A temporary visa is not a no. It is just a different lender.
We match your exact visa subclass to the lenders whose policy already fits it. Before you apply, before anyone touches your credit file, and before someone tells you to come back when you have PR.
No documents needed for the first chat. Just a conversation about your visa, your income and what is realistically possible.
Sound familiar?
"The bank told me to come back once I have permanent residency." 482 visa, Sydney
"They would not count my salary because it is paid overseas." Foreign income
"I was declined and nobody could explain what actually went wrong." 485 visa, Melbourne
If any of those sound like your last conversation, you were probably not knocked back on merit. You were sent to the wrong lender.
Most declines are a mismatch, not a verdict
A branch lender sees "482 visa" or "income paid in US dollars" and reaches for the standard credit policy. That policy was written for a permanent resident with an Australian payslip. It does not fit, so the file falls over, and you walk away thinking you cannot buy a home in Australia.
Lender policy on temporary residents, freshly granted PR and overseas income varies enormously, and it changes often. Some lenders will not touch a temporary visa at all. Some cap how much you can borrow. Some accept foreign income but discount it. Some need FIRB approval (that is the foreign investment sign off), others structure around it. A handful treat your two week old PR grant exactly like a citizen's. Knowing which is which is the whole job.
Your visa subclass
We start with the actual subclass on your grant letter, its conditions and how long it has left to run. Not a guess, not a category.
The matching policy
We work backwards to the lenders whose written policy already accommodates your visa, your income and where your deposit came from.
What you can actually do
You get a clear picture of your position before an application is lodged, so your credit file stays clean while you decide.
You do not need to have it all worked out. You do not need to have "enough" saved yet. You just need to know what is genuinely possible.
Which visa are you on?
Find your subclass. This is the starting point, not the answer, and we confirm the detail against current lender policy on the call.
| Your visa | What lenders look at first | Where this usually lands |
|---|---|---|
| 482 skilled Employer sponsored |
How long the visa has left, whether your sponsor is stable, and whether your income is paid here or offshore | One of the most workable temporary visas. A number of lenders write policy for 482 holders, though borrowing limits and deposit requirements vary a lot between them |
| 485 graduate Temporary graduate |
Your employment, and whether you are already on a pathway to something longer term | A narrower field of lenders than a 482, because the shorter visa term makes them look harder at what comes next. Narrower is not empty |
| 500 student | Where your income comes from, where your deposit came from, and whether anyone is applying with you | The tightest of the temporary visas for lending. A partner, guarantor or co applicant with different status often changes the picture completely |
| 820 partner Onshore |
Your partner's status, and whether the two of you are applying together | Often a much stronger position than people expect. Several lenders treat 820 holders close to how they treat permanent residents |
| New PR Recently granted |
The date your grant came through, and which visa you held before it | There is no waiting period with the right lender. The trap is lenders that assess you on the visa you held when you started, so a grant from last week is worth acting on |
| Something else 189, 190, 491, bridging |
The subclass number on your grant letter, and any conditions attached to it | Skilled independent, state nominated, regional and bridging visas each have their own policy quirks. Tell us the number and we will tell you who already fits |
General information only. Every lender sets its own policy, policy changes regularly, and every file is assessed on its own merits.
What you get from working with us
Your visa, matched to policy first
482, 485, 500, 820, 189, 190 or recently granted PR. We check your subclass against lender policy before anything is lodged, so you are not the test case.
Foreign income and offshore deposits are normal here
Salary paid in another currency. A deposit sitting in an overseas account, or gifted by family abroad. These are routine files for us, not something we have to go and research.
No credit damage while we work it out
We assess your position against lender policy before submitting anything. You do not collect knock backs that make the next application harder.
The questions we get asked most
Do I need permanent residency to buy?
No. Plenty of lenders write policy for temporary residents. What changes is which lenders will look at you, how much they will lend and what conditions come attached. That is exactly what we map out on the call.
My income is paid overseas. Does that rule me out?
Not automatically. Some lenders accept foreign income, usually with a discount applied to allow for currency movement, and they will want it evidenced in a particular way. Others will not consider it at all. Knowing the difference before you apply is the point.
My deposit is sitting overseas, or my parents are gifting it. Is that a problem?
It is a documentation question, not a dead end. Lenders need a clean trail showing where the money came from, and gifts usually need a letter in a specific form. We sort that out early rather than three weeks into an application.
Will this hurt my credit score?
The discovery call does not touch your credit file at all. We only lodge an application once we have identified a lender whose policy fits your situation and you have decided to go ahead.
Do I need FIRB approval?
It depends on your visa and the type of property. FIRB is the Foreign Investment Review Board, and some temporary residents need its approval before buying. We will flag whether it applies to you and how it fits into your timing.
What does this cost me?
Nothing. We are paid a commission by the lender once your loan settles, and that arrangement is disclosed to you in writing before anything is submitted. Our Credit Guide sets out the detail.
Book a 30 minute discovery call
A short, no pressure conversation. You tell us your visa, your income and roughly what you are hoping to buy. We tell you where you stand.
- No documents needed. Nothing to gather, nothing to upload, nothing to dig out of an old email. Just turn up and talk.
- No credit check. Nothing is lodged and nothing touches your file on this call.
- If you decide to go ahead, we collect your documents securely through FileInvite afterwards, so nothing sensitive is ever sent over plain email.
30 minutes. Free. No obligation to proceed.
Prefer to write first? ugur@demir.loans or 0495 000 228.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. All applications are subject to lender assessment, policy and approval criteria. Lender policy on visas, foreign income and overseas funds changes regularly and varies between lenders. Demir Loans Pty Ltd is a credit representative of LMG Broker Services Pty Ltd, Australian Credit Licence 517192.