Find Out If Your Visa Type Is Accepted
Enter your visa below and you’ll get information on whether your visa type will be accepted for a home loan.
Want To Boost Your Chances Of Approval?
You’re more likely to get approved if you:
- Have 12 months or more remaining on your visa.
- Hold a clean credit history.
- Have a 10%–20% deposit saved.
- Can show stable income and employment.
- Have a clear pathway to permanent residency or citizenship.
- Have a FIRB approval.
Note: You can borrow up to 95% of property value if you’re buying together with an Australian citizen.
What You Can Buy As A Non-Resident
As a non-resident or temporary visa holder, you can apply for a home loan (with FIRB approval) to purchase:
- A brand-new dwelling, such as an off-the-plan apartment or a newly built home that’s never been lived in.
- A vacant block of land, with the intention to build a new home within the required timeframe.
You generally can’t buy established homes, unless you’re buying with your Aussie spouse or partner as joint tenants.
What Documents Will I Need?
Most lenders will ask for:
- Your visa and passport.
- Payslips or income proof (Australian or foreign currency).
- Bank statements showing your deposit or genuine savings.
- FIRB approval.
- Credit history.
We’ll guide you through each step and help you prepare a strong, complete application — so nothing slows you down.
Client Success Story
Tanka and Rojina Shakya, a Nepalese couple on a 309 Provisional Partner Visa, dreamed of building their own home in Australia. But their path wasn’t easy. They needed:
- A 95% LVR loan.
- A lender that accepts 309 visa status.
- Monthly LMI payments to ease upfront costs.
- A manual pre-approval process to secure their property confidently.
With other brokers telling them it couldn’t be done, they turned to Home Loan Experts
Despite the tight timeline and complex requirements, we secured them a:
- A $655,500 loan.
- 95% LVR with monthly LMI premium.
- 1-year fixed term at 5.29%.
- Unlimited redraw facility.
- Lender approval with full manual assessment.
Now, Tanka and Rojina are proud owners of their first home, and they’re happily referring friends to the broker who made it happen.
FAQs
Can I get a mortgage in Australia if I’m not a citizen?
Do I need FIRB approval?
Yes, if you’re a foreign citizen (not a PR or NZ citizen), you must get Foreign Investment Review Board (FIRB) approval to purchase residential property.
Can I use overseas income?
Yes. We work with lenders that accept foreign currency income from countries like the USA, UK, Singapore, NZ, Canada, and more.
What additional costs will I incur as a non-resident?
You will have to pay the FIRB approval fee, stamp duty and foreign surcharge costs.
50+ lenders for you to choose from
Our brokers will compare thousands of home loans to find you the best fit.
What Our Customers Say
Home Loan Experts were big supporters and helped us get our land loan, which was not easy, as we didn’t have PR, and few lenders wanted to lend us money. They were knowledgeable, helpful and patient. Customer service was excellent and we will use their services in the future for sure.
I called Pramesh on a whim after seeing an ad on google was he able to think outside the box and find a suitable non-bank lender that would meet my expectations. Pramesh and team were incredibly diligent in keeping me up to date and processing my application as smoothly as possible.
They were able to get me a very good rate even though I was on a temporary visa. Great communication and support throughout the whole home buying process. They did their best to follow up with the lender and liasing with all parties to ensure that settlement went smoothly.
4.9 out of 2,000++ reviews
4.8 out of 430++ reviews
4.8 out of 1000++ reviews
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