Secure finance for Australian property as a temporary resident or an offshore investor. Buy, refinance or release equity with Yard’s specialist non-resident mortgages.
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Temporary visa home loans in Australia are designed for people living and working in Australia on a valid temporary visa. This includes a wide range of visa types such as 482, 491, 485, 500, 820, 309, 428, 400, 407 and bridging visas, along with other skilled, graduate, student, partner and regional visas. These applicants typically earn Australian income and require finance for an owner-occupied or investment property. Non-resident mortgages in Australia apply to foreign nationals who live overseas, earn foreign income and wish to purchase property in Australia, usually for investment purposes. Foreign investors must obtain approval from the Foreign Investment Review Board (FIRB), and Yard can guide applicants through this requirement. Whether you are a temporary resident earning income in Australia or a non-resident investor earning foreign income, Yard provides lending solutions that accommodate different financial structures, currency considerations and documentation requirements.
Visa requirements: You must hold a valid Australian temporary visa with sufficient time remaining. Eligibility varies by visa subclass.
Property: Australian property is classified as new or established. Most temporary residents can buy new or off-the-plan properties, while access to established dwellings varies based on foreign investment requirements.
Employment and income: Yard accepts salaried and self-employed income, assessed through payslips, tax documents, business financials or accountant letters.
Documentation: You will need your passport, visa grant notice, proof of income, bank statements and NAATI translations for any non-English documents.
Financial position: A minimum 20% deposit is generally required, with up to 80% LVR available for eligible borrowers. Borrowing capacity is based on your income, existing commitments and ability to meet repayments.
Residency status: Applicants must be foreign nationals living permanently outside Australia. Non-resident mortgages are typically for offshore investors.
Property: Foreign investment rules apply to non-residents. Buyers may be eligible to purchase new dwellings, while eligibility for established properties is subject to government regulation at the time.
Employment and income: Yard accepts salaried or self-employed foreign income, verified through payslips, contracts, tax returns or accountant-prepared financials.
Documentation: Required documents include your passport, foreign income evidence, bank statements, an overseas credit report and translations where needed.
Financial position: A minimum 20% deposit is generally required, and applicants must demonstrate sufficient borrowing capacity to meet repayments in AUD, taking into account income stability and potential exchange-rate movements.
We assess Australian and foreign income, including financial statements and accountant letters for self-employed borrowers.
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Our team understands visa requirements, foreign income verification, and FIRB processes. We can help identify the most suitable solution for your situation.
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Purchase, refinance, debt consolidation, or equity release for temporary visa holders and non-residents.
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We perform individual assessment on each application to consider your specific circumstances on a case-by-case basis.
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Understand the key advantages and considerations when securing a home loan as a temporary visa holder or non-resident.
Pros
Build property ownership and long-term financial stability by entering the Australian market rather than relying solely on renting.
Add diversity to your investment portfolio by including Australian property alongside other assets you may hold.
Access a mature and well-regulated housing market, which offers established protections and transparent lending processes for borrowers.
Cons
Additional documentation may be required, including foreign income evidence, visa verification and self-employed financials.
Translation, currency conversion and overseas credit reports can extend assessment and processing timelines.
Higher deposit requirements or lower LVRs may apply depending on visa subclass, income type and property location.
Documentation requirements vary depending on whether you are a temporary visa holder or non-resident, and your employment type. Here is a handy checklist to help you prepare.
ID documents: Passport, visa grant, one extra photo ID, and a personal credit report.
For salaried applicants: Employment letter/contract, 3 months of payslips and bank statements showing salary.
For self-employed applicants: 6 months of income statements, 2 years of tax documents, and evidence you own the business.
Supporting documents: FIRB approval, contract of sale and evidence of deposit for property purchases, home loan statements for loan refinance, etc.
Our team will provide tailored guidance on the documents required for your circumstances and support you through each step of the process.
Flexible solutions to help with your owner-occupied or investment property purchase.
Refinance an existing mortgage in Australia to access new features, competitive rates, or restructure an existing loan facility.
Combine existing debts such as personal loans, business borrowings, or other credit facilities into one repayment.
Fund renovations, extensions or upgrades to improve your property’s value or prepare it for long-term or short-stay rental.
Apply online with our easy online home loan application. A dedicated Loan Consultant will give you a call to discuss your home loan requirements and help find the best solution for you.
We verify your information by receiving some supporting documentation.
Our credit team reviews your information and makes an assessment on your application.
Our solicitors send you the loan contract via email. When it is time for settlement, our solicitors will work with your solicitor (for a purchase) or current lender (for a refinance) to settle your home loan.
FIRB approval generally takes around 30 days from the date the application is submitted. Timeframes may be longer during peak periods or if additional information is required. Approval must be granted before property settlement.
Yes. Holders of the 491 Skilled Work Regional Provisional visa can purchase property in Australia and obtain a regional visa home loan. Some purchases may need to align with regional requirements, and FIRB approval may apply depending on the property type. Yard can assess 491 visa home loan applications with lending up to 80% LVR, subject to visa validity, income stability and overall borrowing capacity. All applications with Yard are assessed individually rather than through automated credit scoring.
Yes. 482 Temporary Skill Shortage visa holders can buy property and may be eligible for a home loan in Australia. FIRB approval may be required depending on the property being purchased. Yard assesses 482 visa home loan applications up to 80% LVR and reviews employment contracts, income stability and minimum remaining visa validity. Each application is evaluated on its individual merits.
We work with temporary visa holders and non-residents from many countries, including but not limited to: Brazil, Brunei, Canada, China, France, Germany, Hong Kong, India, Indonesia, Japan, Macau, Malaysia, Mexico, New Zealand, Philippines, Qatar, Saudi Arabia, Singapore, South Africa, South Korea, Switzerland, Taiwan, Thailand, United Kingdom, United Arab Emirates, United States, and Vietnam.
If your country of origin is not listed above, please do not hesitate to contact us to discuss your eligibility. Each application is assessed individually, and we may be able to provide lending solutions based on your specific circumstances.
Yard specialises in temporary resident home loans and non-resident home loans. We assess applications from temporary visa holders across multiple visa categories, including 482 visa home loans (Temporary Skill Shortage), 491 visa home loans (Skilled Work Regional), 485 visa home loans (Temporary Graduate Visa), 500 visa home loans (Student visa), 820/309 visa home loans (Partners visa), 428 visa home loans (Skilled Employer Sponsored Regional), 400 and 407 visa home loans (Temporary Work and Training), 188 visa home loans (Business Innovation & Investment), and home loans for bridging visa holders.
If your visa type is not listed, we encourage you to enquire, as each application is assessed individually.
Yes. While most major banks have strict criteria, Yard specialises in temporary resident home loans and non-resident mortgages. As a non-bank lender, we can assess a broader range of income types, including foreign income, mixed income sources and self-employed earnings from overseas. We provide flexible documentation options and dedicated support from application through to settlement.
New loan inquiries: hello@yard.com.au
Service requests: help@yard.com.au
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