ANZ home loan for Australians living overseas: what ANZ publishes

What ANZ's application page requires

ANZ's "Quick Start" form covers a new loan, a switch from another lender, a top-up of an existing ANZ loan and pre-approval. Above the form it lists three conditions: you must be over 18, be an Australian or New Zealand citizen or permanent resident, and have primary income in Australian dollars.

After you submit the form, ANZ says it will call you back within 24 to 48 hours, that the call may take up to an hour, and that it does not run a credit check until it has spoken with you. The call covers:

• your salary and any other income;
• a breakdown of living expenses;
• loans, credit cards and other debts, and what you repay on them;
• details of you and any other applicants, including a driver's licence if you have one;
• your ANZ customer reference number, if you already bank with ANZ.

The page directs anyone who needs help, or does not meet the online criteria, to a mobile lender, a branch, the phone line or an ANZ accredited broker. The phone line runs Monday to Friday, 8am to 7pm Sydney or Melbourne time. The form offers call-back windows (anytime, 9am to 12 noon, 12 noon to 5pm, after 5pm) but does not say which time zone they refer to.

Foreign income and documents on ANZ's checklist

ANZ's home loan checklist has one line on foreign income. Under "other income", it asks anyone with foreign income, a superannuation, pension or annuity income, or government income to bring evidence of that income, generally for the last three months.

The rest of the income section is written around Australian documents: payslips, ANZ account credits, ATO income statements, tax returns and notices of assessment. The checklist does not say:

• which currencies are accepted;
• whether foreign income can be a borrower's main income;
• how much of it is counted;
• whether documents need translating or certifying.

For identity, the checklist asks for at least two forms of ID, one of which is photo ID such as a driver's licence or passport. It does not say how ID is checked for someone outside Australia.

ANZ's public residential broker page adds one more data point. Its table of estimated assessment times groups "Foreign Income" with single-entity self-employed income as one category, separate from the simple categories, and says the times assume a fully completed application. The page does not say who qualifies. The pages read do not explain how the online condition (primary income in Australian dollars) fits with the foreign income references on the checklist and broker page. For how lenders generally treat this income, see how lenders assess foreign income and our page on foreign-income home loans.

The ANZ Plus home loan

ANZ Plus is a separate, app-based product. ANZ's page describes it as a way to refinance, and lists these signs that it might suit you:

• you are refinancing an existing home loan between $10,000 and $2,000,000;
• you hold, or are willing to open, an ANZ Plus Everyday account and an ANZ Plus Growth Saver account;
• all borrowers are Australian or New Zealand citizens, or permanent residents of Australia;
• you earn PAYG income or rental income;
• you want a variable rate with principal and interest repayments;
• the loan is for no more than 80 per cent of the home's value, and less in some locations.

The page also says you cannot refinance a property in Tasmania or the Northern Territory, and cannot use internet banking, branches or the ANZ call centre to apply for or manage the loan. The ANZ Plus Home Loan Variable target market determination (TMD), effective 2 August 2025, says the product is applied for only in the ANZ Plus app, is not distributed by third parties, and covers property in Victoria, New South Wales, Queensland, Western Australia, South Australia or the ACT.

Neither page mentions living overseas or foreign income. ANZ's documents checklist says its information does not apply to ANZ Plus products.

What the other ANZ pages say

Target market determinations. ANZ publishes TMDs for its Standard Variable Rate, Fixed Rate, Simplicity PLUS and ANZ One products, each showing an effective date of 5 August 2022 and a current status, plus the ANZ Plus one above. None of the five mentions citizenship, residency, living overseas or foreign income. That differs from the Commonwealth Bank TMDs covered in our guide to CBA's published position, which name Australians living and working overseas.

The "V2 PLUS for Non-Residents" guide. ANZ hosts a short PDF with this title, addressed to intermediaries. It describes an at-call cash management account for non-resident individuals, offshore trusts and foreign companies, and carries a November 2015 item date. It is about deposits and identity requirements for opening an account. It is not a home loan document.

What ANZ does not publish

On the public pages read for this guide, ANZ gives no list of countries or currencies, no deposit or loan-to-value rule for overseas borrowers, no separate pricing for them and no statement on whether a citizen living abroad can apply. Any policy detail held in ANZ's broker systems rather than on its public pages was not read.

Questions worth putting to ANZ or a broker, and getting answered in writing:

1. Does the primary income condition apply to a purchase, a refinance and an investment loan alike?
2. Can an Australian citizen with an overseas address and foreign income apply, and through which channel?
3. Which foreign income documents does ANZ want, and are certified copies or translations needed?
4. Is foreign income counted in full or reduced, and can it be the main income?

Our page on documents for an overseas home loan covers what other lenders commonly ask for.

Frequently asked questions

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.