491
The regional skilled family
“Are we really meant to rent for another four years?”
Property Pathway
On a temporary visa? Your Australian home journey may be closer than you think.
If you’re on a 491, 482, 485 or another eligible temporary visa, waiting for permanent residency may not be your only option.
CALCULATE MY PROPERTY PATHWAY
Takes only a few minutes · No obligation
VIC · QLD · SA — estimates only, rates verified August 2026.
Before you wait
Thinking you’ll just wait for PR?
For some buyers, waiting may be the right decision.
But before putting home ownership on hold for several years, it is worth understanding what may already be possible today.
Understand first. Decide second.
What the calculator shows
What could buying actually require?
01
How much could I need?
Your estimated minimum contribution and upfront funds.
02
What government costs may apply?
Transfer duty, foreign purchaser costs and estimated foreign investment fees where applicable.
03
How far am I from being ready?
Compare your available savings with your estimated upfront requirement.
A plan for where you are today — not where you hope your visa will be in several years.
Understanding your position now can help you make a more informed decision about what comes next.
Your numbers. Your position.
See what your property pathway could look like.
START MY CALCULATION
Approximately 3 minutes · No obligation
We estimate
- Property value
- Indicative finance scenario
- Purchaser contribution
- State transfer duty
- Applicable foreign purchaser charges
- Estimated foreign investment application fee
- Other estimated upfront costs
- Your potential funding gap
Estimates for planning purposes only. Not a quote, pre-approval or assessment of your eligibility.
Strategy
Not ready today doesn’t always mean no.
Sometimes the answer isn’t finding more money immediately. It may be finding the right property and the right timeframe.
- 1Secure
- 2Save
- 3Settle
- 4Build
- 5Home
Some house and land opportunities may have future settlement or title timeframes. Depending on the individual property and your circumstances, that additional time may allow you to continue building your savings before settlement obligations arise.
See an illustrative example
Today · savings
$90,000
Illustrative requirement
$135,000
Funding gap
$45,000
If settlement were approximately 18 months away:
$45,000 ÷ 18 ≈ $2,500 per month
Illustrative example only. Figures are simple arithmetic used to explain the concept and are not a quote, an assessment of your position or a representation of any particular outcome.
Availability, deposit requirements, finance, settlement timing and eligibility vary by property and purchaser. Individual assessment is required. Registration dates, construction completion, settlement dates, future property values and finance approval cannot be guaranteed.
Perspective
What does waiting really mean for your plan?
Waiting may be right for some people. But waiting several years is still a financial and lifestyle decision, and it is worth comparing that option with what may be available now.
Today
$700,000
Illustrative property value
4 YEARS WAITING
Future illustrative value
$818,901 – $850,854
At 4% p.a. growth over 4 years
Select an illustrative annual growth assumption
For some people, waiting may be the right decision. But it should be an informed decision.
Illustration only. Property values can rise, fall or remain unchanged. Future growth is not guaranteed and this is not a forecast or financial advice.
Illustrative buyer scenarios
Different visas. The same unanswered question.
482
The sponsored professional couple
“Do we really need to wait until PR?”
485
The recent graduate building a base
“Is this three years away, or closer than I assume?”
Hypothetical scenarios for illustration only. They are not Landmark clients, testimonials or representations of any particular outcome.
Your home
This isn’t only about what you can borrow.
It’s about understanding what it could take to get from where you are today to a home of your own in Australia.
Landmark Property Australia
Your numbers are only the beginning.
A calculator can estimate the numbers.
The next step is understanding what those numbers mean for you — your visa, savings, timeframe and the type of property that may suit your position.
Speak with Landmark Property Australia about your Property Pathway.
Prefer to talk in Sinhala?
That’s absolutely fine. Your Property Pathway discussion can be in English or Sinhala.
සිංහලෙන් කතා කරන්නත් පුළුවන්.
Landmark Property Australia does not provide immigration or legal advice.
Let’s understand your position.
Book a Property Pathway call to discuss your calculator result, current savings, timeframe and suitable property strategies.
BOOK MY PROPERTY PATHWAY CALL
English or Sinhala · No obligation
Complete your calculation first — your booking times appear with your result so we can discuss your actual numbers.
Why Landmark
We don’t start with a property. We start with your position.
01
Research-led
Property assessed on documented research, not incentives attached to one project.
02
Property strategy
The purchase range, structure and timeframe that may fit your circumstances.
03
Financial clarity
Duty, surcharges and foreign investment fees itemised — never buried.
04
Personal guidance
A conversation about your position, in English or Sinhala.
Reference
Buying on a temporary visa — what are the rules?
Foreign investment approval and foreign purchaser costs may apply depending on your circumstances.
Understand foreign investment requirementsWhat temporary visa holders may purchase.
Temporary visa holders may be able to seek foreign-investment approval to acquire vacant residential land and build a new dwelling. Approvals can include conditions relating to development of the land and completion of construction within the required timeframe.
Under the current Commonwealth settings, foreign persons are generally prohibited from purchasing established residential dwellings from 1 April 2025 to 30 June 2029, subject to limited exceptions. This is one reason the Landmark Temporary Visa Property Pathway focuses principally on new house & land opportunities.
Where a foreign person acquires residential land as joint tenants with a spouse who is an Australian citizen or permanent resident, a separate foreign-investment application is generally not required. Holding the property as tenants in common does not attract the same treatment, so how the property is held matters.
Understand foreign purchaser costsState surcharges and ongoing obligations.
State foreign purchaser surcharges are assessed separately from Commonwealth fees and may apply to the foreign purchaser’s interest. Victoria, Queensland and South Australia have materially different duty, surcharge and concession settings, and some settings change on specific dates. Our estimates reflect published rates last verified August 2026.
Foreign ownership registration. Foreign persons acquiring Australian residential land may have registration/reporting obligations under Australia’s foreign ownership framework.
Vacancy requirements. Foreign owners of Australian residential property may have ongoing vacancy reporting obligations and a vacancy fee may apply in relevant circumstances. These are ongoing compliance obligations and are not included in the estimated upfront funds required.
How house & land contracts workTwo separate contracts: land and building.
New house & land opportunities are generally structured using a separate land contract (the purchase of the registered or future-title land) and a separate building contract with the builder for construction of the new home.
A separate land and building structure can create a different purchase-cost profile from buying a completed property, depending on the transaction and the rules in the relevant state.
Outcomes depend on the specific transaction, contract structure, eligibility and state legislation. Nothing here should be taken as a representation that duty or other charges can be avoided.
Finance informationA temporary visa doesn't automatically mean a 20% deposit.
Depending on your visa, income, employment, property and lender assessment, finance of up to 90% of the property value may be available in some circumstances. The calculator also models 85% and 80% scenarios.
Indicative only. Lending criteria, lender policy, LMI or other lender charges, valuation, visa status and individual credit assessment apply. Finance is not guaranteed, and these scenarios are modelling assumptions — not an offer, pre-approval or assessment of your eligibility.
Questions
Frequently asked
Can I buy property in Australia on a temporary visa?
Temporary visa holders may be able to purchase certain types of Australian residential property, subject to foreign-investment rules and applicable approvals. Current rules generally support foreign investment into new dwellings and vacant residential land for development, while foreign persons are generally restricted from purchasing established dwellings, subject to limited exceptions. Landmark focuses this pathway principally on new house & land opportunities.
Why are the costs higher than the deposit alone?
In addition to the purchaser contribution, buyers typically face transfer duty, a foreign purchaser surcharge where applicable, Commonwealth foreign investment fees, registration fees and legal costs. The calculator itemises each.
Do the rules differ between VIC, QLD and SA?
Yes. Duty scales, surcharge rates, exemptions and concessions differ by state, and some settings change on specific dates. Our estimates reflect published rates last verified August 2026.
Does buying property help my visa or residency application?
No. Property ownership does not provide or guarantee Australian permanent residency, citizenship or any particular visa outcome.
Is the calculator a quote or an approval?
Neither. It produces estimates for planning purposes only. Final costs and finance eligibility must be confirmed with your conveyancer, lender and the relevant government authority.