Usually you require a deposit of 20% of the purchase price of your Australian property when borrowing in Australian dollars, plus any transfer and settlement costs in order to satisfy the bank lending requirements.
If you are an Australian citizen you may be able to purchase with a lower deposit of between 5% and 15% of the acquisition price of the property if you qualify for mortgage insurance.
There would be additional fees involved in this so typically you may require another 2-5% of the purchase value to cover these. Some banks are willing to add these fees to the loan, however in all cases the bank would want to establish a good savings history to confirm your capacity to afford the loan.
If you have any other Australian property, or are willing to put some cash deposits up as additional security, it is possible to increase your lending on your new acquisition as the banks are willing to lend 80% of the total value of all property, including existing holdings and the new acquisition.
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