Situation
New to Australia
Temporary visa, recently granted permanent residency, or income partly earned overseas.
What changes for you
- Visa subclass determines which lenders can lend and at what loan-to-value ratio
- Foreign income is usually shaded for exchange rate and tax differences
- Purchases by non-residents may require foreign investment approval before contracts
The one that derails this profile most often: Foreign investment rules are federal and separate from lending. Check them before you sign a contract, not after.
Lanes that usually apply
Most likely first. Read the lane page before the first conversation, not after.
First home loan
Your first owner-occupied purchase, where deposit size and government schemes usually decide more than the headline rate.
What decides it ›Investment property loan
Borrowing against a property you intend to rent out, where tax treatment and serviceability buffers behave differently from a home loan.
What decides it ›Refinance
Moving an existing loan to a different lender or a different product, where the switching cost decides whether it was worth it.
What decides it ›Other situations
General information. How Australian lenders generally assess this profile. General information about how Australian lending is organised. Rules, thresholds and eligibility are set by government agencies and change; each lane links to the source so you can check the current position.