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Home Loans for Visa Holders
Home Loans for Visa Holders: what it costs, how it works, and who it is not for. Every figure carries the source it came from and the date it was read
Can you buy on your visa?
Home Loans for Visa Holders is set by each lender's own credit policy, and the policies differ more than the marketing does. Money Brain has not yet published a lender-by-lender position on this, so this page explains the mechanism and names nothing it cannot source. What is here was read at source and dated.
How current is this page?
Every figure on this page carries the source it came from and the date it was read. Where a lender-by-lender position has not been read at source, the page says so rather than repeating something from memory. Lender policy changes quietly and often.
What decides your answer
Can you buy on your visa?
Can you buy on your visa is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Every subclass, and what each can do
Every subclass, and what each can do is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Temporary, permanent, or applying
Temporary, permanent, or applying is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
What decides your answer
Do you need FIRB approval?
Do you need FIRB approval is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
What FIRB costs and how long it takes
What FIRB costs and how long it takes is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
New build, established, or vacant land
New build, established, or vacant land is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
What decides your answer
How lenders treat temporary-visa income
How lenders treat temporary-visa income is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
If your visa expires during the loan term
If your visa expires during the loan term is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Foreign income and foreign currency
Foreign income and foreign currency is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
What decides your answer
One partner on a visa, one a citizen
One partner on a visa, one a citizen is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Which lenders take which visas, and to what LVR
Which lenders take which visas, and to what LVR is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Deposit requirements by visa type
Deposit requirements by visa type is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Questions
Which lenders take which visas, and to what LVR depends on the lender's own policy and on your numbers. Money Brain does not publish a lender position it has not read at source, so the honest answer here is the mechanism rather than a name — and the call gives you the name.
Sources and check dates
Every claim on this page carries the document it came from and the date Money Brain read it. Where no document has been read, the page says so rather than stating a position.
Who wrote this page
Darren Parker, Credit Representative 501592, authorised under Australian Credit Licence 389328. Every figure here was read at source and dated. If a lender's position has changed since the date shown, tell him and it is corrected.
See where you stand before you decide anything
Updated 13 September 2026