australia
Indian rupee income now clears the preferred-list hurdle, and lenders assessing it commonly count around 80 per cent of gross salary once shading is done. Overtime, allowance and bonus treatment varies lender to lender, and the modelling usually assumes Australian tax scales however the income is actually taxed in India. On one payslip, the gap between the right and wrong lender is routinely six figures of budget, so the sequencing starts with that choice.
Deposit and LVR on a rupee salary. One major bank’s foreign income policy lists the rupee in its second tier: 80 per cent of the gross salary counted after a 20 per cent deduction and converted at the XE rate, a maximum loan of 80 per cent of the property value, and no lenders mortgage insurance, so a 20 per cent deposit plus costs is the planning number and the remittance calendar has to deliver it. The 95 per cent tier is reserved for seven currencies, pounds, euros, Hong Kong, New Zealand, Singapore, US and Canadian dollars. A permanent resident living overseas stops at 80 per cent whatever the currency.
Indian rupees earned in Mumbai, Bengaluru or Delhi now sit on the preferred currency list at select lenders, something few Australians working in India realise.
Rupees on the preferred list mean 80 per cent of your gross salary commonly enters the assessment, with foreign overtime, allowances, commission and bonuses now admissible in servicing at select lenders. Build one modelling assumption into your plan early: most lenders re-tax the salary at Australian scales even where your Indian rate is lower, another line in the ledger that makes the lender comparison worth staging before anything else.
Your own figure is two steps away: today’s rupee rate from xe.com, then the calculator below, which applies the income count set out in our Australian expat home loans guide. Keep the planning caveat pinned to the top of the file: between the kindest and harshest lender, the same Mumbai payslip routinely returns a difference of six figures of budget, which is why the lender decision sits first on the timeline, ahead of the property search.
Australians in India split between corporate postings in Mumbai and Delhi and the growing tech corridor in Bengaluru, and many hold dual careers across both countries. Indian rupees appearing on preferred currency lists is recent and still under-known, so plenty of India-based Australians assume borrowing is harder than it now is.
What the assessor actually looks at. The paper trail on the deposit as much as the payslip. Rupee income on the preferred tier is read from the contract and three months of salary credits, but a deposit that has crossed out of India is read for where it came from and when it moved, because funds staged across LRS years or family members arrive as several transfers rather than one. Australian lenders are comfortable with LRS-sourced funds when that trail is clean, and uncomfortable when it has to be reconstructed in settlement week, so keep every remittance advice from the first tranche.
One Indian number worth naming for context: the Reserve Bank of India’s policy repo rate stands at 5.25 per cent (rbi.org.in, checked 1 October 2026). That rate shapes what banks in Mumbai charge on Indian loans and pay on Indian deposits, and it has no bearing on how an Australian lender assesses or prices a loan; the Australian file runs entirely on the shading and serviceability rules described on this page.
Live as you type, and private by default: what you enter stays in your own browser and we never see it. The 80 per cent tier and the debt-to-income cap of five are planning inputs, not an approval; tax modelling, commitments and full serviceability decide the final figure, and lender to lender the same payslip still moves by six figures. General information only, not credit advice.
Cotality’s median dwelling values as at 30 September 2026 give the staging posts: Sydney $1,198,596, Brisbane $1,048,880, Perth $975,022, Adelaide $928,560, Melbourne $780,550. An indicative ceiling near $412,800 lands under every one of those medians, which steers the plan toward units, regional markets, a heavier deposit staged across LRS years, or a co-borrower. The comparison is priced at the worked example’s illustrative rate, so the ceiling travels with the rupee, exactly the movement the calculator above prices as you type. Every capital’s detail sits in the full median tracker.
For the lender by lender detail behind these settings, see which Australian banks lend to expats in 2026, and for how we place a file from India, see our Australian expat mortgage broker page.
In short: rupees now read on the preferred tier at select lenders, the deposit is governed by the LRS calendar before it is governed by any lender, and equity already sitting in an Australian property bypasses that pipeline entirely, so sequence lender, remittances, then property.
Five years of the rupee, in Australian dollars
Put five years of the rupee on a calendar, using Reserve Bank of Australia monthly data: one rupee bought about A$0.019 in August 2021, A$0.019 in August 2023, A$0.017 in August 2025, and about A$0.015 now. Staged at the strongest month, a ₹1 crore deposit arrived in Australia as $190,259; at the weakest, $146,263. The $43,996 between those two outcomes is the argument for planning transfer timing alongside the LRS calendar and the lender shortlist rather than after them.
Model it before you move it: pull the live rate at xe.com and the calculator above turns it straight into borrowing power. Nobody can forecast the rupee, and the plan should not need to; it should show what a small move in the rate does to the deposit, stage big remittances across tranches instead of trusting one date, and route every leg through the settlement-transfer safeguards. The exchange-rate figures above are RBA monthly averages and general information only, not financial or FX advice.
The pipeline out of India also has a precise ceiling. Under the Reserve Bank of India’s Liberalised Remittance Scheme, a resident individual can remit up to USD 250,000 per financial year, April to March, for permissible transactions (RBI LRS frequently asked questions, checked 23 August 2026). A Mumbai deposit larger than that figure is usually staged across financial years or across family members, and how the scheme applies turns on your own residency position under Indian rules, so speak to your bank in India about the remittance rules before you set the settlement calendar.
Buying from Mumbai: the practicalities
Practicalities for Mumbai-based buyers: the time difference of four and a half to five and a half hours behind Melbourne shapes call scheduling rather than preventing it; documents follow the standard expat file of employment evidence, bank statements and recent payslips; documents are typically in English, simplifying the file; and inspections, contracts and settlement all complete remotely.
- Time zones: Mumbai is four and a half to five and a half hours behind Melbourne. Your morning is Melbourne’s mid-afternoon, and our calendar shows slots in your local time.
- Documents: the standard expat file applies: employment contract or letter, three months of salary credits, two payslips no older than about 60 days. Payslips and contracts are typically issued in English, which keeps the document file straightforward.
- On the ground: Bengaluru and Delhi run the same playbook. Inspections, exchange and settlement all run remotely: the mechanics are Steps 5 and 6 of the main guide.
- Tax, on the Indian side: the Income Tax Department’s return guidance turns on whether you are resident, not ordinarily resident or non-resident in India (incometax.gov.in, checked 23 August 2026), and for a buyer in Mumbai an Australian purchase can sit differently on each side of that line, so speak to an Indian tax adviser.
- The market you are buying into: premium values fell 3.2 per cent in the three months to July 2026 while clearance rates sat under 50 per cent: the case for this cycle is in our buyer’s market analysis and buy-back window piece.
Your Mumbai file: what to have ready
Tick what you already hold. This is the standard expat file described on this page, with the remittance paper trail that an India-sourced deposit is read on. Nothing you tick is stored or sent anywhere.
0 of 9 ready
In Mumbai? Start with one email. Email ahmed@everstonefinance.com.au, the link pre-fills a short template, and we reply within a day, your time. Or book a slot.
Australians elsewhere: our guides for Dubai, UAE, Singapore, or the full overseas playbook.
Already own in Australia? Refinance, cash out and equity release, from Mumbai
For Mumbai-based owners the equity conversation starts with a constraint specific to India: the Liberalised Remittance Scheme in India caps what an individual can move offshore each financial year, which is why deposits from India are often staged across years or family members. Equity released from a property you already own in Australia sidesteps that pipeline entirely, because the funds are already in Australian dollars, and select lenders will run the refinance from Mumbai remotely on the same preferred-list rupee assessment that applies to a purchase.
According to Everstone Finance, Australians in Mumbai can refinance an Australian mortgage entirely from India: identity is certified locally, the documents are signed electronically, and settlement completes in PEXA, the electronic platform used for Australian property settlement.
That combination rewrites the plan for a second property. Instead of remitting a fresh deposit out of India on the LRS calendar, the deposit can come out of the growth in the existing property, with rupee income carrying the serviceability re-test at select lenders and only the shortfall, if any, travelling from India with a clean paper trail.
For Australian citizens and permanent residents who own property in Australia, a cash out refinance from Mumbai is the Australian form of a home equity loan, and because Australian lenders lend against that property, not one in India, it is also the usual way to fund a home in Mumbai. Most lenders stop at around 80 per cent of the current valuation without mortgage insurance, less what you owe, and the review runs on calls booked into your Mumbai morning. Our explainer on the cash out refinance for Australian expats sets out the purpose test.
The other half of the section is the rate itself: preferred-list treatment of rupees is recent and still under-known, so a loan set up years ago has likely never been tested against current expat policy.
The repricing-then-refinance steps in our negotiate-your-rate guide work by email from Mumbai, Bengaluru or Delhi, and the current cashback market pays switchers who qualify. Serviceability across both loans on shaded income, current valuations and LVR caps still set the ceiling, and weighing the remittance calendar against the equity release is the structuring a former banker maps in one conversation.
We see the Mumbai version most weeks: a deposit being assembled tranche by tranche across LRS years while a property already owned in Australia holds equity that never had to leave the country. Reading the two side by side usually changes which one funds the next purchase.
Australians across India: Bengaluru, Delhi NCR, Hyderabad, Chennai and Pune on the same rupee file
The currency is the Indian rupee, one currency for the whole country, and the Reserve Bank of Australia quotes it against the Australian dollar every business day: 68.14 rupees to one Australian dollar on 4 September 2026. The lender treatment this page describes attaches to that currency, so a rupee salary from a Bengaluru technology campus, a Gurugram or Noida office in the Delhi NCR, a Hyderabad software employer, a Chennai manufacturer or a Pune engineering firm is read on the same preferred list tier and the same tax modelling as a Mumbai payslip. For the NRI reader the title also addresses: the treatment described is for Australian citizens and permanent residents earning rupees, and a non-resident Indian without Australian status starts from the foreign person position under FIRB rather than from this page.
Identity documents are certified at whichever Australian post covers your state, and India has five. The Australian High Commission in New Delhi, at 1/50 G Shantipath, Chanakyapuri, serves the Delhi NCR and certifies copies and witnesses signatures on documents for use in Australia by appointment, with certified copies also available by post within India. The Consulate-General in Mumbai covers Maharashtra, so Pune as well as Mumbai, plus Gujarat, Goa and Rajasthan; the Consulate-General in Bengaluru covers Karnataka and Telangana, so Hyderabad, plus Chhattisgarh and Madhya Pradesh; the Consulate-General in Chennai covers Tamil Nadu, Kerala, Andhra Pradesh, Odisha and Puducherry; and the Consulate-General in Kolkata covers West Bengal, Bihar, Jharkhand and the north eastern states. Mumbai, Chennai and Bengaluru each list certifying copies of original documents, witnessing signatures and verifying identity among their notarial services, by appointment, with fees set in Australian dollars and realigned to rupees monthly.
India keeps one clock across all of it, Indian Standard Time at UTC+5:30 with no daylight saving, so Bengaluru, Hyderabad, Chennai, Pune and the Delhi NCR sit on exactly the same offset as Mumbai. Melbourne is on UTC+10 and moves to UTC+11 from the first Sunday in October to the first Sunday in April, which stretches the four and a half hour gap on this page to five and a half through the Australian summer: a 9am start in Hyderabad is 1:30pm in Melbourne in September and 2:30pm from October, so the Indian morning is the widest live window.
Nothing in the lender file moves with the city. The deposit paper trail and the remittance calendar set out above apply to a bank account in Chennai exactly as they do in Mumbai, the standard document set is the same, and a file from Pune or Hyderabad is placed the way the expat mortgage broker page describes; an Australian property you already own can be refinanced from any of these cities on the same rupee assessment, as our refinancing from overseas guide sets out.
In short: India is one rupee file and one clock. The city decides only which of the five Australian posts certifies your documents, New Delhi, Mumbai, Bengaluru, Chennai or Kolkata, and the lender treatment, the remittance calendar and the four and a half hour gap, five and a half in the Australian summer, are the same from Pune to Hyderabad.
Will an Australian lender accept a salary paid in Indian rupees?
Yes. Indian rupee income now clears the preferred-list hurdle, and lenders assessing it commonly count around 80 per cent of gross salary once shading is done. For an Australian in Mumbai the modelling usually assumes Australian tax scales however the income is actually taxed in India, and lender choice moves the budget by six figures.
Preferred-list treatment is what travels, not the postcode. The Dubai guide and the page for Australians in Singapore start from different currencies and arrive at the same shading question, and the sequence underneath all three is our step-by-step guide to buying from overseas.
Our Australian expat home loans guide holds the lender rules in one place if you want the full picture before you call.
Buying property in Australia from India: Indian citizens, Australian citizens and overseas citizens of India
Passports decide the rulebook before rupees decide the loan. An Australian citizen living in Mumbai, including one who holds an Overseas Citizen of India card, is never a foreign person under Australian foreign investment law: no approval, no fee, and any property, established or new. An Indian citizen without Australian citizenship or permanent residency is a foreign person, which in 2026 means no established houses or apartments until 30 June 2029, a new dwelling or vacant land only, approval or a developer exemption certificate before an unconditional contract, and an application fee of $15,600 for a property of $1 million or less in the 2026-27 year.
State surcharges follow the same line: 9 per cent in New South Wales, 8 per cent in Victoria and Queensland, 7 per cent in Western Australia and South Australia and 8 per cent in Tasmania on top of ordinary stamp duty for a foreign purchaser. The lending pool for an Indian citizen living in India is the non-resident panel rather than the expat panel, with lower maximum loan-to-value ratios, and the rupee sits outside the currency lists of the strictest lenders, so the file is shaded harder and placed with fewer lenders than a pound or a Singapore dollar file. The question earlier on this page about moving a deposit out of India applies to both passports.
The path that changes everything for an Indian citizen is a permanent visa or an Australian spouse: permanent residency removes the foreign person rules altogether, and buying an established home jointly with an Australian citizen or permanent resident spouse as joint tenants is the recognised exception. Our non-resident and foreign buyer guide sets out the full rules for buyers without Australian status.
Buying a home in Australia from Mumbai: the remittance calendar comes first
Buying a home in Australia from Mumbai is sequenced around the money, not the property. Indian rupee income reads at around 80 per cent of gross on the preferred lists and documents are in English, but the deposit leaves India under the remittance rules covered above, so the transfer calendar is settled before a contract is signed. Mumbai is four and a half to five and a half hours behind Melbourne, which puts a full Indian morning inside Australian business hours. Certification is local, the contract goes through an Australian conveyancer, signing is electronic and settlement runs through PEXA.
Search it as buying a home in Australia from Mumbai, buying a house in Australia from India, buy property in Australia from India or how to buy property in Australia from India: for an Australian citizen or permanent resident the answer is yes from Mumbai, Bengaluru, Delhi, Hyderabad, Chennai or Pune, and the Indian citizen and overseas citizen of India positions are in the section above.
Self-employed in India: building an Australian file from business income
If you run a business in Mumbai, consult into the firms clustered there, or contract rather than hold a post, the rupees are earned rather than salaried. That changes what the file is built from, not what it is worth.
Expat lending is designed around full time employment and contract work, so it looks for a payslip, an employment contract and salary credits that agree. A file built on business income comes together differently, decided by the evidence rather than the amount.
Everstone Finance works out which documentation route fits before lodging. Brighten writes non-resident lending as either a full documentation loan or an alternative documentation loan. Bluestone treats any Australian citizen or permanent resident living overseas and earning in a foreign currency as an expat, and publishes flexible income verification options that include self-employed borrowers. Everstone weighs both against the way you are paid, because a decline leaves a credit enquiry and a valuation on the record.
Raise it immediately. India and Australia share enough of the working day for the lender question to be settled without waiting overnight, and the timing section above sets out exactly how the clocks line up.
Frequently asked questions
Can an Australian living in Mumbai buy property in Australia?
Yes. The passport does the heavy lifting: with citizenship you sit outside the FIRB foreign-person net, which removes the approval requirement and every restriction that travels with it, established homes included. Permanent residents are generally treated the same way while they remain ordinarily resident in Australia, though a PR holder who has lived overseas for an extended period can be treated as a foreign person under FIRB rules and should confirm their position before signing a contract. What is left, the lending file and the paperwork trail from Mumbai, is exactly what this page maps.
Can Australian expats in India arrange an Australian home loan without flying home?
Yes. The process is built to run remotely, with identification certified where you live and signing arranged from India. The loan is assessed under Australian rules, so the city you are posted to matters far less than your income and the documents behind it. The time zone helps as well. At four and a half to five and a half hours behind Melbourne, an Indian morning sits inside the Australian working afternoon, which makes live conversation practical rather than nocturnal.
How much of an INR salary will an Australian lender count?
Commonly around 80 per cent of gross salary. Indian rupees have earned preferred currency list treatment, and select lenders now count overtime, allowances and bonuses too. Model the lender choice before anything else: policy gaps between lenders move the budget by six figures, whether the payslip is written in Mumbai, Bengaluru or Delhi.
Do I need to fly back to Australia to buy?
No. Inspections run by video and local eyes, contracts sign electronically in most cases, and settlement completes electronically between your conveyancer and lender, and Mumbai’s four and a half to five and a half hours behind Melbourne leaves a shared window for anything that needs a call. The step-by-step mechanics are in our main overseas buying guide.
What documents do I need from Mumbai?
Four items open the file: the employment contract or an employer letter, three months of bank statements with salary credits landing on schedule, a pair of payslips issued within about 60 days, and standalone evidence for bonus or allowance income. Payslips and contracts from Mumbai, Bengaluru or Delhi typically come in English, sparing the file a translation round.
I work remotely from Mumbai and am paid in AUD or USD. How does that assess?
The assessment follows the currency on the payslip, not the address. An AUD salary carries no shading at all, a USD salary lands on the preferred 80 per cent tier, and files like these are often the cleanest expat applications a lender sees. That puts many Mumbai-based remote workers in a simpler position than colleagues on local rupee contracts.
Will buying property in Australia change my tax residency?
Purchase alone does not flip Australian tax residency; the tests look wider, at ties, intentions and the shape of a life spread across two countries. Before you exchange, put it to a registered tax professional. It matters doubly for the Mumbai careers this page describes that keep one foot in each country.
When should I convert my INR savings into Australian dollars?
No calendar picks the day for you, and pretending otherwise is gambling with the five-year spread the chart above documents. The alternative is staging: several planned transfers rather than one large conversion. Lenders meanwhile expect deposit funds to arrive traceable and seasoned. From India the Liberalised Remittance Scheme calendar adds its own timetable, one more reason the movement plan belongs early.
Are there restrictions moving my deposit out of India?
India’s Liberalised Remittance Scheme caps how much an individual can move offshore per financial year, so larger deposits are often staged across years or family members. Australian lenders are comfortable with LRS-sourced funds when the paper trail is clean, and planning the remittance calendar early prevents settlement-week drama.
I already own a property in Australia. Can I refinance or release equity from Mumbai?
Yes, at select lenders: expat policy covers refinancing and equity release as well as purchases, assessed on the same shaded rupee basis, and because the equity is released inside Australia it does not travel through the Liberalised Remittance Scheme the way fresh savings from India do. It can fund the deposit on the next property, subject to serviceability across both loans, current valuations and LVR caps, and the structuring is worth mapping with a broker before you commit.
Can I refinance my Australian investment property from Mumbai if it is rented out?
Yes, in most cases. The rent from the Australian property is assessed alongside your rupee salary, and an investment loan that has sat untouched for years is often the first candidate for review. Everything runs remotely on the assessment described on this page, and a property you already own needs no FIRB approval to refinance.
Can an Australian living anywhere in India get an Australian home loan?
Yes. Indian rupee income is assessed under Australian policy wherever in India it is earned, so an Australian in Bengaluru, the Delhi NCR, Hyderabad, Chennai or Pune is read on the same preferred currency tier and the same tax modelling as one in Mumbai. Identity is certified at the Australian post covering your state, the deposit still moves on the Liberalised Remittance Scheme calendar, and the rest runs remotely.
Does it matter which Indian city I live in, Bengaluru, Delhi, Hyderabad, Chennai or Pune?
Only for certification. The lending assessment is identical across India, but the Australian post differs: New Delhi for the Delhi NCR, Mumbai for Maharashtra including Pune, Bengaluru for Karnataka and Telangana including Hyderabad, Chennai for Tamil Nadu and the south east, Kolkata for the east. All work by appointment, and India keeps one clock at UTC+5:30, so the call window is the same everywhere.
Can an Indian citizen buy property in Australia?
Yes, as a foreign person, unless they also hold Australian citizenship or permanent residency. Until 30 June 2029 an Indian citizen cannot buy an established dwelling except in narrow cases such as buying jointly with an Australian citizen or permanent resident spouse. New dwellings and vacant land are open with foreign investment approval and a fee starting at $15,600 for a property of $1 million or less in 2026-27, plus state surcharge duty of 7 to 9 per cent. An Australian citizen living in India, including an OCI card holder, buys as an Australian.
Can an Indian citizen get a home loan in Australia?
Yes, from the lenders that write non-resident loans, on a smaller panel and at lower maximum loan-to-value ratios than an Australian expat. Rupee income is outside the currency lists of the strictest lenders and is shaded harder where it is accepted, so the deposit and the choice of lender carry the file. The purchase must be one the foreign investment rules allow, which until 30 June 2029 means a new dwelling or vacant land unless you are buying with an Australian spouse.
How do I buy a home in Australia from Mumbai, step by step?
Map the remittance first: how much can leave India, through which bank, on what calendar, with the evidence that bank asks for. Then get a pre-approval on the rupee salary, counted at around 80 per cent of gross, with a lender chosen for its treatment of allowances. Certify identity locally at the Australian post or a notary. Search with a buyers agent or family in Australia, have an Australian conveyancer review the contract, sign electronically, move the deposit on the calendar you mapped, and settle through PEXA. A 9.30 am start in Mumbai is the middle of the Australian afternoon.
Mumbai to Melbourne is one conversation. Start it today, your time.
Your INR salary through the right lender’s eyes, your real budget in both currencies, and the whole purchase run remotely by former bankers. No cost, no obligation.
Book a chat with a former bankerAustralians buy back home from everywhere, and each city runs by its own clock and currency. See how the same purchase works from Dubai, UAE, Singapore, Riyadh, Saudi Arabia and Doha, Qatar, or start with the buying property in Australia from overseas guide, which maps all twenty guides.
The people behind Everstone
You’re trusting someone with one of the biggest financial decisions you’ll make. Here’s who you’ll actually be working with.
Ahmed Lotfi
A former major-bank lender who now works entirely for you. Ahmed handles structuring, refinancing and investment lending across the 40+ lender panel.
Zappelin Heng
Co-founder with deep lender experience, focused on getting complex and self-employed files assessed on their real strength, not a tick-box.
About the author. Ahmed Lotfi is co-founder of Everstone Finance and a former banker who now works as a mortgage and finance broker in South Yarra, Melbourne, arranging home, investment and commercial lending for Australians at home and abroad. Everstone Finance operates under the Best Interests Duty as Credit Representative 574314 of LMG Broker Services Pty Ltd, Australian Credit Licence 517921.