Buying a home in Australia, with guidance that fits your situation.
Home loan guidance for people new to Australia — clear, honest advice built around your visa status, financial situation, and long-term plans.
Moving to Australia is a big step. Buying a home here can feel even bigger.
Different rules, unfamiliar systems, and uncertainty about what applies to your situation can make the process confusing — even if you have strong income, savings, and a clear plan.
At Extra Mile, we specialise in helping people who are new to Australia understand the local lending system, navigate their options with confidence, and move forward without guesswork or assumptions.
Why people new to Australia choose Extra Mile
- Clear guidance through the Australian lending system
- Experience working with diverse cultural, visa and financial backgrounds
- Honest advice — no assumptions, no pressure
- Support from first questions through to settlement
Big decisions. Real guidance. Real outcomes.
What clients say after going through the process with Extra Mile.
How buying a home works when you’re new to Australia
Step 1 - Understand your situation clearly
We review your visa status, income, savings, credit history (Australian and overseas where relevant), and future plans — so you know exactly where you stand before making decisions.
Step 2 - Explore the right loan options
Loan eligibility can vary depending on visa type and residency status. We explain which lenders and loan structures may suit your situation, including how lenders assess:
- Deposit requirements
- Lending limits
- Additional approvals that may apply
- How different visa types are treated
Where relevant, we also explain government approvals (such as FIRB for some temporary residents) and how buying with an Australian citizen or permanent resident partner may change what applies.
Everything is explained clearly, in plain English.
Step 3 - Apply with confidence
We manage the application process, liaise with lenders, and guide you step by step through to settlement — keeping you informed and supported at every stage.
Does this sound familiar?
- Not sure if your visa allows you to buy property in Australia?
- Confused about deposit requirements or lending rules?
- Worried that limited Australian credit history could hold you back?
You’re not alone.
Many people new to Australia feel the same way — and the right guidance can make all the difference.
We break everything down clearly, answer your questions honestly, and help you move forward with confidence.
What you’ll typically need
Requirements vary depending on your situation and the lender, but most applications involve:
- Identification
- Proof of income
- Savings and bank statements
- Credit history (Australian and/or overseas, where applicable)
- Property details (once selected)
We’ll guide you through what’s needed and when, so nothing comes as a surprise.
Ready to take the next step?
Book a free, no-obligation call and get clarity on your options for buying a home in Australia.
All loans are subject to lender approval and eligibility criteria. Fees and charges may apply.
Frequently asked questions
Can people on visas buy property in Australia?
In many cases, yes. Eligibility depends on your visa type, income and circumstances. We’ll help you understand what applies to your situation.
Do I need Australian credit history to get a home loan?
Not always. Some lenders consider overseas income, savings and credit history. We’ll explain which options may be available in your case.
Is the process different if I’m not a permanent resident yet?
It can be. There may be additional steps or approvals required, but with the right guidance the process can still be straightforward.
Should I speak to a broker before I start looking at properties?
Yes. Many people new to Australia speak with us early to understand their position before making any commitments.
Contact us
Our Adelaide office
We’re based in Adelaide and support clients across South Australia and Australia-wide.