China Desk & SE Asia

Lending Advice, in a Language That Makes Sense

Supporting Australia's Chinese and South East Asian communities with finance advice, cross border context and advisers who can explain the process properly.

Talk to a China Desk adviser Request a lending assessment

Multilingual adviceExplained in your language

Cross border contextOffshore income understood

Local lending rulesAustralian policy, clearly set out

Why it is different

The barrier is rarely the money. It is the process.

Australian lending has its own language, its own documentation expectations and its own rules about income earned overseas, visa status and who may purchase what. Clients who are perfectly well positioned often struggle simply because nobody has explained how the system works. Our advisers bridge that gap, in language clients are comfortable in, and set out what applies to their situation.

How we can help

Three situations we see most

New Arrivals and Visa Holders

Recent migrants and temporary visa holders face a different set of lending rules to permanent residents. We set out what applies to your visa category and what lenders will expect to see.

Permanent resident and citizen lending
Temporary and skilled visa holders
Limited Australian credit history
Building a deposit and savings record
Understanding Foreign Investment Review Board requirements

Offshore and Foreign Sourced Income

Income earned outside Australia is treated differently by every lender, and some will not consider it at all. Knowing which lenders will, and on what terms, saves a great deal of time.

Foreign currency income assessment
Offshore employment and business income
Documentation and translation requirements
Exchange rate and shading policies
Non resident lending enquiries

Business, Investment and Family Purchases

Family purchases, investment property and business finance for clients with interests across two countries.

Residential investment purchases
Family and guarantor arrangements
Business and commercial finance
Purchases through companies and trusts
Coordinating with offshore advisers

Where advice counts

Getting the right answer the first time

Cross border lending sits across immigration status, foreign investment rules, taxation and credit policy, and the answer changes depending on which of those applies to you. An adviser who understands all four will tell you early whether something is possible, rather than after an application has already been lodged.

MandarinCantoneseVietnameseIndonesianMalayThaiPermanent residentsTemporary visa holders

Our China Desk services

What we do

Eligibility assessment

A clear answer on what your visa status and income type allow, before you commit to anything.

Offshore income review

Which lenders will consider your income, in what currency and on what terms.

Foreign investment guidance

Pointing you to the right FIRB requirements and advisers for your circumstances.

Advice in your language

Advisers who can explain the process and the documentation properly.

Residential and investment finance

The full residential lending service, delivered with cross border context.

Business and commercial finance

Commercial property and business lending for clients trading across both markets.

Start with a conversation

One conversation will tell you what is possible

Before you make an offer or commit funds, it is worth confirming where you stand. A short conversation with a Lydian adviser will cover:

What your visa or residency status allows you to purchase
Whether your income can be used, and by which lenders
What documentation you will need, and whether it needs translating
Whether Foreign Investment Review Board approval is likely to apply
What the process looks like and realistic timeframes

Lydian Financial Services provides credit assistance and lending services. Any advice on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending is subject to lender credit assessment, eligibility criteria, terms and conditions, and lender policy on foreign sourced income and non resident borrowers varies and changes over time. Foreign Investment Review Board approval requirements, visa conditions and taxation treatment depend on your individual circumstances. We recommend obtaining appropriate legal, migration and taxation advice before entering into a property or lending transaction.

Lending Advice, in a Language That Makes Sense

The barrier is rarely the money. It is the process.

Three situations we see most

Getting the right answer the first time

What we do

One conversation will tell you what is possible

Buying or borrowing across two countries?

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