Can I Buy? Visa-to-Buying Eligibility Checker

Not an established house until 30 June 2029 — foreign persons, including temporary residents, are banned from buying established dwellings. Temporary residents can still buy new dwellings, off-the-plan properties and vacant land with FIRB approval, or buy an established home jointly with an Australian citizen, PR or eligible NZ-citizen spouse.

Australian citizens, permanent residents, and New Zealand citizens on the Subclass 444 visa who are ordinarily resident in Australia. Everyone else is generally limited to new property and land until 30 June 2029.

PR is a repricing event: the FIRB requirement disappears, foreign buyer duty disappears, and the 5% deposit Home Guarantee Scheme opens up (provided every borrower qualifies). Sometimes waiting a few months for PR beats paying tens of thousands in foreign duty — the sequencing is worth a conversation.

Yes, in both directions. A partner who is a citizen, PR or eligible NZ citizen can open the established-home market through the joint-purchase exception. But for the Home Guarantee Scheme it cuts the other way — every borrower must qualify, so one temporary-resident partner rules the couple out.

No. It reflects the general settings as at July 2026 and can’t assess your individual circumstances. Confirm FIRB requirements at firb.gov.au, duty with the relevant state revenue office, and structuring with your solicitor.