Fast Home Loan Approval For Spouse / Partner Visa Holders
- For spouse, partner or de facto visa holders
- We approve when others said “no”
- Borrow up to 95% of the purchase price
- Competitive interest rates
- No cost, no obligation service
This page is for those temporary residents that would like to purchase a home in Australia with their Australian permanent resident / citizen partner or spouse, spouse referring to either married or defacto.
MAP is often contacted by these borrowers after they have been advised by their bank or mortgage broker that the maximum LVR available is 80% due to the lenders mortgage insurer requirements.
It is however possible for temporary residents to borrow up to 95% of the purchase price so only a 5% deposit is required providing one of the borrowers is an Australian permanent resident or citizen. The key to getting your home loan approved is applying to the right bank that will accept your visa and status as a temporary resident. This is where MAP can help.
Generally the temporary resident partner would be on a Temporary Spouse Visa Subclass 309 or 820. However, the particular visa the temporary resident partner is on is largely irrelevant to some lenders providing the home loan and property is to be purchased in joint names. The non-resident partner / spouse could therefore be on a 3-4 year working visa such as a 457 or 485 visa or perhaps are on a Bridging Visa A or B.
Temporary residents purchasing with an Australian permanent resident or citizen will need to demonstrate the following:
There is more general information pertaining to Temporary Resident Home Loans HERE.
MAP specialise in Temporary Resident Spouse Home Loans and assist hundreds of Temporary Residents every year to arrange home loan finance. If you would like to know more about buying a home and arranging a home loan when you are purchasing with your Australian permanent resident or citizen partner or spouse CONTACT MAP for a no obgliation consultation to see if we can help you.
This is a short presentation by Craig Vaughan of MAP Home Loans on arranging a home loan to purchase property in Australia whilst on a temporary resident visa or as a non resident. The video covers the deposit requirements and eligibility requirements to arrange mortgage approval as well as briefly covering the steps involved in purchasing a home or investment property in Australia.
KellieI can not rate Craig highly enough! Not only the prompt and positive service we received but also Craig’s empathetic and positive nature made our transaction an absolute pleasure!
After waiting almost 5 months for another mortgage broker to unsuccessfully process our home loan, my husband and I had almost given up on buying our own property in Australia while he was on a 820 visa.
We contacted map on a referral from a work colleague and we were so surprised how easy it was!
Craig was fantastic throughout the whole process, always kept us up to date regarding all aspects of our loan and gave great advice.
Craig’s dedication to his job/clients seems to me, to be unsurpassed. Craig also organised our FHOG, while this was underway, I received constant updates on the progress of application, so we were never worried our settlement wouldn’t go smoothly.
I can not give Craig high enough praise!
He has made our first home ownership not only a possibility, but a breeze! I would recommend him with out any doubt!
Thanks again Craig, we will be forever appreactive!
Kellie & Naas
Request an exploratory chat about your options and how to secure fast home loan approval, at a competitive rate – even if you don’t have a 20% deposit.
PeterGreat service, always attentive and let us know what would happen, how it would work, what was required etc. Craig goes the extra mile and is always available on the phone or email at anytime to explain things. Phenomenal Service. You won’t get better (Although first house purchase in Australia, this is my 4th house purchase and the best service yet by far!).
Chloe and Ben P.A and Chef from Auckland New Zealand on a 461 Visa, Bought a New Home in Brisbane QLDCraig – you always answered my emails and phone messages very quickly (even at 11pm or when you were overseas)! Although we never met in person we developed a great broker/borrower relationship through correspondence. You went over and above our expectation as a broker – especially when things were taking a long time or other people were making mistakes. You continued to keep us updated on the progress of our loan and I never had to follow you up on anything. You had great attention to detail you were never pushy and I felt like you were always honest with us. I would definitely recommend you to all my friends and family. Thank you so much for helping us buy our first home. We will contact you again when we are ready for the next one! Cheers Chloe Ben
AnthonyBeing In the Navy and away from home a lot I found it hard to find time to sought my loan out with the bank but working with Craig I found the process really easy and in the future when it’s time to go for another loan I will being looking up craig again to use his expertise.
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