Do you have your Tax ID Number ready?

Whether you’re a foreign citizen or an Australian living abroad (Australian expat), you’ll now be required to provide your Tax Identification Number (TIN) when applying for a mortgage in Australia.

Where do I find my tax file number?

This table will help you to find your Tax ID Number:

Country Taxpayer Identification Numbers (TIN) TIN Format Where to find it
Canada Social Insurance Number (SIN) 999 999 999 (9 characters) Tax Returns and Assessments
China China ID Number 99999999999999999(X/9) – (18 character) ID Card
Denmark CPR Number 999999-9999 (10 character) Passport or Health Insurance Card
Finland Finish Social Security Number (sosiaaliturvatunnus (SOTU)) 999999(+/-/A)999(A/9) (11 characters) Passport, ID Card or Driving Licence
France Numéro Fiscal de Référence (Numéro SPI) 99 99 999 999 999 (13 characters) Prefilled Tax Returns or Tax Assessments
Germany Tax Identification Number (Identifikationsnummer) 99999999999 (11 characters) Tax Assessment or ID Number letter
Greece CPR Number 999999999 (9 characters) Tax Completeness Status Document, Tax Refund Status Document or Certificate of issued TIN
Hong Kong HK ID Number A9999999(9/A) (8 characters) ID Card
India Permanent Account Number (PAN) AAAAA9999A (10 characters) PAN Card or PAN Allotment Letter
Ireland Personal Public Service Number (PPSN) 9999999(A/AA) (9/9 characters) Tax Returns
Italy Tax Identification Number (Codice Fiscale) AAAAAA99A99A999A (16 characters) Health Card or TIN card
Japan Social Security and Tax Number (Individual Number/My Number) 999999999999 (12 characters) Notification Card or Individual Number Card
Korea Resident Registration Number 999999-9999999 (13 characters) Resident Registration Card or Passport
Malaysia Tax Reference Number (Nombor Rujukan Cukai) 9999999999 (10 characters) Tax Returns or Online Portal (e-Daftar)
Malta Identity Card Number 9999999(A/99) (8/9) characters) Passport or ID Card
Netherlands ID Number 999999999 (9 characters) Passport, ID Card or Driving Licence
New Zealand IRD Number 9999999(9/99) (8/9 characters) Tax Returns and Assessments or Letter of Notification
Singapore National Registration Identification Card Number (NRIC) or Foreign Identification Number (FIN) A9999999A (9 characters) ID Card
South Africa Tax Identification Number 9999/999/999 (10 characters) Tax Returns and Assessments
Spain National Identity Card Number (DNI) or Foreigners’ Identification Number (NIE) (9/A)9999999A (9 characters) ID Card or Foreigners’ Resident Card
Sweden Personal Identity Number (personnummer) or Co-ordinaton Number (samordningsnummer) 999999(+/-)9999 (11 characters) Passport, ID Card or Diving Licence
Switzerland Old-age and Survivors’ Insurance Number (AHV-Versichertennummer)) 999.9999.9999.99 (13 digits) AHV Card or Health Insurance Card
Taiwan National Identification Number/Uniform ID Number A999999999 (10 characters) AA99999999 ID Card, Taiwan Area Resident Certificate or Alien Resident Certificate
Thailand Tax Identification Number or Thai National Identification Number 9 9999 99999 99 9 (13 characters) Thai National ID card, Tax Registration Notification or Tax Returns
United Kingdom National Insurance Number (NINO) or Unique Taxpayer Reference (UTR) NINO: AA999999A (9 characters)
UTR: 9999999999 (10 characters)
HMRC Notices, Tax Returns or UK Payslips (P60)
United States Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) SSN: 999-99-9999 (9 characters)
ITINL: 999-99-9999 (9 characters)
Tax Returns, Tax Forms or Social Security Card
Vietnam Tax Code (Mã Sṍ Thuḗ) 9999999999 (10 characters) Tax Registration Certificate, Personal Tax Code Card, Tax Returns or Tax Notices

Why do I need to provide my TIN?

The TIN requirement was introduced under the Common Reporting Standard (CRS) which came into effect on 1 July 2017.

The CRS is the international standard for the collection, reporting and exchange of financial account information on foreign tax residents.

What will my Tax ID Number be used for?

This information is reported to the Australian Taxation Office (ATO) who share this with the relevant foreign tax authorities who have signed onto the CRS.

In exchange, the ATO receives information on Australians living abroad (Australian expats) in another tax authority.

The scheme is designed to ensure non-residents with financial accounts, including a mortgage, are complying with the rules of their overseas tax authority.

The same is true for Australian expats with financial accounts in other countries.

Will it affect you qualifying for a home loan?

We don’t believe the CRS scheme will impact the way banks assess your mortgage application.

Do you need a non-resident mortgage?

Are you an Aussie expat or a foreign citizen?

We can help you qualify for a mortgage to buy property in Australia.

Lending rules have become stricter for non-resident borrowers so speak with a specialist today.

Call us on 1300 889 743 or complete our free assessment form.

  • aylyn guirguis

    Hi, my husband and i have just submitted spouse visa for 820. He is currently on a bridging visa a and i am a citizen. we don’t want to waste money on rent and have a deposit for the home loan. Unfortunately banks wont lend us until his permanent and i am currently not working only him full time. we haoping to get a house togwther in both names

  • Hi Aylyn,
    Normally we can assist for an Australian citizen and a bridging visa holder applying together. However where the income is with the bridging visa holder this can be a concern for some of our lenders.
    What % of the property value are you planning to borrow?
    If you have children together and he has lived in Australia for some time then this can also assist to show that although the main income is from a temporary resident that he is committed to remain in Australia.

  • aylyn guirguis

    hi,

    We have 2 step children together who live with us. My ex husband isn’t in the picture at all from day one so he’s financially supporting the 3 of us, he has lived in Australia for over 2 years now. We want a home for $300,000

  • Hi Aylyn,
    I’d say that for a loan of 80% of the property value you would likely be eligible. For a loan of over 80% and up to 95% it would be case by case. The main issue is that your husband is the main income earner, whereas if you were the main income earner this wouldn’t be a problem. If we were to submit an application for you we’d need additional documents to build a strong case.

  • aylyn guirguis

    Hi,

    That’s good I just wanted to know if it would be possible even though I’m not working, although I was expecting it to be hard ofcourse for our situation.