Tuesday, September 9, 2014

Immigration FAT - Did you know that immigrating to Sydney will make you fat!

Hi,
This is normally a blog about immigrating and moving to Sydney. I really don't know if anyone has written about this before, but moving country definitely makes you fat. I will present my silly argument - of course I know this is not true of everyone, but I do think that for a lot people, immigrating will make you pick up the lard!

And we all know this is not what you want!

Having moved country several times over the years, I seem to pick a burst of weight in the first few months right after moving. Here are my reasons.

Stress of moving  



Ok, so you spent literally months planning your move, finding work, finding schools, researching places to live, worrying about money, planning your budget, get removals, getting your pets removal organized and possibly selling up your existing property where you are coming from.

So you eat - you are tired, you celebrate your move with friends, you visit family.

Possibly your house hold goods have gone already and you are camping in your house..

The Actual Flight and post the flight



Ok so you eat at the airport, you fly for up to 28 hours with stops, you have jet lag, you're tired.
So you arrive at your destination, you bundle into your temporary accommodation, hotel, friends pad or short term accommodation.

Guess what! odds are you are not going to want to cook a nice healthy meal.... So its restaurants, take out, junk food and so on. (I mean who wants to wash dishes after moving and flying for a day and a night)

So immediately after you land its take out and junk food. I mean unless you are the super mum or dad and are going to land in a foreign country and do some sort of monthly shopping. Its probably going to be a week or six of junk food mixed with home cooking.

Temporary accommodation binging



Right, so now you are in a temporary apartment. It's small, it has no utensils, the fridge is tiny.
The kids are hungry (possibly teenagers) all the time(every day), the Parents are trying to sort out everything. Mom and pops are tired....

What's the easy way - McDonalds, Kentucky, Chinese take-out going out to restaurants and stocking up with fillers - sweets, drinks, biscuits, chips.

This stage can last some time...

Right, I do know that there are real dedicated, iron willed, super charged, disciplined mum's and dad's out there who literally jump of the plane and go for a run and after that do some good healthy shopping and after that so some utensils shopping and in between all this and finding Laundromats, manage to eat perfectly healthy meals with equal parts carbs, proteins and veggies.

I am not one of them, and I suspect a good portion of people out there fit into my bracket.

Strangeness of the place



Another contributor to the fact that we lose our way in the eating arena is the fact that the supermarkets are all new and the products are different.

So on top of finding out which supermarkets to go to and how to get to them, you just cannot find the stuff you so easily threw into the trolley back home. So it's hours spent wondering the isles looking for things that are remotely the same as your usual supermarket favorites.

The meals you cook are just not the same and its so easy to tip towards shortcuts and junk food.

There is just the feeling that things are not the same.

Try finding a can of baked beans in Asia....

So much Easier



Ok so let me state the obvious - its just easier to eat out. on top this, restaurants serve up over-size portions and there is a lot of cool (fattening) stuff on the menu. Things you would not generally eat at home. Kilo's baby lots of kilo's!

Wildly exotic food



If you are moving to a country that is wildly different to your own(and even if its the same), you will be in holiday mode. Its exciting! There are lots of enticing restaurants to choose from. This is especially the case if you move to Asia where everything is exotic and new. After a while, you realize(or don't care that) the food is probably not that good for you, but by then its too late. The pounds have packed on.

Break down of your family eating habits



The above paragraphs have been a little bit light hearted, but its actually a serious topic.

I think the worst part about moving countries is that there is a very real danger of losing your way.

Eating together as a family, eating healthily and being in control of your lives is very important.

Your family will need to have some sort of normality and eating together with home cooked food from mum (or dad) will be an important part of building up your lives in your new abode.

Once your family eating patterns are broken its very hard to heal it.


Have you experienced this?

Do you have any comments?

Please leave a comment below or if you would like, register on the forum and leave your experiences and questions there!

leave a comment below or click here for my little forum.

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Sunday, September 7, 2014

Filipinos in Australia - Is Australia a good place for Filipinos ?


What is it like for Filipinos to live in Australia?


A Filipino guest poster "Mannio" posted, 

I'm of Filipino heritage and was born in Australia and have lived in Sunny Australia my whole life. 
I have visited the Philippines quite a few times for long and short periods. I have seen how locals in the Philippines live for quiet some time and comparing the various differences between Phil and Australia I can say without any doubt that Australia is a damn fine country - if not one of the best countries to live in. I especially love Sydney.

Let me break it down into two categories for you.
 
The Good Stuff
  • Government and Social services such as Fire, Ambulance, Hospital, Police, Garbage Collection, care providers and so one are very efficient and more importantly are not corrupt.
  • There is an honest work ethic here and what you see is what you get - no-one is trying to scam you or take a cut- There are no separate economies. no policemen accept bribes.
  • Employment is easy to come by and wages are fairly good(especially compared to the Philippines) no matter what you do you can make enough money to live a comfortable life. No one lives in shacks and under corrugated iron roofs.
  • Population density is spacious - you don't live on top of each other.
  • In general, living conditions are of top quality.
  • The people are on the level and are very nice and show respect to each other. I think the crime rate is very low in Australia compared to Metro Manila.  It is well known that Sydney has a very low crime rate compared to other countries around the world. 
  • Australia is a very multicultural society - especially in the bigger cities like Sydney and Melbourne and although some racism is found, only a small bunch of people do it
  • It is common to see interracial couples etc. In truth, everyone, no matter race or creed is welcomed openly here. If you respect the Australian culture and work hard life will be ok.
  • Oh, almost forgot - there is no traffic like in the Philippines, yes there is "rush hour" traffic, but not all day busy with walking speed jeepneys etc. You can get home in an hour. Trains and buses in Australia are on-time and generally you can sit down
  • People know how to queue in Australia - everyone gets their turn.
  • There is no queuing for taxis, shuttles, trains etc.
The Bad Stuff in Australia
 
  • The price/cost of living is a very high for my taste but in the end we are eating well and the overall quality living conditions make up for it - so just a small gripe that one!
  • The Australian taxes suck big time, but we do get a sum return each year unlike in the Philippines so no reason to go bananas on that one I suppose.
  • Some of the government initiative to build roads and schools seem to take a long time to build for some reason - but really its way ahead of the Philippines in terms of schools and general infrastructure. WAY ahead of the Philippines.
  • Australians are very direct - its a different culture, Filipinos do it more by groups and collaboration but Australians are direct and it can be stressful until you get used to it. 
  • Socially wise the Australian people are not as open and friendly as Filipinos are in general. You will not see people in Australia's cities like Sydney, sitting and talking in the streets whereas here in Sydney most people will not know their own neighbors - They might never even have said hello. It can be very lonely if you don't find some fellow Filipinos to talk with,
  • Sometimes where you live the weather conditions can be crazy ie the North experiences some cyclones quiet often, Brisbane has had some big floods.
  • Sydney and Melbourne get very cold in winter. as little as 5 degrees Celsius and sometimes less. You need heaters to keep warm!
But totally mate - honestly I can say I'm very lucky to be living here in awesome Australia. Such a great place to work, live your life and grow a fantastic future.  
That is a lot more than I can say for many countries around the world wher they have it terrible in many ways. Honestly, when comparing the Philippines to Australia you must realize that each country has its good and bad points (as all countries will do) but if you are looking at it from a living and opportunity based viewing point then really, Australia totally beats the Philippines "hands down". The Australian economy is rock solid and the opportunity for a great future is attainable for everyone here. In the Philippines, if you don't work you die. Enough said mate



Hey, Why not ask a question in our forum?

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Friday, September 5, 2014

Americans moving to Sydney, Australia


I realized the other day, that I really had not met any American people in Sydney. I did some research and it seems that Americans just don't seem to want to immigrate to Australia. I guess its because they are content where they are, having all the same things that Australia has. Probably more jobs, higher technology, more study opportunities.


Anyway, I thought it worth a dig to find out more.


I found from the 2011 census that Americans don't even feature in the top 10 immigrant populations!
How is this? I guess most migrants to Australia have good reason to come here - economic prospects etc. whereas Americans just don't need Australia.


Interestingly the top 10 nationalities migrating to Australia are (in top to bottom order are) United Kingdom, New Zealand, China, India, Italy, Vietnam, Philippines, South Africa, Malaysia and Germany.


TOP 10 COUNTRIES OF BIRTH FOR THE OVERSEAS-BORN POPULATION, SELECTED CHARACTERISTICS


Country of birth
Persons
Proportion of all overseas-born
Median age
Sex ratio(a)
'000
%
years

United Kingdom
1 101.1
20.8
54
101.7
New Zealand
483.4
9.1
40
102.8
China(b)
319.0
6.0
35
79.8
India
295.4
5.6
31
125.2
Italy
185.4
3.5
68
104.7
Vietnam
185.0
3.5
43
84.6
Philippines
171.2
3.2
39
60.6
South Africa
145.7
2.8
39
96.9
Malaysia
116.2
2.2
39
83.5
Germany
108.0
2.0
62
90.6
Born elsewhere overseas
2 183.8
41.2
44
95.6
Total overseas-born
5 294.2
100
45
96.1

(a) Number of males per 100 females.
(b) Excludes Special Administrative Regions and Taiwan Province



 

So what do Americans  around the web say about living in Australia ?



I moved from Australia to USA, can't express how wonderful life it is now, don't know why Americans complain so much about their life. Healthcare is expensive? Yes, I do pay $600 a month here (for a family of 4), but the service is great, excellent facilities. I paid $450 a month in Australia, and what kind of service did I get?
I saved $3000 to $5000 a year just in fuel in the US, I saved probably $30,000 in mortgage each year, because housing is so affordable and great areas, I saved at least 40% in food, probably 40% in utilities (we use much less than Americans because we don't use dryers all the time, and we don't need to turn on A/C on all the time).
I bought 2 houses in the U.S. within 2 years here…what more do I need to say?


Another American Australian gents says this,


"I am an Australian born American, and lived here here until I am about 26, before I moved to US (california), I now live in LA, which is considered as the 2nd most expensive city in US. When I came back for a visit this year, boy, what a difference, this makes LA like a cheap place to live! My relatives live in a 3 bedroom house in North Shore, and it's 50 years old and needs a complete done up, and that costed them $800,000 at 7.5% mortgage rate. My family members told me that up to 60% to 70% of household income just go straight into mortgage repayments each month. Child care is so expensive, and they said it's going to go up again, it's already $60/day (no meals) for a crap day care managed by Government. I don't think I am coming back, this makes me feel California is actually quite affordable in global standard " – Born In OZ



Someone else commented about American tourists in Australia


For example, a American tourist might come here and have a heart attack looking at our restaurant menus and think we are getting ripped off, but to someone living in Australia, I think to a extent they are just whinging if they complain about the price, have a look at the data – our minimum wage is around $30,000 – Americas is around $15,000 – our average wage is $70,000 – America's is around $30,000.
So, a meal that costs $50 to us would be similar to a meal costing $25 in USA.


another comment about Australia vs America
                  
            
The reason why Australia has become more expensive to live in is because of the government follows the British style economy, that is to rely on taxes as much as possible to fund fat cats and develop third world/party businesses.
That is how England has developed over the past 50-70 years as most of their decision makers have migrated to other countries with all the money.
Australia could have been the next America, the land of opportunity especially being in such close proximity with Asia. Instead it's just another retirement village for British migrants.
 
Another Angry American in Australia said;


Tell the Government to stop falsifying the Australian cost of living, so many immigrants have been "conned" to believe in Australian Dream..yes, it is just a dream, you got that right.
Terrible place to live, cost of living is so high, no decent jobs unless you are in mining industry, terrible housing, ridiculous housing price, food & cars are 50% more expensive than North America easily.
I am outta here, US education system is much better than Australia, and you don't need to be a multi-millionaire to send your kids to good schools in US.
Free Healthcare? What healthcare? Don't you know something called tax?








live work immigrate study Australia forum

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Tuesday, September 2, 2014

Is Australia safe


Is it safe in Australia?

This is a really loaded question!


It depends on who you ask? Everyone has a different view point. It depends on where in Australia you live, how much money you have, where you hang out, what time you are out, what you do for a living - there are just so many factors.


It also depends on where you are comparing Australia too.


Personally I have not experienced one crime in Sydney Australia where I live or work or have travelled on day trips. (I live in the northern suburbs) Of course I don't go cruising the night clubs or hanging out where the teenage ravers go etc.


Although this is not criminal - The worst I have seen is idiot drivers going too fast in the rain where I live - the result was a lot of fender benders. (Mainly because we were living at the bottom of a hill on a bend so when the road was wet it caused cars to slide off the road - seriously - about 20 accidents in 12 months at the same spot)


So, statement number one.

For most people immigrating or moving to Australia -  ITS SAFE


I say this as a general broad overview statement - its SAFE.


Australia is without a doubt one of the safest and secure countries in the world.


Compare it to a third world country or a some country undergoing a war or civil unrest - like Syria, Iran, Iraq, afghanistan, Isreal, Turkey, Egypt - you get my drift. This is a safe country. People abide by laws, drive safely, study, do sports and so on - its industrious and first world. Roads are good, infrastructure like water, electricity, internet, garbage removal, mobile and landline - all stable as heck.


The police system in Australia is pretty first world so on the whole you're probably going to get a good response and follow up on crime.


Is it Safe for a Tourist in Australia?


Well yes, but obviously, if your gonna get drunk and pass out on the beach someone might relieve you of your cash or belongings. Probably not as likely as in some countries but yeah Australia will be unsafe if you are stupid.


Generally there are many thousands of tourists arriving daily all over Australia enjoying themselves.


Also, Australia has its fair share of low-lives as every society does, so you need to be careful in that respect.


Melbourne east is know for Phone snatching and light robberies.

The flip side


At one stage I stayed in Bexley for three months in South Sydney, and although I lived safely there with no incidents I did notice a lot of stereo-typcial behaviour. There were foreign looking guys who looked like gangsters - you know the type - tracksuits, hoodies, chest open to the knavel, bling gold chains.


I also noticed a lot of crappy little cars filled with teenagers cruising around and sometimes racing late at night.


This did not endear me to that suburb and I realized there is a lot more to Sydney than just plush suburbs and beaches.


Australia is also known for its high drug trade and especially high marijuana usage - even in the best schools in the northern suburbs. My teens chatting with me told me about plenty of kids they knew who were using drugs at parties and outside of school at meetups etc. Its not new, but it pops the Austrlia is perfect bubble a little.


If I take Sydney an example(where I live), you will be pretty safe hanging around the quiet suburbs of the Northern Beaches, however you will probably encounter far more crime round Sydney's inner city and western suburbs. It's not so much which place is more dangerous as it is where abouts you are and when.


Sydney has more crime than the other cities but its offset by the fact that it has way more people. In general Australia is very safe and you are probably 100 times less likely to get shot than you are in the USA.


Kings cross has the worst reputation, being the clubbing and partying capital of Sydney, this is to be expected. There are thousands of people who go there every weekend and who generally are unaffected by crime.


Some Broader news

Recently - Personal safety in Australia has become a prevalent issue with a lot media sensitivity. There have been some random murders happening that does indicate that Australia has it fair share of wierdos.


Some time back, the media coverage of Jill Meagher’s death came as a shock to Australia and other countries who gerneally regard Australia as a completely safe country. She was abducted off the street and found dead some days later.




The huge amount of foreign students studying in Australia also points towards the fact that Australia is regarded as a "safe" country.


In 2009 there were also some isolated racist(some say) attacks on Indian international students, and a few isolated cases concerning Chinese students. This has caused a rising level of concern from parents around the world that Australia is no longer the safe destination for international students that it was.


Amazingly a recent British report indicates that Canada, Germany and New Zealand are now perceived as safe study destinations instead.


I totally disagree with these sentiments. Especially Germany - there is a lot of crime there.

The so called racist attacks events on Indians has declined, but those distant events back in 2009 are obviously still affecting some Indian students’ decisions on whether to study in Australia or not.


Statistics produced for the government’s Australian international education agency has incredably shown that higher education enrolments of Indian students fell from 27,500 three years ago to fewer than 12,000 by August this year.


Its crazy as this is totally not the reality of the situation. Shows is how bad sentiment can affect decisions and economies.


So what do you do to ensure your safety in Australia ?

Safety issues are not new in Australia so it is important to be reminded frequently of
ways to protect yourself.

 
Jill Meagher's case shows that crime is possible to anyone in Australia. As international students and immigrants in a foriegn country we shoudld take extra care so as not to be caught by complacency.

 
in Victoria alone, a crime statistics report release by Victoria Police shows crime rates have risen, with nearly 400,000 offences recorded last year – a rise of 8.2 per cent from the previous year. Violent crimes against people are up 11.8 per cent.


The North-West Metro regions of Victoria recorded the highest increase in offences, with crimes against the person up by 10.2 per cent. While the report by Victoria Police does not outline crimes rates by specific suburbs, it is important to take caution where ever you are.

 
Here are some great guidelines to protect yourself at all times.

 
  • When using an ATM or public phone, look around first to make sure nobody is watching you.
  • Be aware of appearing as an easy target –stand where you can see someone approaching and
  • project confidence with your body language. Immediately place all cash in your wallet/pocket – never count it in front of the ATM.
  • At night, try to find an ATM or phone booth that is well-lit and not isolated.
  • Consider service stations, supermarkets and department stores as alternative options to withdraw money.
  • Avoid discussing your personal affairs in public.
  • If practical, do not go to the toilet alone.
  • Watch your valuables at all times.
  • Take care with your drinks. “Date rape” drugs are in use and are often colourless and odourless.
  • When leaving a social venue, try not to leave on your own or be isolated from other patrons.
  • Let your friends know who you are leaving with and consider making arrangements to contact someone when you arrive safely at your destination.
  • Where possible, try to book a taxi rather than hailing one from the street.
  • Write down the company through which you made the booking, note the registration and license plate numbers.

 

 
One lady commented like this- where she compared Prague to Australia. (taken from the forum)

 
The new motto on Australia’s coat of arms should be POLICE MADE NO ARRESTS. I left
Australia in 2007 to live and work in Prague. I feel safe here. In my 7 years here I have NEVER heard of:

  •  Home Invasions
  •  Gate crashers wrecking parties and weddings
  •  King hits
  •  Anti social behaviour involving hundreds

 
But what shocks me most is the daily menu of violent events that are reported in the media which end with the comment ”Police made no arrests”. Worst still are the situations where hundreds of youths run riot at an event and we read that police made 5 arrests. This tells the hundreds of others involved that they got away with it. Again!

 
Is Australia a safe place? I don’t think so!! When people come to Prague the wrse thing they have to worry about is pick pockets, not being put into a coma by some drunken lout intent on bashing just anyone.
 
My kids, who still live in Perth tell me that violence happens everywhere. But in terms of where I feel safe, Australia is not at the top of my list!

 
------

 
DO you think Australia is a safe place?

 
Leave a message or why not ask a question in our forums!
 
 
 

How I got my visa, Life, Lumps and spirit, Hate your new country? Your not alone! A good Furniture Rental company in Sydney,Why do immigrants leave Australia?, Sydney - Scotland island - hidden gem, Malls in Sydney, Living in St Ives, Arriving in Sydney, Driving through Sydney - first day, How expensive is Sydney

Saturday, August 30, 2014

My new Community Forum! Live Move Work Play Australia !

Hi,

For some time now I have been getting a lot of questions about moving to and living in Australia.

Of course my experience is pretty limited to Sydney and a few trips, but there are a lot of people out there who are also in this boat with us.

What better way to answer these questions, than to create a proper immigrating and moving to Australia forum for the community to discuss and communicate on all the issues around moving to Australia.

Why not  register on the forum and introduce your self? Please post a few questions and maybe be kind enough to help others?

Click here to go to the forum

Please note its a work in progress, I will be getting a logo together, a theme style (just done).

Still got to get all the rules going and a hookup to an email server etc.

Regards!


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Friday, August 29, 2014

Russians moving to Australia - Where do most of the Russian immigrants live in Australia?


Where do most of the Russian immigrants live in Australia?

Firstly, there are not a lot of Russians in Australia. I know there are large communities of Armenians in both Sydney and Melbourne.

Melbourne has a Russian contingent in the areas St Kilda and Brighton - both being long time settled areas - possibly from  WW2 times.

A large flux of immigrants arrived in Australia after WW2, when Australia opened their borders so that refugees from eastern Europe could come and help build Australian infrastructure. some example of this are the snowy mountains hydro-electric scheme, some roads and dams.
If it wasn't for the hard work of the New Australians (a title that was ascribed at the time for new arrivals) this country could possibly be 20-30 years behind where it is now.

The Post war Australian government encouraged immigration to get Australia productive after the war had removed manpower and taxable income. The refugees were looking for a new home and Australia had to have a new hard working labour force.

Marrickville in Sydney's inner west holds a small Russian community
Greeks, Lebanese and Italians mostly gravitated to inner west of Sydney initially but then moved further west as time went on.

The Chinese lived within Sydney City.

The Vietnames populated Cabramatta and are still there.

Places like Bexley had a large middle eastern population and there is an Assyrian Club done in retro style with the great lion headed arches and all the carving from ancient days.

The 2006 Australian Census shows Australia has a Russian-born population of a paltry 16000.
Most Russian-born residents live in Melbourne (5,407) and Sydney (5,367).

There are more Russian-born women (62%) residing in Australia, and most of them arrived (69%) after1990.

At the 2006 Census about 67000 Australian residents indicated they had Russian ancestry.

Before 1990 many of the Russian immigrants were of Jewish origin, but this has changed in recent years as Jewish emigration has been insignificant.

Some famous Russian arrivals include a boxer called Kostya Tszyu and the pole vault champion Tatiana Grigorieva, who won a silver medal in the 2000 Sydney Olympics.

Apparently Sydney's Bondi Beach is also a popular area for Russian and Russian-Jewish migrants. Bondi beach boasts restaurants and specialist shops catering to Russian needs.

These days, Russians people live spread out throughout New South Wales and Australia with less concentration in certain areas as might have been in the past.

The Australian Russian speakers are currently served nationally by a Russian language radio broadcasting team at the SBS - Special Broadcasting Service This is an Australian Government radio station which broadcasts in 58 community languages.

Interestingly Russian Federal State Statistics Service there are about 1200 Russians who left Russia for Australia from 2000 to 2008.



Currently roughly 170 Russians leave Russia for Australia every year.


Hi, moving to Australia?, why not use our community forum - all about living, working, playing, moving and studying in Australia.


Need some info about Bondi beach? Follow this link


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Thursday, August 28, 2014

Moving to Australia - Can 457 visa holders buy a house or property ?

Moving to Australia? Want to purchase a property? You can!


Can a 457 visa holder purchase a house? Yes you can.

Normally you will have to sell your property if you leave Australia. In some cases the loan can be converted to a non resident investment loan which means you would not have to sell the property.

Some of the banks in Australia will  consider mortgage applications from applicants with 457 Visa status.


457 Visa holders and non-permanent residents who wish to purchase property in Australia, need to obtain approval from the Foreign Investment Review Board.

As long as you have been a resident in Australia for longer than 12 months you can buy a house or apartment. in some cases this obligation can be waived.

Foreign persons should notify the Government and get prior approval to acquire an interest in certain types of Real Estate. An 'interest' includes buying Real Estate but can also include obtaining or agreeing to enter into a lease, or financing or profit sharing arrangements.

Some advice - not all banks will have people who know the ropes around 457 visa mortgage applicants and this create difficulties. Don't just walk into your corner bank branch. Find a specialist that deals with mortgages for Australian 457 visa holders.

If I am fresh of the plane can I get a mortgage?

Currently it will depends on what your overall lending to value ratio (LVR) will be of course whether your income will support the loan. The LVR is calculated by dividing the loan amount by the property value. Basically - how big is your deposit!

If your deposit is less than 20% your LVR will be greater than 80%. There are then things like probationary periods that need to be completed. Most banks will prefer that you were with the same employer for at least 12 months and that you have at a minimum 1 year remaining on your 457 visa.

If you are being transferred by your existing company that also helps as you are seen as less of a risk.

They might look at strong applications prior probation period but its hard - each case is assessed on it's own merits.
 
457 visa holder don't actually pay a higher interest rate but factors like your deposit and how long you have been in Australia will affect how many Lenders will be willing to give you a house mortgage. 
 
Obviously a large deposit will open the gates and there will really be no minimum period of length of stay - each individual case will be assessed on it's risk to the lender.

So in Short - big deposit no problem, small deposit big problem.


Notes about the 80% borrowing thresh-hold


Good news is that 457 Australian visa holders that reside in Australia can borrow up to 95% of the total purchase price of a property.

This is possible by organizing Lenders insurance.

Its another expense but getting lenders mortgage insurance (LMI)  will allow you to borrow a higher amount - up to 95%.

Getting approvals are still totally subject to your personal financial situation and your employment history.

If you want to borrow up to 95%, you still need to have 13% of the purchase price to cover the Lenders Mortgage Insurance

It is also not a requirement for you to be married or in de facto relationship with an Australian citizen or permanent resident.

How much can I borrow on a 457 visa? 

The total amount loaned will depend on your situation,  your employment history, your salary and also your marital status.

80 % of total property purchase:

Basically any adult who is in Australia on a work visa can borrow up to 80% please note only a few banks happy to work with foreign citizens living in Australia.

90% of the total property purchase:

457 Visa holders can attain mortgage loans for up to 90% of the total property value if you have managed to save the deposit yourself(and can be shown so) - this has to be in either a savings account, a term deposit or in shares that you own. These funds can be stored in Australia or overseas.

95% of the total property purchase:

It gets harder at this level of mortgage borrowed. You can only get a home loan for 95% of the purchase value if you are married to, or in a de facto relationship with an Australian citizen or permanent resident.

There are special considerations given to the following categories of people :

Medical professionals: such as Doctors of Medicine (e.g. Anaethetist, Dermatologist, Gynaecologist), Dentists, Vets, Chiropractors, Optometrists, Surgeons, Physiotherapists, Radiologists, Osteopaths, Psychiatrists, Radiographers and Pharmacists) may be eligible for special loan packages on a case by case basis.

Can I get Pre-approval on a mortgage before arriving in Australia

  • A pre-approval for a 457 visa mortgage can be arranged before you arrive. You would need the following at least;
  • 20% deposit
  • Enough money to cover stamp duty and legal costs (about 4% of the purchase price)
  • Employed before you arrive -  preferably on a company transfer (you have been working in the company for some time somewhere else on the globe)


Sorry, unfortunately you cannot do this on a tourist visa. :)
 

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