Home Loan Guides

Each guide answers one question, explains how it works and links to the official sources. Find your situation below. If you can't see your question, ask Nabita.

Home loans for visa holders

Can I buy a house in Australia on a temporary visa? Temporary visa holders can't buy established homes until 30 June 2029, but can buy new homes, off-the-plan or land with approval. Fees and duty explained.
Can I get a home loan on a 482 visa? Some lenders lend to 482 (Skills in Demand) visa holders. What they look at, the documents to prepare, what you can buy, and how the path to PR fits in.
Should I buy a home now or wait until I get PR? Buying on a temporary visa vs as a permanent resident in NSW: what you can buy, extra fees and duty, first home buyer schemes, and a worked $750,000 example.

More about home loans for visa holders

Self-employed home loans

Can I get a home loan with a 1-year ABN? Some lenders consider self-employed borrowers with about 12 months of ABN history. What they look at, the documents you'll need, and full doc vs low doc.
What is a low doc home loan, and is it right for me? Low doc loans let self-employed borrowers show income with BAS, bank statements or an accountant's letter. How they work, what they cost, and the alternatives.

More about self-employed home loans

Home loans through life changes

Can I get a home loan on maternity or parental leave? Some lenders consider borrowers on parental leave, often using your usual income with a confirmed return date. What they ask for, and Parental Leave Pay 2026.
Can I get a home loan on probation or in a new job? Some lenders consider applicants on probation, especially in the same line of work. What lenders look at, the documents to prepare, and when to apply.

More about home loans through life changes

Bad credit home loans

Can I get a home loan after bankruptcy? When bankruptcy ends, how long it stays on your credit report, what lenders look at after discharge, and the steps that help you get a home loan again.
How long do defaults stay on your credit file? A default stays on your credit report for 5 years, even once it's paid. What counts as a default, what lenders look at, and how to fix errors for free.

More about bad credit home loans

First home buyers

How does the First Home Guarantee (5% Deposit Scheme) work in 2026? The 5% Deposit Scheme in 2026: who's eligible, NSW price caps ($1.5m in Sydney), no income caps, no LMI, and how to apply through a participating lender.
Can I use money from my parents overseas for my home deposit? Using a gift from parents overseas, for example in Nepal or India, for your home deposit: what lenders ask for, how to move the money, and the tax rules.

More about first home buyers

Refinancing

Should I refinance my home loan? A 2026 checklist A checklist for deciding whether to refinance: comparing your loan, asking your lender first, every switching cost to count, and the traps to avoid.

More about refinancing

Investment loans

Can I use the equity in my home to buy an investment property? How lenders work out your usable equity, the 80% LMI threshold, the risks Moneysmart warns about, and why it matters for tax what the money is used for.

More about investment loans

Prefer to talk it through?

Nabita can look at your situation and explain your options. Call 040 110 1608 or send an enquiry.

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