Buying property in Australia as a new migrant, permanent resident or established Indian, Punjabi, Pakistani, Nepali or wider South Asian family can feel overwhelming. The lender rules, the deposit requirements, the credit checks, the temporary visa restrictions and the unfamiliar paperwork all sit on top of running a business, raising a family and settling into a new country.
FinAus is a family-owned mortgage broking firm based in Sydney. We speak your language, understand your family structure, and know exactly how Australian lenders assess applications from migrants, new arrivals, temporary visa holders and self-employed business owners.
हमसे हिंदी या पंजाबी में बात करें · ਸਾਡੇ ਨਾਲ ਪੰਜਾਬੀ ਜਾਂ ਹਿੰਦੀ ਵਿੱਚ ਗੱਲ ਕਰੋ
Why the Indian and South Asian Community in Sydney Choose FinAus
Our clients come to us through referrals from family, friends, accountants and migration agents because we deliver outcomes that other brokers and bank branches often cannot. We understand the cultural, financial and documentation challenges that South Asian families face when buying property in Australia, and we use that understanding to build stronger, faster and smoother loan approvals.
- Almost two decades of banking and lending experience, including senior roles at Commonwealth Bank
- Service in English, Hindi and Punjabi, with cultural understanding of family-pooled finance, joint applications and overseas-gifted deposits
- 153+ verified Google reviews with an excellent rating, many from clients across the Indian community
- Access to over 50 lenders, including specialist lenders for new migrants, temporary visa holders, self-employed business owners.
- Local knowledge across Penrith, Blacktown, Parramatta, Castle Hill, Liverpool, Cabramatta, Fairfield, Campbelltown and surrounding suburbs
- Free upfront valuations and credit reports before lender selection
Buying Property in Australia as a Migrant: What You Need to Know
Australia welcomes migrants from every part of the world, and homeownership is a key part of building a stable, secure life here. Australian lender policy varies significantly for migrants, new arrivals, temporary visa holders, recent permanent residents and self-employed business owners.
Visa & Residency Questions
Can I buy a property on a temporary skilled visa? Will my overseas income count? Does my limited Australian credit history hurt my application?
Family-Pooled Deposits
Can my parents in India gift me a deposit? How do I prove genuine savings if my deposit came from family? Can my parents go on the loan as guarantors?
Schemes & Grants
Am I eligible for the First Home Owner Grant? Which lender will accept my scenario at the strongest rate? The bank you walk into only shows their products.
A specialist broker who understands migrant lending compares the policies of over 50 lenders side by side and selects the one most likely to approve your situation at the strongest rate.
Who We Help in the Indian and South Asian Community
Our migrant community client base is diverse, and our experience spans every stage of the migration journey. The groups below represent the most common profiles we work with.
New Permanent Residents
If you have recently received permanent residency, you are treated by most lenders the same as an Australian citizen. We help you build your Australian credit profile and structure your first application for the strongest possible approval.
Temporary Visa Holders
If you hold a 482 skilled work visa, 485 graduate visa, 500 student visa, 491 regional visa or a partner visa, you may still be able to purchase property in Australia. We know which lenders are actively writing temporary visa loans.
Skilled Migrants & Professionals
Doctors, dentists, engineers, IT professionals and accountants often qualify for professional packages allowing up to 90% to 100% financing with no LMI and interest rate discounts.
Self-Employed Business Owners
If you run a store, transport company, trades business or professional practice, lender selection is critical. We know which lender writes which deal, including alt-doc and shorter trading history options.
Multigenerational Families
Many South Asian families pool resources across generations or apply jointly with parents, siblings or extended family. We know which lenders accept guarantor support and joint applications across two generations.
Property Investors
Many long-term clients have built portfolios of two, three, four or more investment properties. We structure each loan with future borrowing in mind, so your next purchase is not blocked.
Why Migrant Buyers Benefit From a Specialist Broker
Australian lender policy varies more sharply for migrants and new arrivals than for any other group of borrowers. Working with a broker who genuinely understands the migrant journey produces stronger outcomes than walking into your local bank branch.
Visa Type Drives Lender Selection
Each visa subclass is treated differently. Some lenders accept 482 skilled work visa holders up to 80% LVR. Others restrict temporary visa holders to 70% or 60%. Choosing the wrong lender is the most common reason migrant applications are declined.
Overseas Income & Gifted Deposits
If part of your income comes from overseas, or your deposit was gifted by parents in India, lender treatment varies dramatically. Some lenders shade overseas income by 20% to 40%. Others do not accept it at all. We know who accepts what.
Get Your Free Strategy CallHome Loan Services for the Indian and South Asian Community
FinAus is a full-service mortgage broker. Whatever stage you are at, from your first home in Australia to building a multi-property portfolio or buying your business premises, we have the lender access and the experience to support you.
First Home Buyer Loans
We help you understand your deposit position, eligibility for the First Home Owner Grant, the First Home Guarantee scheme, stamp duty concessions, and the lenders most likely to approve your scenario.
Investment Property Loans
We structure investment loans to maximise borrowing capacity across multiple lenders, manage tax considerations, and plan your loan structure so you can keep purchasing.
Refinancing
Refinancing can reduce your rate, lower repayments, release equity for your next purchase, or consolidate higher-interest debts. We compare your existing loan across 50+ lenders.
Guarantor Home Loans
If your parents own property in Australia, they may act as guarantor and provide equity as additional security, allowing you to borrow up to 105% with no LMI required.
Construction Loans
Building a new home requires a specialist construction loan with progress payments. We coordinate the lender, fixed-price contract, payment schedule and final inspection.
Self-Employed Loans
We work with your accountant to present income in the strongest way, identify lenders that accept your business structure, and find the right policy fit, including alt-doc options.
Commercial Property Loans
Whether you are buying business premises, a retail shop, warehouse or commercial investment property, we provide tailored commercial lending solutions.
Bridging & Debt Consolidation
From bridging loans for your next purchase before selling, to consolidating credit cards and personal loans into your mortgage to improve monthly cash flow.
Our Process for Migrant Community Home Loans
Our process is designed to remove uncertainty at every stage. From your first conversation to settlement, you always know what is happening and what to expect next.
Initial Conversation
We meet by phone, video or in person, in English, Hindi or Punjabi. No cost, no obligation. You leave with a clear picture of your options.
Borrowing Power Review
We model your borrowing capacity across multiple lenders, factoring in visa status, income type, deposit source and existing commitments.
Document Collection
We give you a tailored document checklist and help you present income, gift letters and supporting documents in the strongest possible way.
Pre-Approval Lodgement
We lodge your pre-approval with the most suitable lender and respond to all queries on your behalf with regular updates.
Property & Valuation
Once you find a property, we run an upfront valuation, check postcode and property type are acceptable, and confirm loan terms.
Formal Approval
We manage full formal approval, valuation, loan documents and conditions, coordinating with your conveyancer through to settlement.
Settlement Day
We are with you on settlement day and beyond, making sure every detail is handled and you can move forward with confidence.
Ongoing Reviews
We review your loan annually to ensure you are not paying more than the current market rate, and we are here for every future decision.
Common Migrant Community Lending Scenarios
Every family we work with has a unique story. Below are realistic examples of the scenarios we navigate regularly. These are general examples for education and are not personal financial advice.
New Permanent Residents Buying First Home
A couple originally from Punjab, with permanent residency granted 18 months ago, both working full-time PAYG with combined income of $160,000. Their deposit is partly saved in Australia and partly gifted by parents in India. Subject to lender policy, we may identify a lender accepting the gift with a 12-month rental ledger as evidence of savings capacity.
Skilled Visa IT Professional Buying
An IT engineer from India on a 482 skilled work visa, with two years in the same role. Most lenders cap LVR at 80% for 482 visa holders. We may shortlist lenders writing 482 visa loans at competitive rates, confirm FIRB requirements, and structure the loan to support a future transition to permanent residency.
Self-Employed Restaurant Owner Refinancing
A self-employed restaurant owner with three years of business operation, currently on a high interest rate from when business income was hard to verify. The strategy is to refinance now that two consecutive years of strong tax returns are available, moving to a mainstream lender at a sharper rate.
Multigenerational Family Buying
A young couple with parents who own their own home and want to support the purchase. A guarantor home loan, with parents providing equity as additional security, may allow the couple to purchase with minimal deposit and no LMI, with a clear exit pathway within three to five years.
Investor Building a Portfolio Across Sydney
An established Indian family already owning their home in Glenmore Park, looking to buy their first investment property. We may structure the loan with a different lender, use an offset account for tax flexibility, and plan the lender sequence for future purchases two and three.
Doctor Buying With 100% Finance
A medical professional from India who recently received permanent residency, with strong income but a small deposit. Subject to eligibility, the professional package available to medical doctors may allow up to 100% financing with no LMI and rate discounts.
What Our Indian and South Asian Clients Say
Our reputation in the South Asian community has been built one family at a time, through long-term relationships, honest advice and consistent outcomes.
“I have relied on Pankaj’s advice now for over 7 years. He is always responsive and isn’t afraid to work hard to put everything together quickly to secure the right loan, even when it isn’t straight forward. He is extremely knowledgeable, practical and a great communicator. Would highly recommend Pankaj Angrish for all your finance needs.”
“We received Pankaj’s reference from a close friend and initiated our first conversation about our PPOR and its loan process. Pankaj is very responsive and even answers queries over the weekends. The entire process went smoothly. Beyond his usual responsibilities, Pankaj shared valuable ideas and knowledge on various finance topics.”
“Pankaj is really up to the mark for financial advice. It was easy to communicate with Pankaj and also Pankaj have very good experience to provide best solution in market and reliable as well.”
“Great service and very good communication. A big thanks to Mr. Pankaj Angrish for going above and beyond to find me the best deal on my home loan.”
“Thank you very much Pankaj for all your patience and ability listening client’s silly questions! You have helped a lot to get one step closer to our dream house. Really have never regretted to have business with you last 8 years!”
“Pankaj was professional, helpful, and highly knowledgeable. He explained everything very well. I would not hesitate to recommend his service to family and friends in the community.”
Senior Banking Experience Meets Cultural Understanding
Pankaj Angrish
Pankaj founded FinAus after almost two decades in the banking and finance industry, including senior roles at Commonwealth Bank across Martin Place, Parramatta, Castle Hill and Penrith. He was recognised five times as a Diamond Lender by CBA and three consecutive years as an Elite Broker.
Pankaj is fluent in English, Hindi and Punjabi, and has personally walked thousands of families from the South Asian community through their first, second and third property purchases in Australia. His combination of senior banking experience, financial planning knowledge and deep cultural understanding makes him one of the most trusted mortgage advisers for the Indian community in Sydney.
50+ Lenders Compared on Your Behalf
Our panel includes major banks, building societies, credit unions and specialist lenders. This breadth allows us to find approval pathways for visa holders, self-employed borrowers, new permanent residents and complex family structures that single-lender brokers cannot match.
Serving the South Asian Community Across Greater Sydney
From Penrith to Blacktown, Liverpool to Castle Hill, we know the suburbs, school catchments, temple and gurdwara communities, and the lender appetite for each postcode.
Plan Your Property Journey With Confidence
The right calculator gives you a realistic starting point before we meet. The tools below are the most useful for migrant families starting their property journey in Australia.
Borrowing Power Calculator
Estimate how much you may be able to borrow based on income, expenses and existing debts.
Stamp Duty Calculator
Estimate stamp duty payable in NSW, including first home buyer concessions and foreign purchaser surcharge if applicable.
Repayment Calculator
Model your weekly, fortnightly or monthly repayments at different interest rates.
Deposit Calculator
Work out the deposit needed for your target purchase price, including LMI thresholds.
LMI Calculator
Estimate the lenders mortgage insurance cost at different loan-to-value ratios.
Refinance Calculator
Compare your existing loan against the current market and see your potential savings.
Frequently Asked Questions
The most common questions we hear from the Indian, Punjabi and wider South Asian community in Sydney.
Can I buy property in Australia on a temporary visa?
Yes, but lender policy varies. Some lenders accept 482, 485, 491, 500 and partner visa holders, typically with LVR caps between 70% and 80%. Foreign Investment Review Board (FIRB) approval may also be required, and you may be restricted to new builds or substantially renovated property. We confirm exactly what your visa allows and which lender is the best fit.
Can I use a gifted deposit from family in India or overseas?
Yes, subject to lender policy. The gift must usually be evidenced by a gift letter confirming the funds are non-repayable. Some lenders prefer the funds to have been held in your Australian bank account for at least three months. Gifted deposits from overseas are commonly accepted by major lenders, with appropriate documentation.
Do I need to be a permanent resident to buy a home in Australia?
No. Permanent residents, Australian citizens, New Zealand citizens and many temporary visa holders can all purchase property, though policy and FIRB rules differ. New permanent residents are typically treated the same as Australian citizens by most lenders.
Will my limited Australian credit history hurt my application?
Possibly, but it can be managed. Most lenders prefer at least six months of stable income and 12 months of bank statements. Some lenders are more accommodating, especially for skilled professionals with strong employment and overseas credentials. We know which lenders work best for new arrivals.
Can my parents in India act as guarantor for my home loan?
Generally no, because Australian lenders require the guarantor to own property in Australia. However, if your parents live in Australia and own property here, they may be eligible to act as guarantor. We confirm the requirements with each lender on your behalf.
Can I include rental income from property I own overseas in India?
Some lenders accept overseas rental income with appropriate documentation, typically tax returns from the country of origin, lease agreements and bank statements showing the income deposited. Income is often shaded by 20% to 40% depending on the lender and currency. We identify the lenders most accepting of overseas income.
What grants and schemes are available to me as a permanent resident?
Permanent residents are generally eligible for the same first home buyer grants and schemes as Australian citizens, including the First Home Owner Grant, First Home Buyer Assistance Scheme stamp duty exemption, First Home Guarantee and First Home Super Saver Scheme. Eligibility depends on the property type, price and your income.
Do I have to pay a foreign purchaser surcharge?
If you are not an Australian citizen or permanent resident, you may be required to pay an additional foreign purchaser surcharge on top of regular stamp duty. The surcharge varies by state. In NSW, it is currently a significant percentage of the property value. We help you understand the full cost before you commit.
How long does the home loan process take?
For straightforward applications, pre-approval can be secured in one to two weeks, with full settlement typically four to six weeks after exchange of contracts. Self-employed and visa-holder applications may take longer due to additional documentation requirements.
Does FinAus charge a fee?
No. Our service is free for borrowers. We are paid a commission by the lender after settlement. The rate and product you receive are the same as going direct, often better given our negotiated panel pricing.
क्या आप हिंदी में सेवा देते हैं? (Do you provide service in Hindi?)
हाँ. हम हिंदी और पंजाबी दोनों में पूरी होम लोन सेवा प्रदान करते हैं. आप पंकज अंगरीश से सीधे अपनी भाषा में बात कर सकते हैं और पूरी प्रक्रिया को बिना किसी संदेह के समझ सकते हैं.
ਕੀ ਤੁਸੀਂ ਪੰਜਾਬੀ ਵਿੱਚ ਸੇਵਾ ਦਿੰਦੇ ਹੋ? (Do you provide service in Punjabi?)
ਹਾਂ ਜੀ. ਅਸੀਂ ਪੰਜਾਬੀ ਅਤੇ ਹਿੰਦੀ ਦੋਵਾਂ ਵਿੱਚ ਪੂਰੀ ਹੋਮ ਲੋਨ ਸੇਵਾ ਪ੍ਰਦਾਨ ਕਰਦੇ ਹਾਂ. ਤੁਸੀਂ ਪੰਕਜ ਅੰਗਰੀਸ਼ ਨਾਲ ਸਿੱਧੇ ਆਪਣੀ ਭਾਸ਼ਾ ਵਿੱਚ ਗੱਲ ਕਰ ਸਕਦੇ ਹੋ ਅਤੇ ਪੂਰੀ ਪ੍ਰਕਿਰਿਆ ਨੂੰ ਬਿਨਾਂ ਕਿਸੇ ਉਲਝਣ ਦੇ ਸਮਝ ਸਕਦੇ ਹੋ.
Should I go directly to my bank or use a broker?
Your bank can only offer their own products. A broker compares more than 50 lenders, identifies the strongest approval pathway for your scenario, and negotiates on your behalf. For migrants, visa holders and self-employed clients especially, where lender policy varies widely, a broker often produces a stronger borrowing capacity and faster approval than going direct.
Ready to Start Your Property Journey in Australia?
Buying property in Australia is one of the biggest decisions your family will make. The right loan, the right lender and the right strategy will save you tens of thousands of dollars and years of stress.
Your first session is free, with no obligation and no pressure. We give you a clear view of your borrowing power, the lenders most suited to your scenario, the schemes and concessions you qualify for, and the path forward.
हमसे आज ही संपर्क करें · ਅੱਜ ਹੀ ਸਾਡੇ ਨਾਲ ਸੰਪਰਕ ਕਰੋ