Home Loans for Temporary Visa Holders
WRA Mortgage Brokers helps temporary visa holders across Australia get a home loan — with lenders that accept skilled, employer-sponsored and graduate visas. We confirm lender eligibility for your visa subclass up front so you know where you stand.
Frequently Asked Questions
Can a temporary visa holder get a home loan in Australia?
Yes. A number of lenders will lend to temporary visa holders, including skilled, employer-sponsored and regional visa holders. Permanent residency is not always required. Lender policy and deposit requirements differ by visa type, so WRA confirms eligibility up front.
Which visas are generally accepted?
Lenders commonly lend to holders of skilled (189/190/491), employer-sponsored (482/494/186) and graduate (485) visas, among others. Tourist and student visas have limited options. WRA checks your specific visa subclass against lender policy.
What deposit do I need on a temporary visa?
Deposit requirements vary by visa and lender. Non-residents are often asked for 20% or more, but some lenders offer lower deposits for strong-income applicants with stable employment. A permanent-resident spouse or partner can also improve the available options.
Do temporary residents need FIRB approval to buy?
Temporary residents buying established (existing) dwellings generally need Foreign Investment Review Board (FIRB) approval and usually must sell when they leave. New dwellings and vacant land have different rules. WRA advises confirming FIRB requirements for your situation.
Can I buy a home with a permanent-resident spouse?
Yes. Buying jointly with an Australian citizen or permanent resident can broaden lender options and may reduce the deposit required. FIRB approval is generally not needed when buying jointly with an Australian citizen. WRA structures the application to suit.
Can I refinance on a temporary visa?
Yes. Existing loans can be refinanced while on a temporary visa, subject to the new lender's policy and current visa status. WRA compares your current loan against lenders that accept your visa type.
Can I keep the property if I leave Australia?
Generally yes — you can keep an investment property you already own, though FIRB conditions for existing dwellings may require sale on departure. Tax and residency implications apply, so WRA recommends confirming with your accountant.
What documents do temporary visa holders need?
Typically: your visa and passport, employment and income evidence, Australian bank statements, and ID. Some lenders require a longer employment history. WRA confirms the exact list for your chosen lender.
Information on this page is general in nature. Lender policies, eligibility criteria, rates and lending limits can change. WRA will confirm applicable lender requirements based on your individual circumstances before making any recommendation.
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