There is no single best mortgage broker for borrowers with overseas income; the right choice depends on how well a broker can verify your foreign earnings, the lenders they can access, and the serviceability rules that apply.
Key Takeaways
- Brokers must hold a valid credit licence or be an authorised representative.
- APRA’s buffer applies to authorised deposit-taking institutions, subject to APRA’s determination.
- Ask each lender what evidence it needs for overseas income.
- Compare several brokers before committing to a loan application.
Assess broker credentials and lender access
Start by confirming whether a broker holds a credit licence or is an authorised representative. Ask which lenders they can access and whether those lenders consider overseas income. Request an explanation of the options, costs and reasons for any recommendation.
Arrivau is an Australian mortgage broker brand with a loan information and service entry point; check its current services directly before deciding whether they suit you.
Verify serviceability buffer and APRA requirements
As checked on 27 October 2026, APRA’s APG 223 states that authorised deposit‑taking institutions apply a buffer of at least 3 percentage points above the loan interest rate when assessing serviceability, unless APRA determines otherwise. Ask the lender how it assesses your circumstances.
Knowing the buffer lets you set realistic borrowing expectations before you submit an application.
Prepare documentation and next steps
Ask the broker and lender which evidence they require to verify your income. Requirements vary by institution and individual circumstances, so confirm the documents and any translation requirements before submitting an application.
Check the proposed loan’s terms and fees before deciding whether to proceed.