Home Loan Partner Visa 820: Get Approved Today
- Fast turnaround time
- Guide you from preapproval to settlement
- Borrow up to 95% of the purchase price
- No cost, no obligation service
Why Choose a Home Loan Partner Visa 820?
Holding a Subclass 820 Partner (Provisional) Visa means you’re on your way to permanent residency in Australia, but securing a mortgage as a temporary visa holder can be challenging. At Professional Home Loans, we make it simple with our home loan partner visa 820 program, designed specifically for partner visa holders. Here’s why our clients choose us:
- Borrow Up to 95% LVR: With our 820 visa home loan, you can borrow up to 95% of the property value, meaning you only need a 5% deposit. For a $600,000 property, that’s just $30,000 upfront—making homeownership more accessible.
- No FIRB Fees: If you purchase a property jointly with an Australian citizen or permanent resident, you can avoid Foreign Investment Review Board (FIRB) fees, which can cost thousands. This benefit applies to most partner visa mortgage applications.
- Competitive Interest Rates: We offer some of Australia’s lowest rates for temporary visa holders in 2025, ensuring your spouse visa home loan is affordable over the long term.
- Flexible Lending Options: Whether you’re buying a family home in Sydney, Melbourne, or Brisbane, or investing in a rental property, we tailor our loans to your unique needs.
Ready to save thousands on your mortgage? Book in for a Strategy Session Today with Professional Home Loans.
What is the Partner 820 Visa?
820 (Temporary) Partner Visa lets the de facto or spouse of an Australian citizen or Permanent Resident live in Australia temporarily. Getting this visa is the first step towards a Permanent Partner Visa (Subclass 801). The difference between the 309 Visa and the Partner 820 Visa is that the 309 is for those who apply outside of Australia. In contrast, the 820 Partner Visa Australia is for those who apply when they are already in Australia.
First Home Buyers: Benefits for Partner Visa 820 Holders
Are you a first-time home buyer on a Subclass 820 Partner Visa? At Professional Home Loans, we understand the challenges you face. Here’s how we support first home buyers:
- Low Deposit Options: With our 95% LVR partner visa mortgage, you can buy your first home with as little as a 5% deposit—perfect for couples starting fresh in Australia.
- First Home Owner Grants: Depending on your state (e.g., Victoria, NSW), you may be eligible for First Home Owner Grants or stamp duty concessions, even as a temporary visa holder. We’ll guide you through the process.
- Expert Guidance: Our team helps you navigate visa-related hurdles, ensuring your spouse visa home loan application is seamless and stress-free.
For more tips and benefits for first-time buyers, visit our dedicated First Home Buyers page and learn how to maximize your home loan opportunities!
What Are The Criteria For Borrowing?
Yes, there are specific requirements for obtaining a 309 Visa home loan to buy a home. These include:
- Buying Together: You must buy property with an Australian citizen. No solo purchases.
- All Relationships Welcome: Married or de facto, including same-sex relationships.
- Real & Continuing Relationships Only: Lenders check how long you’ve been together.
- Ownership Rules: Some lenders prefer ‘joint tenants,’ not ‘tenants in common.’
- Fail to meet these criteria? You’ll be limited to borrowing 80%. Good credit and a steady job help decrease the bank’s risk.
Make sure to meet these criteria. You’ll be limited to borrowing a maximum of 80%. Good credit and a steady job help decrease the bank’s risk.
Mortgage Qualifications for Provisional Spouse Visa
Lenders see you as high risk if your visa isn’t permanent. However, most banks accept home loan spousal partner visas for various spousal visa subclasses.
Can the Bank Consider My Partner's Income?
Yes. Lenders can consider the non-Australian partner’s income. Some lenders have restrictions on applicants where the visa holder earns more. Let’s discuss your case!
What's the Bank's View of Your Relationship?
Banks view stable and long-term relationships positively. Need advice? Contact us!
Do I Need to Pay for Additional Foreigner Stamp Surcharge?
This can vary by state, and special conditions might apply to you. Stay updated with the latest policies, and contact us for tailored information. There are ways to avoid this fee, depending on the ownership structure.
What if your Partner is not on the Spousal/Partner (Subclass 820 visa or 309)?
We can assist you if the temporary visa holder is on any of the following:
For more information on visa-related financial planning, check out resources on MoneySmart.
How to Apply for Your 820 Visa Home Loan
Applying for a home loan partner visa 820 with Professional Home Loans is a straightforward process designed to get you into your new home quickly. Follow these steps to secure your partner visa mortgage:
- Check Your Eligibility: Confirm that you meet the visa and financial criteria outlined above. Gather your visa documentation and financial records to prepare for the application.
- Contact Our Team: Book in for a Free Strategy, no-obligation consultation. We will assess your situation and provide you with the best options.
- Submit Your Documents: Provide proof of your Subclass 820 visa, income details, identification, and any other requested paperwork. We’ll guide you on what’s needed.
- Get Approved and Settle: Once approved, we’ll finalize your loan terms, and you’ll be ready to settle on your new property. Our team supports you every step of the way.
Apply Now and secure your home loan today!
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FAQs – Home Loans for Partner 820 Visa
- Can I buy a house on a Visa 820?
Yes, you can. However, foreign buyer duty may apply if you choose to be on title. This varies from state to state and is 7% or 8% of your property ownership. Keep the title in the name of the Australian citizen or Permanent Resident to avoid this fee.
- Can I get a home loan on a Partner 820 Visa?
Yes, you can. In most cases, your Australian or Permanent Resident partner has to be on the loan. With a Visa 820 Australia, you can borrow up to 95% when you are on loan. Some lenders have income requirements where the temporary visa holder can earn up to an Australian citizen.
- Do you find temporary visa holders or non-residents often need to be informed that they can access home loans?
Most temporary visa holders or non-residents must know the property’s costs. The two additional costs are the FIRB (Foreign Investment Review Board) application fee and foreign buyer surcharge/stamp duty.
Fees for FIRB can be found here.
Foreign Buyer surcharge/stamp duty is state-dependent and is the percentage of the purchase price. It is 8% in Victoria and NSW, and 7% in other states.
There is no stamp duty surcharge for properties in ACT and NT.
- Are there cases in which banks or lenders will limit a person's borrowing capacity due to their visa? By how much typically?
The lenders do not treat or limit a person’s borrowing capacity if they are on a temporary visa. As long as they live and work in Australia, earning AUD, they will be treated the same as an Australian citizen or Permanent Resident.
The banks will limit a person’s borrowing capacity only when they are earning foreign income. They will typically shade their income by 20%. In saying that, some lenders will shade by 10%, whereas others will shade by 40%. It really depends on the lender’s policies.
Their policy will also determine whether Australian tax margins are used or the local tax rate is used. For example, the tax rate in Singapore, UAE, and Switzerland is much lower than in Australia. Some lenders know this and will allow the local tax rate to be used.
- Are there any other factors that often come as a surprise to people purchasing in Australia as an expat or temporary visa holder?
With Temporary Visa Holders in Australia, they will be treated the same as citizens and PR.
For expats, the factors that may come into play are living expenses such as rent. Rentals in some countries, such as Switzerland and HK, are expensive. If the employer does not cover the rent, this usually makes it easier for the client, even if they are on a solid income.
Credit card limits may also impact their borrowing limit. Most expats also have credit cards with very high limits. This is normal for Middle Eastern countries, Singapore and Hong Kong. The credit card limit can majorly impact a client’s borrowing capacity, as the lenders treat the limit as the balance.
- Are there any types of visas that banks tend to view more favourably?
Lenders will lend to those likely to stay in Australia and have a stable income. These include Skilled, Partner and Business/Investment Visa Holders. Our website highlights the common visas that lenders will lend to. In saying that, I have a few lenders that will lend to those with graduate visas or parents overseas who are buying property for their children to live in while they study here.
- What advice would you give a person hoping to take out a home loan for Australian property if they aren't citizens or permanent residents?
The key thing is to know how much deposit they need. As discussed previously, they need extra funds to cover FIRB and Foreign Buyer surcharge. Depending on their visas, the lenders will lend up to 95%. However, in some cases, the maximum loan is at 80%. On top of the fees, they also need a 20% deposit and funds to cover legal fees and incidentals.
- Do some banks view non-citizens or non-residents more favourably than others? If so, please provide a few examples.
The banks do not typically view any non-citizen/residents more favourably than others. They do, however, have certain countries to which they won’t lend. Those mainly consist of politically unstable countries or currently involved in war. The lenders also have a list of currencies that are acceptable to them. This is the way that is more favourable to some countries than others, by accepting their currency when applying for a loan.
- Are there any other misconceptions that you see commonly, or myths you'd like to debunk?
The main misconception is that people who are not Australian or are non-residents are treated differently and pay a higher rate. Temporary visa holders, PR and Australian expats get the same rates as local purchases. The ones that will attract higher rates are non-residents and foreign-income self-employed. This category will fall under the specialty lenders and may have to pay additional risk fees and higher interest rates.
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
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!)
Peter
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
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!
Komal
Michael succeeded where other brokers couldn’t due to my subclass 461 visa. Clear and prompt comms from start to finish and fantastic service.
Thanks Michael 🥳
Alex S
Tom has been absolutely amazing. From day 1 Tom was so clear and honest about everything. We got a land loan and then a construction loan. Tom assisted us all the way through and answered every question we had fast. Tom made the entire process painless and easier than I expected. I was also surprised to get a better interest rate than I expected. Absolutely 10/10. Highly recommend
Michael Harris