Can I Get a Home Loan on a Spouse Visa Australia? | Mortgagefy
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Quick Answer

Can I Get a Home Loan on a Spouse Visa in Australia?

Mortgagefy Broker Team · Published · Last reviewed

Yes — spouse visa holders (820, 309, 100, 801) can get home loans. Easier when your partner is PR/citizen — joint applications work well. Multilingual support.

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Who this guide is for

Spouse visa holders in Australia wanting to know if they can get a home loan — including those still on temporary spouse visas waiting for PR.

The local picture

Spouse visa lending is more nuanced than skilled visa lending. Some lenders treat 820/309 holders favourably; others stricter. Joint application with PR partner often works best.

How Mortgagefy helps locally

Mortgagefy works with spouse visa applications regularly. We identify lenders flexible with your specific visa subclass and partner status. Multilingual support.

Free advice.

How it works — 4 simple steps

1

Free spouse visa chat

20-minute call about your visa subclass and partner status.

2

Compare lender options

We identify lenders flexible with spouse visa borrowers.

3

Application support

We submit application with both partners' documentation.

4

Settle into home

You move in with proper structure.

Frequently asked questions

Can 820 visa holder buy property in Australia?

Yes — 820 (onshore temporary partner) visa holders can buy. FIRB requirements vary; lender requirements vary. Joint application with PR/citizen partner is typically straightforward.

Do I need FIRB approval as spouse visa holder?

820/309 holders typically don't need FIRB if buying joint with PR/citizen spouse. Solo purchase by 820 holder requires FIRB for established homes.

Can my spouse visa income count for borrowing?

Yes — your Australian PAYG or business income counts. Lenders may have specific requirements for newer-arrived spouse visa holders.

Are FHB Guarantee available on spouse visa?

Generally no — FHB Guarantee requires PR/citizenship. Permanent partner visa holders (801/100) qualify; temporary partner (820/309) don't.

How much deposit needed?

For joint application with PR spouse: similar to standard PAYG (5-20%). Solo spouse visa: typically 20% minimum.

Talk to us about spouse visa home loans

Free 20-minute call with multilingual support.

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