Can I Buy Property on Student Visa Australia? | Mortgagefy
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Quick Answer

Can I Buy Property in Australia on a Student Visa?

Mortgagefy Broker Team · Published · Last reviewed

Yes but with FIRB rules. Student visa holders can typically buy new builds (not established homes) with FIRB approval. Lender options are limited.

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Who this guide is for

International students in Australia (subclass 500) wanting to know property purchase rules and options.

The local picture

Student visa property rules are complex — FIRB approval needed, typically can't buy established homes (only new builds), lender options limited. Most students don't know what's actually possible.

How Mortgagefy helps locally

Mortgagefy explains FIRB rules, identifies lenders that accept student visa applications, and walks through the process.

Multilingual support. Free advice.

How it works — 4 simple steps

1

Free student visa chat

20-minute call about your situation and intentions.

2

FIRB requirements check

We confirm what FIRB allows for your situation.

3

Compare lender options

We identify lenders accepting student visa borrowers.

4

Settle the purchase

You acquire property within rules.

Frequently asked questions

What is FIRB and why does it apply?

Foreign Investment Review Board — Australian government body controlling foreign investment in property. Student visa holders are foreign investors and need FIRB approval before buying.

Can I buy an established Sydney home as a student?

Generally no — FIRB typically restricts foreign students to new builds or off-the-plan. Established homes generally not allowed.

How much deposit will I need?

Lenders typically want 30%+ for student visa borrowers. Australian banks may decline outright; specialist lenders work with international students with documentation.

Can my parents in India buy in my name as student?

Parental gift money to fund student's purchase: possible. Property in student name with parents funding: possible but needs FIRB and lender alignment. Property in parents' name: full FIRB foreign investor process.

Should I wait until PR to buy?

Usually yes — PR opens dramatically more options (FHB Guarantee, established homes, more lenders). Waiting 1-2 years for PR often worth it.

Talk to us about student visa property

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