FOR AUSTRALIAN EXPATS WITH A MORTGAGE BACK HOME
Could Your Current Australian Mortgage Be Costing You More Than It Needs To?
The repayments can keep coming out every month without anything feeling wrong. But on a substantial loan, even a relatively small rate difference can add up.
About 60 seconds · No documents needed · See your initial result immediately
Trusted by 2,200+ Australian Expats Around the World
F W
Really excellent for Australian expats in HK. I switched to Odin Mortgage from a broker based in Australia and my borrowing capacity doubled. Pau, Rebecca, Sylvia, Ava and team are all so efficient and helpful – a great team that clearly knows what they’re doing!
Rhys Kelly
The team were quick to respond, knowledgeable and capable. They were able to get a mortgage done while we are living abroad that local Australian brokers were saying could not be done.
Sam Donohoe
Odin pro-actively secured us an improved rate on our expat investment property mortgage. We are very happy with their service.
*These reviews reflect individual personal experiences. Outcomes may vary depending on individual circumstances and are subject to assessment.
4.9 | Based On 391+ Reviews
See Where Your Australian Expat Mortgage Stands Today.
Enter a few details about your property and loan to see your current mortgage, rate and estimated equity position — and whether there may be something worth exploring further.
Here's What Your Numbers Say
Your Instant Estimate — based on the details you just entered.
- YOUR RESULTS SHOW REFINANCE POTENTIAL
Your Current Mortgage May Have More Savings And Equity Potential Than You Realise.
Your initial result is only the starting point. Your complimentary Strategy Call goes deeper to see whether refinancing could reduce your loan costs, uncover equity worth exploring, or put you in a stronger lending position.
Potential Savings
See whether your current rate and loan structure leave enough room for refinancing to be worthwhile after costs.
Equity Worth Exploring
Understand the equity you’ve built and whether there may be an opportunity to explore it further.
Better-Fit Expat Lending Options
See how your overseas income and circumstances may be treated across different lenders.
Your Best Next Move
Find out whether it makes more sense to refinance, restructure, explore your equity — or keep your current loan.
30 minutes · Australian expat lending specialist · No documents needed to book
What The Refinance Calculator Checks
01 | YOUR CURRENT RATE
What that rate means on the balance you still owe
A rate difference becomes more meaningful as the outstanding mortgage gets larger. See whether your current rate creates a potential interest difference worth investigating further.
02 | YOUR LOAN BALANCE
How much of the mortgage is still in play
A refinance that barely moves the numbers on a small balance can look very different when hundreds of thousands of dollars are still outstanding. See your existing loan position before deciding whether changing anything is worth the effort.
03 | YOUR PROPERTY EQUITY
What has been building while you’ve been overseas
As the property value and loan balance change, so does your equity. See your estimated equity and current LVR based on the figures you provide.
Free · About 60 seconds · No documents · No obligation
The Expensive Mortgage Isn’t Always The One That Feels Expensive
For most expats, the problem isn’t a mortgage suddenly becoming obviously bad. It is leaving the same loan running for years without knowing whether the numbers still stack up.
THE RATE
A small gap can matter on a large balance.
You don’t need to be dramatically out of line for the difference to become meaningful over time.
THE LOAN
What worked when the mortgage was set up may not be what you’d choose today.
Rates, products, lender policies and your own circumstances can all change while the loan stays exactly where it is.
THE DELAY
Another year of not checking is still a decision.
If your current mortgage is already competitive, that’s useful to know. If there may be something worth improving, finding out earlier gives you more time to investigate it.
Don’t refinance for the sake of refinancing. Find out whether there’s enough in the numbers to justify looking closer.
FAQ
What does the Refinance Calculator show me?
It gives you an indicative snapshot of your current mortgage, rate and property equity based on the figures you enter. It can help identify whether there may be an interest or equity position worth investigating further.
Does the calculator mean I should refinance?
No. Sometimes the current loan is already competitive. Sometimes switching costs or lender criteria mean a refinance does not stack up. The calculator is designed to help you decide whether a deeper review is worthwhile.
Who is this for?
Australian expats who own Australian property, still have a meaningful mortgage balance outstanding and want to know whether their existing loan deserves another look.
Do I need documents?
No. You can start with the best property value, loan balance and rate figures you have available.
What happens after I get my result?
You’ll see an initial result on screen. If your result suggests a closer review may be worthwhile, you may be invited to book a complimentary Strategy Call with ODIN.
Is this credit assistance or financial advice?
No. This is general information only and does not constitute credit assistance, a preliminary assessment or a recommendation under the National Consumer Credit Protection Act. It does not take your personal objectives, financial situation or needs into account.
About 60 seconds · No documents needed · See your initial result immediately
Disclaimer: This content is general information only and not financial, tax, or investment advice. Any references to portfolio values, borrowing capacity, or potential outcomes (including “$3M+ portfolios”) are illustrative only and not guarantees. Results vary based on individual circumstances, market conditions, timing, and decisions made. Seek independent professional advice before making decisions.
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