| Details | Description |
|---|---|
| Customer | Chandler and Esmeralda |
| Broker | Manish Rana |
| Purpose | Pre-approval to purchase an owner-occupied property in WA |
| Loan Amount | $558,000 |
| Security | Pre-approval (Property price: 745,000) |
| LVR | 75% |
| Interest Rate | 5.29% p.a. Orange Advantage Variable (after pricing) |
| Features | Variable P&I loan Offset account Joint applicants (Temporary Resident + Permanent Resident) One on title, two on loan structure accepted |
| Income | Male Applicant: Mechanical Engineer – Full Time – $90,026.01 p.a. Female Applicant: Architect – Part Time – $39,600 p.a. |
A New Beginning for a Skilled Migrant Couple
Buying a home in Australia for many skilled migrant workers marks the moment when settling in becomes building a future. For Chandler and Esmeralda in Western Australia, that moment came when they decided to purchase their first home.
Chandler worked full-time as a mechanical engineer earning $90,026 a year, while Esmeralda, a part-time architect earning $39,600, contributed to the plan to buy a home around $745,000. They aimed to borrow about $558,000 at 75–80% LVR, but quickly hit a common roadblock for mixed-visa couples.
Chandler was a Permanent Resident. Esmeralda held a Temporary Graduate Visa (Subclass 485). And lender policies varied dramatically. Some wouldn’t assess them jointly. Others wouldn’t consider Esmeralda’s stronger income contribution because of her visa status.
This is the story of how they found the right lender, the right structure, and the right path forward with Home Loan Experts broker Manish Rana.
The Challenges TR/PR Couples Face
Although the couple had strong incomes and excellent genuine savings, their application was considered highly complex by most mainstream lenders. Several obstacles emerged:
- Many lenders don’t accept PR/TR couples applying jointly.
- Few lenders allow TR applicants on the loan but not title.
- TR applicant’s stronger income needed for servicing despite visa status.
- Esmeralda’s short, inconsistent employment history risked income exclusion.
- Previous credit enquiry required a clean, transparent application presentation.
- Servicing needed to rely only on stable, verifiable income sources.
How Manish Built The Approval Path
Manish applied his deep knowledge of lender policy to find a path forward.
His strategy centred around matching the couple to a bank with favourable visa rules and flexible employment assessment criteria.
He first identified the lender who:
- Accepts PR + 485 visa joint applications,
- Allows “one on title, two on loan” structures, and
- Assesses part-time income with supporting evidence.
And to address the inconsistent payslip hours, Manish arranged an employment letter that confirmed Esmeralda’s:
- Minimum monthly hours
- Consistent pay rate
- Ongoing employment status
This gave the lender confidence to include her income while servicing her.
Manish also structured the servicing using the only stable and verifiable income to strengthen the application and also maintain compliance with lender policies.
The couple’s genuine savings comfortably exceeded the required funds to complete. Combined with a 75% LVR and clear surplus servicing, the application was presented as low-risk.
Manish proactively addressed the visa status, title structure, tenure and income stability to ensure the lender received a policy-aligned submission, which reduces the chance of follow-up questions or delays. The lender issued a strong pre-approval, which allowed the couple to confidently begin their property search.
Chandler and Esmeralda were thrilled not only with the approval outcome, but with the clarity and reassurance provided throughout the process. They now feel confident proceeding with their home search in WA and intend to move forward toward full approval once they secure a property.
Struggling To Buy A Home On A PR/TR Visa?
If visa rules, inconsistent policies, or mixed-income assessments are standing in your way, you don’t have to feel uncertain the way Chandler and Esmeralda once did.
With the right lender structure and an expert broker who understands migrant scenarios, homeownership is possible. Our passionate team will do the hard work for you, just as we did for them so you can move forward with clarity and confidence.
Call us on 1300 889 743 or fill out our free online assessment form to get started today!