491 Visa Loan Services for Your Dream Property in Australia. Let’s Talk.
Why Choose Us
Trust - We strictly follow the FBAA code of conduct, prioritising your best interests in all our advisory services.
Qualifications - We are a member of FBAA, an Australian Credit Representative, and a Chartered Accountant (CA).
Lending Partners - Gain entry to a network featuring over 35 trustworthy lenders, including some that offer specialised loan products for 491 Visa holders.
Expertise - Benefit from our extensive 15-year track record in finance.
Availability - We're at your service 7 days a week, including Sundays.
Finance Up to 95% of Property Value: Our flexible lending solutions allow you to borrow nearly the total value of your dream home.
Competitive Interest Rates: Benefit from attractive interest rates that make your investment worthwhile.
Zero-Cost Service, No Hidden Obligations: Experience a seamless, free service that puts your needs first without any hidden strings.
Testimonials
“Jai Nepal Loans helped me navigate the complex landscape of homeownership as a 491 Visa holder. Their quick and responsive approval solution and exceptional guidance made the entire experience seamless and stress-free. Highly recommended!" - Suman M
“As a 491 Visa recipient, homeownership seemed complex. Jai Nepal Loans was incredibly responsive, helping me navigate it with their rapid approval process and excellent guidance. Their solution made everything incredibly easy. I couldn't be happier!" - Anjali T
"Owning a home seemed like a complex challenge with my 491 Visa status. Jai Nepal Loans offered the perfect solution, helping me navigate the process with swift, responsive approvals and top-notch guidance. They took all the stress out of the equation. A big thumbs up from me!" - Sunita B.
Visa 491 Loan Faq
1. Can I get a home loan with a 491 Visa?
Absolutely! At Jai Nepal Loans, we specialise in guiding 491 Visa holders through the complex process of securing a home loan tailored to their unique needs.
2.Will I be charged higher interest rates because I hold a 491 Visa?
No, you won't. Jai Nepal Loans believes in offering equitable services, which means you get the same competitive interest rates as Australian citizens or permanent residents.
3.How much can I borrow as a 491 Visa holder?
Your borrowing capacity can vary, but generally, you could borrow between 70% and 95% of the property value. When determining how much you can borrow, we consider multiple factors, such as your income, job stability, and credit history.
4.Can I borrow more than 80% of the property's value?
Yes, it's possible. At Jai Nepal Loans, we evaluate your borrowing capacity based on your visa type, profession, financial standing, and individual circumstances to give you the best options.
5. What kind of deposit will I need?
With Jai Nepal Loans, you only need a 5% deposit, plus any applicable stamp duty and fees, depending on your specific situation.
6. Do all lenders provide home loans to 491 Visa holders?
Not all lenders offer this service, but Jai Nepal Loans is an expert in navigating the mortgage landscape for 491 Visa holders.
7. How can I start the application process?
Contact one of our experienced mortgage brokers at Jai Nepal Loans. We'll provide personalised guidance to find a home loan that best suits your needs.
8. What factors could affect my eligibility?
Critical eligibility criteria include your visa status, employment stability, financial health, and credit score. We consider all these factors to offer you a tailored loan solution.
9. Are there special conditions if I am married to an Australian citizen?
Yes, if you are married to or in a de facto relationship with an Australian citizen or permanent resident, you could be eligible to borrow up to 95% of the property value.
10. Where can I get more information?
For a detailed, custom guide on 491 Visa home loans, don't hesitate to contact us at Jai Nepal Loans. Our experts are available 7 days a week to assist you.
4 Easy Steps Process
1. Make an appointment, and let us understand your situation. 100% Free.
2. From here, we take over and look for the best loan option and provide you with a quote.
3. If you choose to accept the offer, we will proceed and prepare the necessary documents to sign.
4. Loan approval (usually within 2-6 weeks).