Independent guide. Not a lender or mortgage broker, and not credit advice. About us
Expat FinanceIndependent guide

Checked 7 October 2026

Australian home loans from Singapore

What is specific to borrowing from Singapore: how lenders treat income in SGD, what to check before you move money, and the tax position. Lender figures come from broker websites and are indicative.

At a glance

  • CurrencySGD. Top tier on broker lists.
  • Tax treaty with AustraliaYes. A double tax agreement has been in force since 1969.
  • Moving money outWe found no country-specific limit to flag. Check your own country’s rules before you transfer.

How lenders see income from Singapore

The Singapore dollar is in the top tier on broker currency lists. One broker reports that lenders count 100% of top-tier income; another says major currencies are usually shaded to 60% to 80%. The percentage is set by each lender, so ask for it per lender.

The percentage of income counted, the loan size and the deposit all depend on your status as well as your currency. See Australians overseas, foreign nationals and how foreign income is counted.

Tax

Singapore’s Additional Buyer’s Stamp Duty applies only to Singapore property: IRAS excludes residential property outside Singapore from the count, so an Australian purchase does not move you up the ABSD ladder. Check the position for your own case with IRAS before you buy.

The general rules for overseas owners are on our tax page.

A roadmap for a buyer living in Singapore

Free, on screen straight away: the documents, cash, timeline and tax points for your situation. Get your loan roadmap.

Frequently asked questions

Will Australian lenders accept SGD income?

The Singapore dollar is in the top tier on broker currency lists. One broker reports that lenders count 100% of top-tier income; another says major currencies are usually shaded to 60% to 80%. The percentage is set by each lender, so ask for it per lender.

Does Australia have a tax treaty with Singapore?

Yes. A double tax agreement has been in force since 1969.

Sources

Checked 7 October 2026. Broker figures are indicative.

Expat Finance is an independent guide. It is not a lender, mortgage broker or credit provider, it does not hold an Australian credit licence, and it does not give credit, legal, tax or migration advice. It is not affiliated with any bank, the ATO or the Foreign Investment Review Board. General information only, not legal, tax, migration or financial advice.