Get Approved for a Home Loan in Melbourne While on a Temporary Visa – With Help from Ingenious Finance

Buying a home in Australia while on a temporary visa? It’s possible—with the right support. At Ingenious Finance, we specialise in helping non-residents, foreign nationals, and temporary visa holders secure home loans in Melbourne with confidence.

Whether you’re on a subclass 482, 491, 485, 457, or student visa, we guide you through the lending process and connect you with lenders that are open to non-resident borrowers.

It may seem hard to buy a house in Australia while on a temporary visa, but it’s not impossible with the right help. Ingenious Finance is an expert at getting temporary visa home loans for people in Melbourne, even if they aren’t Australian citizens or permanent residents.

Hundreds of people with temporary visas have successfully bought homes in Melbourne with the help of our expert mortgage brokers. If you have a 482, 485, 491, 600, or another type of visa, we can help you find a number of lenders who offer temporary visa home loans in Melbourne that are right for you.

Who can get a temporary visa home loan in Melbourne?

A lot of people think that only Australians or people who live there permanently can buy property in Australia, but that’s not true. Several lenders in Melbourne offer temporary visa home loans to people who meet certain requirements.

You might be able to get it if you:

You need to have a temporary visa, like the 482, 485, 491, 457, 309, 820, or 300.
Have a steady job or source of income in Australia
Have a good credit history
Put down at least 20% of the total amount (some lenders may want more).
If necessary, get permission from the Foreign Investment Review Board (FIRB).

Ingenious Finance’s main job is to help you understand your visa subclass and find lenders who are willing to give you a temporary visa home loan in Melbourne.

Why should you get your temporary visa home loan Melbourne from Ingenious Finance?

We are mortgage experts and know how to make your application look its best, even if you are not a permanent resident. We work with more than 40 lenders, some of whom only work with visa holders and people from other countries.

When you apply for a temporary visa home loan in Melbourne with us, you get:

Advice that is tailored to your visa type and financial situation
Access to lenders who are more flexible and have less strict lending rules
Help with FIRB rules and following the law
Full support for managing applications and paperwork
Regular updates and expert negotiation with lenders
It can be hard to buy property on a visa, but with a reliable partner like Ingenious Finance, it becomes easy.
How the Temporary Visa Home Loan Melbourne Process Works

Home Loans for Temporary Visa Holders in Melbourne

While most major banks have strict lending policies for visa holders, several niche lenders offer competitive home loan options—even if you’re not a permanent resident yet.

We help eligible applicants:

• Get approved with as little as 20–30% deposit
• Apply as single or joint applicants with Australian citizens or PR holders
• Understand Foreign Investment Review Board (FIRB) requirements
• Compare loans across 40+ lenders, including non-bank institutions

Who Can Apply for a Temporary Visa Home Loan?

If you’re on one of the following visas, you may be eligible:

• Subclass 482 (Temporary Skill Shortage Visa)
• Subclass 491 or 494 (Regional Skilled Visa)
• Subclass 485 (Temporary Graduate Visa)
• Subclass 500 (Student Visa – with partner who is PR or citizen)
• Subclass 457 (older sponsored visa holders)
• Partner visas (subclass 820, 309)
• Bridging Visas in some cases

Our expert mortgage brokers assess your situation and match you with the right lenders based on your visa status, income, deposit, and eligibility.

Why Choose Ingenious Finance?

• Specialists in visa-based lending – We work with lenders that understand non-resident and temporary visa buyers.
• 40+ lenders compared – We find the best match for your financial profile.
• FIRB support – We help you comply with FIRB guidelines where required.
• End-to-end service – From eligibility checks to loan approval and settlement.

FAQs – Temporary Visa Home Loans in Melbourne

Q1: Can I get a home loan in Melbourne while on a temporary visa?
A: Yes, several lenders offer home loans to temporary visa holders. Your eligibility depends on your visa type, income, deposit size, and individual lender policies.

Q2: What is the minimum deposit I need?
A: Most lenders require 20% to 30% deposit for temporary visa holders. Some may require more depending on your visa status and whether you’re buying with a citizen or PR.

Q3: Do I need FIRB (Foreign Investment Review Board) approval?
A: If you are not a permanent resident or citizen and you’re purchasing property alone, yes—you’ll likely need FIRB approval. We assist with the FIRB application process.

Q4: Can I apply jointly with my partner who is an Australian citizen?
A: Absolutely. If you’re in a relationship with a citizen or PR, you can apply jointly, and it may improve your chances and reduce deposit requirements.

Q5: Which visas are accepted for a home loan?
A: Lenders commonly accept visas like 482, 491, 485, 457, 820, 309, and more. Eligibility varies, so we help assess your visa and match you to the right lenders.

Q6: Will my interest rate be higher as a temporary visa holder?
A: Some lenders charge higher rates for non-residents. However, we compare the market to find competitive offers that fit your profile.

Q7: Can I refinance later after becoming a PR?
A: Yes, once your residency status changes, we can help you refinance to better rates or more flexible terms.

Why Ingenious Finance is the Best Choice for Melbourne Visa Holders

✅ A lot of experience with the temporary visa home loan market in Melbourne
✅ You can work with more than 40 local and national lenders
✅ Help with documents and personalized advice
✅ Help with the whole loan application process and clear communication

We help you through the whole process, from pre-approval to settlement, without any confusion.

You don’t have to wait to make your dream of owning a home in Melbourne come true. Let us help you find the right temporary visa home loan Melbourne product for you, one that meets your needs, your visa requirements, and your long-term goals.

Apply for a Temporary Visa Home Loan Melbourne with Us Today to Get Started

Ingenious Finance thinks that everyone should be able to own property, no matter what their visa status is. Our team is ready to help you if you’re living in Australia for a short time and want to take the next step.

We give free consultations and honest advice, even if you’re not sure if you qualify. We can help you get a temporary visa home loan in Melbourne, whether you’re in the CBD, the suburbs, or moving here from another country.

Start Your Home Ownership Journey While on a Temporary Visa

Don’t let your visa status hold you back. At Ingenious Finance, we believe homeownership should be possible for everyone living and working in Australia—even if you’re not a permanent resident yet.