If you are on the 461 Visa, we can help you with a home loan

Home Loan for 461 Visa Holders

If your intention is to buy a home in Australia with your NZ citizen spouse and you currently hold a NZ Family Relationship subclass 461 visa, Professional Home Loans casn assist you.

What is the subclass 461 Visa?

Subclass 461 Visa is for a person who is not a New Zealand citizen but is a member of a family unit of a New Zealand citizen. With this Visa, you can live, work and study in Australia for 5 years from the date your visa is granted and travel to and from Australia as many times as you want during the 5 year period. Information about the visa can be found here.

Can I get a mortgage on 461 Visa?

Yes, you can get a mortgage on a 461 Visa.

Can I buy the property by myself?

Yes, you can. You do not need to buy with a NZ citizen. However, foreign buyer stamp duty will be applicable. If you are buying with your partner on NZ citizen, we can structure the ownership to avoid paying foreign buyer stamp duty and FIRB fee is not applicable.

What percentage of the total property cost will I be able to borrow?

Although you may have been advised that 80% LVR is the maximum you can borrow on a 461 visa in some cases you may be able to borrow up to 95% of the total purchase price. The key criteria to be approved over 80% are;

– Minimum 1 year left on your visa (there are exceptions to this requirement – contact us for details),

– Good employment history (the general rule is no more than 3 employers in the past 2 years)

– Clean credit free of both credit defaults and multiple credit enquiries

– 5% Genuine savings

Our specialist mortgage advisers have special arrangements with some lenders due to our knowledge and experience working with migrants. This means that we may be able to arrange mortgage finance over the standard 80% LVR even if you have been advised otherwise.

Need Help? Contact Us at 1300 55 44 97!

Our expert team knows lenders who’ll approve your loan on a temporary spouse visa. Reduce the lender’s risk by marrying someone with permanent Australian status, and the banks may lend to you more easily.

Mortgage Qualifications for Provisional Spouse Visa

Lenders see you as high risk if your visa isn’t permanent. However, most banks accept spousal partner visa home loans for various spousal visa subclasses.

Additional Stamp Surcharge for Foreigners?

This can vary by state, and special conditions might apply to you. Stay updated with the latest policies and reach out to us for tailored information. There are ways to avoid this fee depending on the structure of the ownership

What is the next step?

With Professional Home Loans as your trusted mortgage partner, we specialise in navigating the complexities of temporary residency and have established relationships with banks that are open to accommodating your unique situation. We understand the importance of securing the financing you need to achieve your homeownership dreams, and we’re here to guide you through the process every step of the way.

There is no cost for our service and absolutely no obligation.

Contact us online or call 1300 55 44 97 today to learn how we can answer all your questions about getting a home loan on a Temporary Visa!

Free 30-Minute Finance Strategy Session For Professionals

Let us help guide you through the Home loan process.

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After having two other brokers tell us that we had to be in Australia with proof of payslips to buy a house, we had lost hope of buying from NZ before moving over. Thankfully we found Professional Home Loans online! Michael has been amazing from start to finish. His replies to my emails were always prompt and he managed to sort an issue with our paperwork before settlement. We are very grateful for Michael’s hard work. Without it we likely would have given up on our dream of moving to WA as it would have been tricky getting a rental with pets, especially during a rental crisis.

Melanie Downers

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Great service, always attentive and let us know what would happen, how it would work, what was required etc. Tom 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!)


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We had a very complex mortgage transaction to negotiate as we live overseas and did not have the 20% deposit. However, Michael Nguyen from MAP was instrumental in helping us purchase our first home. We would genuinely recommend Michael to anyone looking to purchase a house. Thanks Michael.

Robert Smith

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Working with Michael as our mortgage broker was an absolute pleasure. He was extremely knowledgeable and went above and beyond to make sure we received the best mortgage for our needs. Michael’s communication was exceptional, keeping us informed and updated throughout the entire process. He made what can be a stressful time, a breeze.

With me being on a visa, I was told it was impossible for my partner and I to get a loan. Michael came in and told us he would be able to get our loan approved despite my visa status and safe to say he did not disappoint!

We highly recommend Michael for anyone in need of a mortgage broker. Thank you, Michael!