The Apply Online validation errors are set up by the Lenders. Some Lenders wont accept an overseas address or phone number anywhere within the application, which is a restriction they have put in place. Some Lenders will require an address or number, even for a pre-approval.

If your overseas address won't validate, simply enter Australia as the country, (you might also need to enter an Australian suburb/post code) and clarify the actual address in your notes.

Some lenders will have full validation on address fields. In these cases you will need to enter a complete and verified Australian address in order to clear the validation message.

Some lenders may have validation linked to fields in the Employer or Company sections such as ABN which will not exist for an overseas based Employer. In order to clear the validation rule you may have to enter dummy data and then add a summary note explanation for the lender.