Dreaming of owning a home in Melbourne while on a temporary visa? At Ingenious Finance, we make it possible. As Melbourne’s trusted mortgage professionals, we specialize in helping temporary visa holders navigate the home loan process with confidence, clarity, and success.
Can You Get a Home Loan on a Temporary Visa in Melbourne?
Yes, you can! Many lenders in Australia offer home loan options to temporary residents, but finding the right one requires expertise. With Ingenious Finance by your side, securing a temporary visa home loan in Melbourne becomes simple and stress-free. Whether you’re on a 482, 485, 491, or 457 visa, we help you access loan products that suit your unique visa status, income, and goals.
Why Choose Ingenious Finance for Temporary Visa Home Loans in Melbourne?
As a leading mortgage brokerage in Melbourne, we’ve helped numerous temporary visa holders become proud homeowners. Here’s why our clients trust us:
✅ Visa-Specific Lending Expertise
We understand the complexities of temporary residency. Our team matches you with lenders who are open to your visa type, ensuring higher approval chances.
✅ 30+ Lender Network
With access to major banks and specialized lenders, we compare a wide range of home loan products to find the most competitive rates and lowest fees for your profile.
✅ Personalized Support
We take the time to understand your situation—visa conditions, deposit size, income sources—and build a loan strategy that works for your future in Australia.
✅ End-to-End Service
From loan pre-approval to settlement, we handle all the paperwork, communicate with lenders, and keep you informed every step of the way.
Who Is Eligible for a Temporary Visa Home Loan?
If you’re living in Melbourne on a temporary visa, you may qualify for a home loan if you meet basic criteria such as:
- Being on a valid temporary visa (subclass 482, 491, 485, 457, etc.)
- Having stable employment and income in Australia
- Having a minimum 10%–20% deposit
- Clear credit history in Australia or your home country
We offer tailored solutions for:
- Skilled migrants on 482/491 visas
- Postgraduate visa holders (485)
- Sponsored employees on 457 or 403 visas
- New Zealand citizens living in Australia
- Bridging visa holders with pending permanent residency
Loan Features You Can Expect
At Ingenious Finance, we make sure your temporary visa home loan in Melbourne comes with:
- Competitive fixed and variable interest rates
- Flexible repayment terms
- Offset accounts and redraw facilities
- Guidance on FIRB (Foreign Investment Review Board) if applicable
- Minimal paperwork and fast processing
FIRB Approval – Do You Need It?
If you’re not a permanent resident or citizen, you may need FIRB approval before purchasing a property in Australia. Don’t worry—we help you understand whether it’s required and assist you with the entire FIRB application process if necessary.
Why Melbourne Temporary Visa Holders Trust Ingenious Finance
💼 Deep expertise in migrant lending
🏡 Proven record of approvals for visa-based applicants
📈 Strong lender relationships for better terms
📝 Hassle-free application and documentation process
🌍 Multilingual support available
Let’s Get You Home – Even on a Temporary Visa
Owning a home in Melbourne while on a temporary visa is not just a dream—it’s achievable with the right guidance. At Ingenious Finance, we take pride in helping migrants and expats secure their place in Australia’s property market.
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