The 191 Visa (Skilled Regional) is a permanent residency option for individuals who have lived and worked in designated regional areas of Australia.
Suppose you’re looking for clear details on how to transition from a regional provisional visa to permanent residency. In that case, this guide has everything you need to know about the 191 visa in Australia.
This visa can boost your chances of home loan approval, as lenders generally favour applicants with permanent residency.
Read more to discover how to meet the criteria and take the next step toward living permanently in Australia!
What is a 191 Visa?

The 191 visa is a permanent residency visa for individuals who have lived, worked, and met income requirements in designated regional areas of Australia for at least three years.
Unlike the 190 visa, a skilled nominated visa requiring state or territory sponsorship, the 191 visa is granted based on compliance with conditions of a prior regional provisional visa, such as the subclass 491 visa.
Requirements For a Subclass 191

The Skilled Regional 191 visa provides a pathway to permanently live and work in Australia, allowing skilled workers to continue contributing to regional areas.
- Hold an Eligible Visa: Applicants must have held a Subclass 491 or 494 visa for at least three years, an essential eligibility requirement.
- Meet Income Requirements: Earn a taxable income of at least $53,900 annually for three consecutive years while holding an eligible visa.
- Live and Work in Regional Areas: You can reside and work in designated regional areas of Australia for the required period without breaching visa conditions.
- Health and Character Standards: Fulfil health and character requirements set by the immigration authorities.
Contact a registered migration expert for assistance with your application or to ensure you meet all requirements.
Benefits of the SC 191 Visa

The Skilled Regional 191 visa offers promising benefits for those seeking permanent residency in Australia. With this visa, you’ll get these benefits:
- You can live and work in Australia permanently.
- This visa allows access to public healthcare through Medicare.
- Holders can sponsor eligible family members so they can join you in Australia.
- It creates a pathway to Australian citizenship after meeting additional requirements.
- You can travel freely in and out of Australia for up to five years.
- Studying at any level, including higher education, is an option for visa holders.
- Once approved, there are no regional restrictions, giving you the flexibility to live anywhere in Australia.
191 Visa Processing Time

The processing time regarding the Skilled Regional Visa or Subclass 191 Visa depends on individual circumstances. It is processed on a case-by-case basis.
The government may require additional checks during the assessment process. For the most accurate advice, consider consulting experienced migration agents.
In addition, processing times can change, so stay updated through official channels.
Home Loan Eligibility for 191 Visa Holders
As a Subclass 191 visa holder, you have a significant advantage when applying for home loans in Australia. Your permanent residency status exempts you from Foreign Investment Review Board (FIRB) approval and the Foreign Buyer Surcharge. This will save you time and money.
Here are the key benefits for 191 visa holders:
- No FIRB or Surcharges: Avoid additional fees and approval delays.
- Favourable Loan Terms: Access competitive rates and higher borrowing limits.
- Wider Lender Options: Choose from more lenders and loan products.
Frequently Asked Questions
Can I apply for citizenship after a 191 visa?
Yes, you can apply for Australian citizenship once you meet the residency and comply with the conditions.
What is the difference between the SC 190 and SC 191 visas?
While the SC 190 is a state-nominated visa, the SC 191 requires fulfilling regional work and residency criteria.
Does the SC 191 visa have an age limit?
No, the SC 191 visa has no age limit, making it accessible to eligible applicants of all ages.
Conclusion
In conclusion, the 191 visa offers a clear pathway to permanent residency, providing freedom to live and work in Australia permanently. This visa secures your future and boosts your chances of home loan approval, as lenders prefer permanent residents.
If you’re a 191 visa holder considering home financing, Professional Home Loans can guide you with tailored solutions to meet your needs. Ready to take the next step? Contact us today to Take advantage of a Free 30-minute Finance Strategy Session for Professionals!