Australia Property Investment Guide

Your Complete Guide to Buying Property in Australia

Updated February 1, 2026Intermediate25 min read

Rental yield
3.7%
Gross, indicative
Price growth
2.7%
Year on year · Oct 2026
Transfer tax
12.5%
Currency
AUD
Population
~27 million
GDP growth
~2.5% (forecast 2026)

Key takeaways

  • Foreign buyers must obtain FIRB approval before purchasing — applications typically cost $14,100+ for residential property under $1M, increasing for higher values
  • Foreign buyers are generally restricted to new-build properties (new dwellings, vacant land for development, or off-plan purchases)
  • Stamp duty is a significant cost — rates vary by state (typically 4-7% of purchase price) and are payable on exchange or settlement

Market Overview

Australia's economy continues to demonstrate resilience, supported by strong population growth through migration, robust commodity exports, and a diversified services sector. GDP growth is expected to be around 2.5% in 2026 as the RBA eases monetary policy. The housing market is experiencing sustained price growth driven by the severe supply-demand imbalance, with national dwelling values reaching record highs in 2025. Key risks include global economic uncertainty, China trade dependency, cost-of-living pressures, and construction sector constraints.

Country
Australia
Currency
AUD
Population
~27 million
GDP growth
~2.5% (forecast 2026)
Inflation
~3.5% (trending toward RBA 2-3% target band)

Key industries

  • Mining & Resources
  • Financial Services
  • Technology & Innovation
  • Agriculture & Food
  • Tourism & Hospitality
  • Education & Training
  • Healthcare

Restrictions

FIRB (Foreign Investment Review Board) Approval

Restrictive

The Foreign Investment Review Board (FIRB) regulates foreign investment in Australian residential property under the Foreign Acquisitions and Takeovers Act 1975.

  • Foreign buyers must obtain FIRB approval before purchasing any residential property
  • Foreign buyers are generally restricted to new-build properties (new dwellings, off-plan, vacant land for development)
  • Temporary visa holders may purchase one established dwelling as their residence (must sell upon departure)
  • FIRB application fees are non-refundable and start at $14,100 for properties under $1M
  • Penalties for non-compliance include civil penalties up to $525,000 for individuals and forced divestment
  • Australian citizens and permanent residents face no FIRB restrictions
  • New Zealand citizens with Special Category Visas are treated as temporary residents for FIRB purposes

Foreign Buyer Stamp Duty & Land Tax Surcharges

Restrictive

Several Australian states impose additional stamp duty surcharges and land tax surcharges on foreign purchasers of residential property.

  • NSW: 8% surcharge purchaser duty + 4% surcharge land tax
  • Victoria: 8% additional duty + 4% absentee owner surcharge
  • Queensland: 8% additional foreign acquirer duty (AFAD)
  • Western Australia: 7% foreign buyer duty surcharge
  • South Australia: 7% foreign ownership surcharge
  • Tasmania: 3% additional foreign investor duty
  • ACT: No foreign buyer surcharge (as of 2026)
  • These surcharges are in addition to standard stamp duty rates

APRA Lending Restrictions

Restrictive

APRA (Australian Prudential Regulation Authority) imposes lending standards that affect property investors, including serviceability buffers and LVR limits.

  • Banks must assess borrower serviceability at current rate plus 3% buffer
  • No formal LVR restrictions, but banks typically limit to 80% LVR without LMI
  • Foreign buyer lending typically capped at 60-70% LVR
  • Investor lending subject to additional scrutiny
  • Some lenders have reduced or ceased foreign buyer lending

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Taxes & Fees

Stamp Duty (Transfer Duty)

4-7% (varies by state and purchase price)

Stamp duty (transfer duty) is a state/territory tax payable on property purchases. Rates vary significantly by state and property value, typically ranging from 4-7% of the purchase price for properties above the median price. First-home buyers may qualify for reduced rates or exemptions.

Additional information

  • NSW: 1.25% up to $1M, 4.5% for $1M-3M, 5.5% above $3M (rates approximate)
  • VIC: Scaled from 1.4% to 6.5% depending on value
  • QLD: Scaled from 1.5% to 5.75%
  • WA: Scaled from 1.9% to 5.15%
  • SA: Scaled from 1% to 5.5%
  • First-home buyer concessions and exemptions available in most states

Foreign Buyer Stamp Duty Surcharge

7-8% additional (varies by state)

Most Australian states impose an additional stamp duty surcharge on foreign buyers of residential property. This is one of the highest foreign buyer surcharges globally and significantly increases the cost of acquisition for overseas purchasers.

Additional information

  • NSW: 8% surcharge purchaser duty
  • VIC: 8% additional duty
  • QLD: 8% additional foreign acquirer duty
  • WA: 7% foreign buyer surcharge
  • SA: 7% foreign ownership surcharge
  • This is payable IN ADDITION to standard stamp duty

Rental Income Tax

0% to 45% (progressive for residents); 30-45% for non-residents

Rental income is taxed at the landlord's marginal income tax rate. Australian tax residents benefit from negative gearing, allowing rental losses to offset other income. Depreciation deductions on the building and fixtures provide significant tax benefits for new properties.

Additional information

  • Tax brackets (2025-26): 0% ($0-$18,200), 16% ($18,201-$45,000), 30% ($45,001-$135,000), 37% ($135,001-$190,000), 45% ($190,001+)
  • Deductible expenses include mortgage interest, insurance, council rates, repairs, management fees, depreciation
  • Negative gearing: rental losses can be offset against other income (for Australian tax residents)
  • Non-residents taxed from the first dollar at 30-45% on Australian-source rental income

Capital Gains Tax (CGT)

Marginal tax rate on the gain (50% discount for residents holding >12 months); no discount for foreign residents

Capital gains on investment properties are included in the seller's assessable income. Australian tax residents who have held the property for more than 12 months receive a 50% CGT discount (i.e., only 50% of the gain is taxed). Foreign and temporary residents are not eligible for the 50% discount.

Exemptions

  • Main residence exemption (principal place of residence for Australian residents)
  • Partial exemptions for properties used as main residence for part of ownership period

Council Rates & Land Tax

Council rates: ~0.2-0.5% of capital value. Land tax: 0.3-2.5%+ of land value (varies by state, above threshold)

Council rates are levied by local government based on the property's assessed value. Land tax is a state tax levied annually on investment properties based on unimproved land value (above a tax-free threshold for residents). The main residence is generally exempt from land tax.

Additional information

  • Council rates vary by local government area — typically $1,000-$3,000/year for houses, less for apartments
  • Water rates charged separately in most states
  • State land tax applies to investment properties above a threshold (varies by state)
  • Foreign owners face surcharge land tax in most states (2-4% additional)

Legal & Professional Fees

Approximately $2,500-5,000 total (residents); $16,600-19,000+ (foreign buyers including FIRB)

Legal and professional fees associated with purchasing property in Australia. These are relatively modest compared to many international markets, though FIRB fees add significantly for foreign buyers.

Additional information

  • Solicitor/conveyancer: $1,500-3,500
  • Building and pest inspection: $500-800
  • Strata inspection report: $200-350
  • Property valuation (for mortgage): $300-600
  • Title search: $20-50
  • FIRB application fee: $14,100+ (foreign buyers)

Requirements

In-Person Visit

Optional

Australia does not require foreign buyers to visit before purchasing, but it is strongly recommended, particularly for established properties. Off-plan purchases can often be completed remotely with local legal representation.

Process

  1. Research and shortlist properties online
  2. Engage an Australian solicitor and buyer's agent remotely
  3. Visit Australia for inspections and final selection (recommended)
  4. Complete purchase with local legal representation

Corporate Structure / Trust

Optional

No specific corporate structure is required for Australian property purchase. Individuals, companies, and trusts can all hold property. However, the ownership structure has significant tax implications — Australian residents benefit from negative gearing and CGT discount in individual names, while companies pay flat 25-30% tax. Foreign-controlled entities are subject to FIRB requirements regardless of structure.

Alternatives

  • Purchase in individual name
  • Purchase through an Australian company (still subject to FIRB)
  • Family trust structure (subject to FIRB if foreign-controlled)

Australian Residency or Visa

Optional

Australian residency is not required to purchase property, but non-residents must obtain FIRB approval and are restricted to new-build properties. Australian citizens and permanent residents face no FIRB restrictions and can purchase any type of residential property. Temporary visa holders (e.g., student visas, work visas) may purchase one established dwelling as their residence, subject to FIRB approval and sale conditions upon departure.

Australian Bank Account

Optional

An Australian bank account is helpful for settlement, mortgage drawdowns, and ongoing property management (rates, insurance, strata levies) but is not strictly required — international transfers can be used. Opening an account requires identity verification under AML/KYC rules. Major banks may require in-person verification, though some offer remote options for international customers.

Process

  1. Visit an Australian bank branch with passport and proof of address (or apply remotely where available)
  2. Complete identity verification (AML/CTF requirements — 100-point ID check)
  3. Provide Tax File Number (TFN) or foreign tax ID
  4. Deposit minimum balance

Purchase Steps

  1. FIRB Application (Foreign Buyers)

    Duration
    30 days (standard processing)
    Cost
    $14,100+ (FIRB application fee for properties under $1M)

    Foreign buyers must apply to the Foreign Investment Review Board (FIRB) for approval before purchasing residential property. Applications are lodged online and typically approved within 30 days for standard new-build purchases. FIRB fees are non-refundable. Penalties for purchasing without approval are severe — up to $525,000 for individuals or forced divestment.

    Requirements

    • Completed FIRB application form
    • Application fee payment (non-refundable)
    • Details of the property or type of property intended to be purchased
    • Evidence of buyer identity and nationality

    Tips

    • Apply early — FIRB approval is a prerequisite for foreign buyers
    • Approval is typically property-specific or for a type/class of property
    • Keep approval documentation safe — you will need it for settlement

  2. Research & Pre-Approval

    Duration
    2-8 weeks
    Cost
    $0-500 (online research, agent discussions)

    Research target markets, property types, and budget. Engage a buyer's agent if desired. Obtain mortgage pre-approval from an Australian lender or arrange international financing. Understand state-specific stamp duty and surcharge costs. For new-build off-plan purchases, research the developer's track record.

    Requirements

    • Clear budget including all acquisition costs (stamp duty, FIRB fees, legal costs)
    • Financing pre-approval or proof of funds
    • FIRB approval (for foreign buyers)
    • Understanding of target market and property type

    Tips

    • Use Domain.com.au and realestate.com.au for property listings
    • Factor in all costs: stamp duty + foreign surcharge + FIRB fee + legal costs can add 15-20% to purchase price for foreign buyers
    • Engage a local solicitor or conveyancer early in the process

  3. Due Diligence

    Duration
    5-10 business days (cooling-off period varies by state)
    Cost
    $500-2,000 (building & pest inspection, strata report, legal review)

    Conduct thorough due diligence before committing. For existing properties, arrange building and pest inspections, review strata reports (for apartments), and have your solicitor review the contract of sale. For off-plan, review the disclosure statement, development plans, and developer financials.

    Requirements

    • Building and pest inspection ($500-800)
    • Strata inspection report for apartments ($200-350)
    • Solicitor/conveyancer review of contract of sale
    • Title search and encumbrance check

    Tips

    • Most states provide a cooling-off period (5-10 business days) after contract exchange — use this for final due diligence
    • Auction purchases have NO cooling-off period — complete all due diligence before bidding
    • Always check for flooding, bushfire, and contamination risks

  4. Contract Exchange

    Duration
    1-5 days for contract negotiation; cooling-off period varies by state
    Cost
    10% deposit (typically held in trust)

    Exchange contracts with the vendor. In most states, the buyer signs the contract, pays a deposit (usually 10%), and the contract becomes binding after the cooling-off period expires. For off-plan purchases, contracts are exchanged with the developer. Your solicitor handles the contract exchange process.

    Requirements

    • Signed contract of sale
    • Deposit (typically 10%) paid into trust account
    • FIRB approval documentation (foreign buyers)
    • Solicitor review completed

    Tips

    • Deposit is held in a trust account until settlement — not released to the vendor
    • Negotiate terms before exchange — it is difficult to change conditions after
    • Ensure your solicitor includes any special conditions you need (e.g., subject to finance)

  5. Settlement & Title Transfer

    Duration
    30-90 days from exchange (standard); 12-36 months for off-plan
    Cost
    Stamp duty (state-varying) + solicitor fees ($1,500-3,500) + other disbursements

    Your solicitor conducts final title searches, coordinates with your lender for mortgage drawdown, and prepares transfer documents. On settlement day, funds are transferred electronically (PEXA in most states), stamp duty is paid, and title is registered in your name. Keys are released once settlement is confirmed.

    Requirements

    • Final title search clear
    • Mortgage funds available for drawdown
    • Stamp duty payment arranged
    • Building insurance arranged (required by lender)
    • All adjustments (rates, levies) calculated

    Tips

    • Settlement is typically electronic via PEXA — your solicitor handles this
    • Stamp duty must be paid by the due date (varies by state — typically within 30-90 days of exchange)
    • Arrange building insurance from the date of exchange or settlement (check your contract)

Property Types

Apartments & Units

Apartments and units in multi-unit developments, predominantly in Sydney, Melbourne, Brisbane, Perth, Gold Coast, and Adelaide. The Australian apartment market is well-established, with new developments offering modern amenities and energy-efficient designs. New-build apartments are the primary pathway for overseas buyers due to FIRB restrictions.

Advantages

  • Lower entry price point than houses in the same area
  • Lower maintenance — body corporate handles common areas and building exterior
  • Available to foreign buyers (new-build apartments with FIRB approval)
  • Strong rental demand in capital city CBDs and inner suburbs
  • Amenities (gym, pool, concierge) in larger developments

Disadvantages

  • Body corporate (strata) levies can be significant ($3,000-10,000+/year)
  • Defect risk in newer buildings — NSW and QLD have introduced building commission oversight
  • Typically lower capital appreciation than houses over long term
  • Body corporate decisions affect all owners
  • Potential oversupply in some CBD apartment markets (particularly Melbourne)
Typical timeline
5-10 business days for contract review (cooling-off); 30-90 days to settlement
Financing options
Standard bank mortgage (80% LVR for residents), Foreign buyer mortgage (60-70% LVR), Developer deposit structures for off-plan, First Home Guarantee (5% deposit for eligible buyers)

Off-Plan / New Build

Properties purchased during the development phase, primarily apartments, townhouses, and house & land packages. Off-plan purchases are the primary pathway for overseas investors due to FIRB restrictions. Australia has a robust developer market with strong consumer protections including sunset clauses and statutory warranties.

Advantages

  • Brand new construction with modern building standards and warranties
  • Available to foreign buyers with FIRB approval
  • Potential stamp duty concessions (varies by state)
  • Depreciation benefits for tax purposes (new building and fixtures)
  • Lock in today's price with settlement 12-36 months later

Disadvantages

  • Construction delay risk (labour and material shortages remain an issue)
  • Developer solvency risk — research developer track record thoroughly
  • Final product may differ from display suite or marketing materials
  • Settlement risk if buyer's financial circumstances or property values change
  • Market conditions may shift during the 12-36 month construction period
Typical timeline
12-36 months from purchase to settlement (varies by development stage)
Financing options
10% deposit at exchange, balance at settlement, Bank pre-approval for settlement financing, Developer payment plans (where offered), Foreign buyer finance from Australian or international banks

Houses & House-and-Land Packages

Standalone houses on freehold (Torrens) title. Houses remain the most sought-after property type in Australia, commanding premium prices particularly in Sydney, Melbourne, and coastal markets. House & land packages in growth corridors offer new-build options. Note: foreign buyers generally cannot purchase established houses — only new builds or vacant land for development.

Advantages

  • Freehold ownership of land and building
  • Strongest long-term capital appreciation in Australian market
  • Full control over property modifications (subject to council approval)
  • Land value component provides strong inflation hedge
  • Subdivision and development potential for larger blocks

Disadvantages

  • Highest entry price (Sydney median house price ~$1.6M AUD)
  • Full maintenance responsibility
  • Established houses not available to foreign buyers under FIRB rules
  • Higher insurance costs (natural disaster risk varies by region)
  • Land tax applies to investment properties in most states
Typical timeline
5-10 business days cooling-off; 30-90 days to settlement (established). House & land: 6-18 months build time
Financing options
Standard bank mortgage (80% LVR for residents), House & land packages with progressive drawdowns, Bridging finance for buying before selling, First Home Guarantee for eligible buyers

Investment Drivers

Resilient Economy & Asian Trade Links

PositiveLong termHigh confidence

Australia has enjoyed over 30 years without a recession (prior to the brief COVID contraction), underpinned by strong institutions, diversified trade relationships, and abundant natural resources. The economy benefits from proximity to Asian growth markets, particularly China, India, and Southeast Asia. GDP growth is supported by strong population growth, infrastructure investment, and a resilient services sector.

Chronic Housing Undersupply

PositiveLong termHigh confidence

Australia faces a significant structural housing shortage, with estimates suggesting a deficit of 100,000-200,000 dwellings nationally. Record net migration (500,000+ in 2023) has intensified demand, while construction activity has not kept pace due to labour shortages, rising material costs, and planning delays. The National Housing Accord targets 1.2 million new homes over 5 years from 2024, but industry consensus is this target will be difficult to achieve.

Tight Rental Market & Strong Yields

PositiveMedium termHigh confidence

Australia is experiencing historically low rental vacancy rates (below 1.5% in most capital cities) and strong rental growth (8-12% per annum in recent years). The tight rental market supports strong yields for investors and provides downside protection for property values. Vacancy rates are expected to remain low given the housing supply-demand imbalance.

World-Class Lifestyle & Liveability

PositiveLong termHigh confidence

Australia consistently ranks among the world's most liveable countries, with cities like Melbourne, Sydney, Adelaide, and Brisbane regularly appearing in global liveability indexes. The lifestyle appeal — beaches, climate, healthcare, education, safety, and multicultural society — drives sustained demand from both domestic and international buyers.

Foreign Investment Restrictions

NeutralLong termMedium confidence

Foreign buyers must obtain FIRB approval and are generally restricted to purchasing new-build properties. Additional foreign buyer stamp duty surcharges (7-8% in NSW/VIC/QLD/WA) and land tax surcharges significantly increase acquisition costs for overseas purchasers. These restrictions limit foreign competition in the established property market but create specific opportunities in the new-build segment.

AUD Currency Dynamics

NeutralLong termMedium confidence

The AUD is a freely-traded, liquid currency that tends to correlate with global commodity prices and risk sentiment. For international investors, AUD-denominated assets can provide portfolio diversification. The currency has historically been volatile against USD, EUR, and GBP, creating both opportunities and risks for foreign investors.

Market Trends

Price growth

National median: 5-8% (2025). Sydney: 5-7%, Melbourne: 2-4%, Brisbane: 8-10%, Perth: 10-15%, Adelaide: 8-12%, Gold Coast: 6-9%

Rental yield

National avg: 3.5-5.5% gross. Sydney: 3.0-4.0%, Melbourne: 3.5-4.5%, Brisbane: 4.0-5.0%, Perth: 4.5-5.5%, Adelaide: 4.0-5.0%, Gold Coast: 4.0-5.0%

Market activity

Transaction volumes have recovered from 2022 lows, with strong buyer activity across most capital cities. First-home buyers active due to government incentives. Investor activity increasing as rental yields strengthen. Interstate migration continues to support Brisbane, Perth, and Adelaide markets.

Forecast

National dwelling values expected to grow 3-6% in 2026, supported by population growth, housing undersupply, and potential RBA rate cuts. Sydney and Brisbane expected to lead growth. Perth and Adelaide showing strong momentum. Melbourne recovery expected as affordability attracts buyers. Rental market to remain tight with vacancy rates below 2% nationally.

Visa & Residency

Australia offers several visa pathways relevant to property investors. The Significant Investor Visa (SIV, subclass 188C) is the primary residency-by-investment pathway, requiring a minimum AUD $5 million investment in complying investments. Property purchase alone does not qualify for any visa, but the SIV provides a pathway to permanent residency.

Significant Investor Visa (SIV — Subclass 188C)

The Significant Investor Visa (SIV) requires a minimum AUD $5 million investment in complying investments for at least 4 years. Complying investments include Australian venture capital, emerging companies, and balancing investments (managed funds). Direct residential property investment does NOT qualify as a complying investment. After 4 years, applicants can apply for permanent residency (subclass 888C).

Minimum investment
AUD $5 million in complying investments (not residential property)
Duration
4 years provisional visa, then pathway to permanent residency
Processing time
6-12 months

Benefits

  • Provisional visa leading to permanent residency
  • Ability to reside in Australia during the investment period
  • Access to Australian healthcare (Medicare) upon permanent residency
  • Pathway to Australian citizenship after permanent residency
  • Family members can be included in the application

Requirements

  • Minimum AUD $5 million in complying investments
  • Nominated by an Australian state or territory government
  • Meet health and character requirements
  • Demonstrate genuine intention to reside in Australia
  • Spend a minimum of 40 days per year in Australia during the provisional period

Skilled Migration / Employer-Sponsored Visa

Skilled workers with employer sponsorship or through the points-based system can obtain work visas leading to permanent residency. Once granted permanent residency, there are no FIRB restrictions on property purchase. This is the most common pathway for overseas buyers seeking to purchase established property.

Minimum investment
N/A (employment-based)
Duration
Up to 4 years (employer-sponsored); pathway to permanent residency
Processing time
2-12 months (varies by visa subclass)

Benefits

  • Work rights in Australia
  • Pathway to permanent residency
  • Access to Medicare (upon permanent residency)
  • Ability to purchase established property as principal residence (with FIRB approval)

Requirements

  • Skills assessment in an eligible occupation
  • English language proficiency (IELTS or equivalent)
  • Meet health and character requirements
  • Employer sponsorship or sufficient points score (for independent skilled visa)

Visa and residency requirements change frequently. The information above is current as of early 2026 but should be verified with the Australian Department of Home Affairs or a registered migration agent before making investment decisions.

Financing

Australia has a mature and well-regulated mortgage market dominated by the "Big Four" banks — Commonwealth Bank of Australia (CBA), Westpac, ANZ, and National Australia Bank (NAB) — alongside numerous regional banks, credit unions, and non-bank lenders. The Reserve Bank of Australia (RBA) sets monetary policy via the cash rate, while APRA imposes macro-prudential regulations on lending standards. Interest rates peaked in 2023-2024 and are beginning to ease. Foreign buyers can access Australian mortgages but face stricter conditions, higher rates, and must have FIRB approval.

Mortgage availability

Open to foreign buyers

Australian banks offer mortgages to residents and citizens with competitive rates. Some major banks (CBA, Westpac, ANZ, NAB) and non-bank lenders also lend to qualifying foreign buyers, though with stricter criteria — typically lower LVR (maximum 70%), higher interest rates (1-2% premium), and minimum loan amounts. APRA (Australian Prudential Regulation Authority) regulates lending standards. Foreign buyers must also obtain FIRB approval before purchasing.

Typical LTV
80% for residents (up to 95% with LMI); 60-70% for foreign buyers
Interest rates
5.5-7.0% (2026; variable and fixed rates available)
Term length
Up to 30 years (25-30 years standard; interest-only periods available for investors, typically 5 years)

Requirements

  • Australian citizen, permanent resident, or qualifying visa holder (or FIRB-approved foreign buyer)
  • Proof of income (payslips, tax returns, or business financials)
  • Bank statements (typically 3-6 months)
  • Tax File Number (TFN) for residents, or foreign tax ID
  • Minimum 20% deposit for most buyers (5% with First Home Guarantee)
  • Minimum 30% deposit for foreign buyers (some lenders require 40%)
  • Satisfactory credit history
  • Property valuation arranged by the lender

Alternative financing

First Home Buyer Grants & GuaranteesAvailable to eligible first-home buyers in each state/territory
Australian states and territories offer various first-home buyer grants and stamp duty concessions. The federal First Home Guarantee (formerly First Home Loan Deposit Scheme) allows eligible buyers to purchase with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI). State-level grants of $10,000-$30,000 are available for new builds depending on jurisdiction.
Developer Deposit Structures (Off-Plan)Standard for off-plan apartment and house & land package purchases
Australian developers typically require a 10% deposit at contract exchange, with the balance due at settlement upon completion (often 12-36 months later). Some developers offer extended deposit structures or installment plans. Sunset clauses protect buyers if construction is significantly delayed. Off-plan purchases may attract stamp duty savings in some states.
First Home Super Saver Scheme (FHSSS)Available to eligible first-home buyers with participating super funds
The First Home Super Saver Scheme (FHSSS) allows first-home buyers to withdraw voluntary superannuation contributions (up to $50,000) to use as a deposit. Contributions are taxed at 15% going in (vs marginal rate) and withdrawals are taxed at marginal rate minus 30% offset, providing a net tax benefit. Participants must have made voluntary contributions within the scheme framework.

Australian mortgage products, interest rates, and lending criteria change regularly based on RBA policy and APRA regulations. Foreign buyers face additional restrictions and higher costs. Consult an Australian mortgage broker and property lawyer before committing to financing.

Figures are indicative and subject to change. Regulations, taxes and market conditions vary by jurisdiction. Do your own due diligence and seek independent legal and financial advice.

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