Can I buy a home or investment property while on my visa?

Not Sure If Your Visa Allows You to Buy Property in Australia? Here’s What You Need to Know

If you’re working in Australia on a visa and earning a good income, you might be wondering:

Can I buy a home, investment, or commercial property while on my visa?

You’re not alone. Many visa holders are unsure about what their visa conditions allow when it comes to purchasing property — and how to get finance approved.

Common Visas for Skilled Workers and Property Buyers

Here are some of the common visas people hold when looking to buy property in Australia:

• Subclass 482 – Temporary Skill Shortage visa – Temporary skilled worker visa, accepted by many lenders with conditions.
• Subclass 491 – Skilled Work Regional (Provisional) visa – Regional skilled visa, often accepted by lenders on a case-by-case basis.
• Subclass 189 – Skilled Independent visa – Permanent residency; no restrictions on property purchase.
• Subclass 190 – Skilled Nominated visa – Permanent residency; eligible to buy property freely.
• Subclass 186 – Employer Nomination Scheme visa – Permanent visa; no restrictions.
• Subclass 485 – Temporary Graduate visa – Some lenders accept this with stricter requirements.
• Subclass 188 – Business Innovation and Investment visa – Business visa; may be eligible depending on lender policies.

What Visa Holders Need to Know About Buying Property

• Temporary visas like 482, 491, and 485 can be accepted by lenders, but conditions and requirements often vary.
• Permanent visas (189, 190, 186) generally face no restrictions on purchasing property.
• Lenders have different policies on visa holders, so it’s important to work with a broker experienced in these cases.
• Your borrowing capacity depends on income, visa type, deposit size, and other financial factors.

What Kind of Properties Can Visa Holders Buy?

Depending on your visa and financial situation, you may be eligible to purchase:

• Established homes (already built and ready to move in)
• House and land packages (ideal for new builds or first-time investors)
• Commercial properties (like offices, warehouses, or retail units)

Even if you’re on a temporary visa, these opportunities might be available — you just need the right structure and lending strategy.

How I Can Help You as Your Mortgage Broker and Buyers Agent

As both a Mortgage Broker and Buyers Agent, I provide a complete solution tailored to your unique situation:

• Mortgage Broker: I work with a wide range of lenders who understand visa holders’ circumstances, helping you get the best loan options, rates, and approval conditions. I’ll assess your borrowing power, help with pre-approval, and guide you through the finance process from start to finish.
• Buyers Agent: I don’t just help you find finance — I also help you find the right property. Whether it’s an established home, a house and land package, or a commercial investment, I’ll research the market, shortlist properties that suit your goals, and negotiate on your behalf to get the best deal.

Why Wait?

You’ve worked hard to get a good job and live in Australia. Now it’s time to make your money work for you through property ownership.

Not sure if your visa lets you buy? Book a free consultation with me today, and let’s find the best path forward.

📲 Book your free consultation here →

⚠️ Disclaimer:

Visa and lending policies may change. The information above is general only and should not be taken as legal or migration advice. Always check the latest rules or speak with a professional immigration lawyer for advice specific to your situation visa and situation.