Buying a home in Australia on a Skilled Work Regional (Subclass 491) visa is absolutely possible with the right lender and strategy. At Auron Finance, we help 491 visa holders secure competitive home loan options tailored to their income, visa conditions, and long-term goals.
Can I Get a Home Loan on a 491 Visa in Australia?
Yes. Many Australian lenders accept Subclass 491 visa holders for home loans. While lending criteria can be more detailed compared to permanent residents, approval is achievable with the right structure and lender selection.
At Auron Finance, we simplify the process and match you with lenders who understand skilled regional visa holders.
Do 491 Visa Holders Pay Higher Interest Rates?
No. A 491 visa does not automatically mean higher interest rates.
If you meet lender requirements, you can access the same competitive interest rates and home loan features as Australian citizens and permanent residents.
How Much Can I Borrow on a 491 Visa?
Your borrowing capacity depends on your income, employment stability, credit history, and lender policy.
In most cases, 491 visa holders can borrow between 70% and 95% of the property value.
Can I Borrow More Than 80%?
Yes, in some cases. Borrowing above 80% (up to 95% LVR) may be available if you have:
- Stable full-time employment in Australia
- Strong credit history and financial profile
- Skilled occupation in demand
- Low overall risk profile
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