Can I Refinancing | Mortgagefy
Speak to a Broker Now — 0432 634 648
Mortgagefy Call Now
Pakistani couple spouse visa home loan Sydney consultation
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.

Start Your Free Assessment 0432 634 648

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

We use offer letters and vesting schedules to value RSUs conservatively. We present current vesting value + projected future vesting as a 3-5 year income average. This gives lenders confidence in your income stability while accounting for market volatility.
Both. We work with W2 employees, 1099 contractors, and consultants. For contractors, we use 2 years of tax returns plus business financials. We have lenders who specialise in contractor income—they understand the variability.
Unvested options have zero value for refinancing. We count only vested equity. If you have a 4-year vest, we use 25% of the grant value (what's vested) plus a conservative projection of future vesting.
If you've been in your new role 6+ months, most lenders will refinance. We'll use your offer letter plus 6 months of pay stubs. If less than 6 months, it's harder but possible with specialist lenders.
Yes, if you have 2+ years of bonus history. We average the past 2 years and present it conservatively. Some bonuses get counted at 50% to be conservative with variable compensation.
ESPP is counted as deferred compensation. If your company matches or you have a discount, we value it as part of total compensation package.

Talk to us about spouse visa home loans

Free 20-minute call with multilingual support.

Start Your Free Assessment Call 0432 634 648

Related guides

Mortgage Broker Lakemba Mortgage Broker Bankstown Islamic Finance Calculators Home

Get your personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Visa Holder Home Loan Requirements

Visa Categories & Lender Acceptance

  • Skilled visas (457, 186, 494): Most lenders accept after 6-12 months employment. Visa duration + 2-year job security assessed.
  • Spouse visas (309, 820): After 2 years PR pathway visible. Partner income may be assessed if co-borrower.
  • Student visas: Requires guarantor (usually parent). Limited personal borrowing capacity until PR granted.
  • Temporary Resident (400, 401): Short-term visas. Most lenders decline until PR granted.

Income Verification for Visa Holders

Lenders assess visa holder income conservatively:

  • PAYG salary: Current payslips + employer letter confirming ongoing sponsorship + visa condition checklist (must be sponsored to work in Australia)
  • Overseas income: Bank statements (6-12 months) proving regular receipt + letter from employer confirming ongoing payments + currency conversion (lenders apply 10% discount for forex risk)
  • Added income: Spouse's income assessed separately if they're also visa-dependent

Visa Stability & Lender Risk

Visa duration affects borrowing capacity:

  • Visa expires in <2 years: Lender may decline or require guarantor co-sign
  • Visa expires in 2-5 years: Approved with standard terms (visa must be renewed before loan matures)
  • PR granted (indefinite): Treated as permanent resident; visa no longer a factor

Model your scenarios: Use our free home loan calculators to estimate borrowing capacity, repayments, and savings.