Should migrants and visa holders in Australia use a mortgage broker or apply directly to a bank? The answer is almost always the same — and for very practical reasons. Here's the full breakdown.
Your borrowing power as a visa holder in Australia depends on more than just income. This guide explains exactly how lenders calculate it, what reduces it, and how to maximise what you can borrow.
FIRB approval in Australia typically takes 30 days, but delays are common. Here is what affects processing time, what the application involves, and how to avoid the mistakes that slow things down.
Refinancing your home loan in Australia can save thousands — but for migrants and visa holders, the process has specific considerations. Here's when refinancing makes sense, how to do it, and what changes if you've recently received PR.
The Australian Home Guarantee Scheme lets eligible buyers purchase with just 5% deposit. But can visa holders apply? This guide explains who qualifies, which streams are open to migrants, and what the alternatives are.
Getting PR in Australia changes almost everything about your home loan options. This guide explains exactly what opens up when you become a permanent resident — and what to do first.
A guarantor can help you buy with a smaller deposit and avoid LMI. But for migrants, the guarantor arrangement has specific nuances. Here's how it works, who can be a guarantor, and what risks are involved.
Australia's two-year ban on foreign purchases of established homes (April 2025–March 2027) explained: who is affected, what you can still buy, FIRB rules, and what it means for migrants on temporary visas.
Buying property jointly with someone who has a different visa status — citizen, PR or temporary visa — changes your loan options, LVR limits and stamp duty exposure significantly. Here's how it works.
Can you get a home loan on a 482 visa in Australia? Yes — but lender rules vary significantly. This guide covers borrowing limits, FIRB requirements, which lenders accept TSS visa holders, and how to maximise your chances of approval.
The $5M complying investment mix, the 2024 rule changes, and the pathway to 888.
Joint finances, joint household, joint social recognition, joint commitment - the four limbs and what evidence satisfies each.
The Australian property market in 2026 — where prices are heading, which cities offer value, what the RBA rate cuts mean for buyers, and how migrants can position themselves. Updated May 2026.
The 188A holder is temporary, self-employed and often without two years of Australian tax returns. Which lenders can still price it.
Buying your first home in Australia as a migrant involves specific grants, concessions, and restrictions depending on your visa status. This complete guide covers everything: FHOG, HGS, stamp duty concessions, and step-by-step process.
No Australian credit history? Bad marks from multiple applications? Here's everything migrants need to know about Australian credit scores, how to build credit, and what lenders actually look at when you apply for a home loan.
Both the 189 and 190 visas grant Permanent Residency in Australia, but they differ in how you get them and what residency obligations come with them. Here's what each means for buying property.
Which occupations are being invited, at what points test score, and how often.
Australian citizen: 95%. PR: 95%. 186/482/485: 80%. Non-resident: 70%. The practical effect on your budget.
5-year temporary visa with PR pathway via 191. The employer obligations and the regional definition.
Temporary skilled visa holders can still borrow - LVR capped at 70-80% and income shaded by some lenders. Who treats them best.
Every state has its own list, threshold, English requirement and commitment period. How to sequence your applications.
Regional definition, pathway to PR via 191, and how the lower points threshold changes the value proposition.
Which stream applies depends on your current visa. Timelines, evidence and the 2023 age-cap carve-outs.