Buying a home in Australia while on a skilled visa is absolutely possible. With the right guidance, you can secure a home loan and move forward with confidence. At Auron Finance, we specialise in helping skilled visa holders understand their borrowing capacity and connect with lenders who understand their situation. We simplify the process so you can focus on finding your property, while we handle the finance strategy.
Call us: 0415 998 609
Can You Buy Property on a 180 / 190 Visa?
Yes. If you are holding a Subclass 180 or 190 visa, you are generally eligible to purchase property in Australia and apply for a home loan. While the process is more detailed compared to permanent residents, it is very achievable with the right lender and structure. We have helped many skilled migrants successfully secure finance and purchase homes across Australia.
How Much Can You Borrow?
Your borrowing capacity depends on your income, occupation, visa type, and financial profile. In many cases, eligible visa holders may borrow up to 95% of the property value, depending on lender policy.
- Employer Nomination Scheme (Subclass 186)
- Skilled Independent Visa (Subclass 189)
- Skilled Nominated Visa (Subclass 190)
Lenders may assess your occupation using government lists such as the Skilled Occupation List (SOL) and CSOL. If you are unsure whether your job qualifies, we can quickly assess your situation for you.
Can I Get the Same Interest Rates as Australian Citizens?
Yes, in many cases, you can access the same interest rates and loan features as Australian citizens. Your visa status alone does not determine your interest rate. Your income stability, credit profile, and overall financial strength are the key factors.
What If I Am a Temporary Resident?
Your home loan approval will depend on the following:
- Visa type and remaining duration
- Employment and income stability
- Credit history and financial behaviour
- Overall borrowing profile
If you are married to or in a relationship with an Australian citizen or permanent resident, your borrowing power may improve further in some cases. At Auron Finance, we assess your full situation and structure your loan to improve approval chances.
Not Sure If You Qualify?
Many skilled professionals are eligible for home loans, but lender requirements can vary. We help you make the process simple and clear.
- Check your occupation eligibility
- Understand lender policies
- Find suitable loan options
- Maximise borrowing capacity
- Improve approval chances
Book a Free Home Loan Strategy Session
If you are planning to buy a property in Australia on a Subclass 180 / 190 visa, we are here to guide you every step of the way.
- How much you can borrow
- Deposit requirements
- Best lender options for your situation
- Full step-by-step home buying process
Call us today: 0415 998 609
Or complete our online enquiry form to get started with a free consultation.