Loans for New Australians, Migrants, and Non-Residents
From one migrant to another:
Let’s get you approved.
Whether your dream is home ownership, a new car, or starting a business, we make anything possible. Specialising in Home, Business, and Personal Loans for Adelaide’s Migrant Community.
Why choose a Migrant-Specialist Broker?
At Kwelii, we understand the unique challenges that migrants and non-residents face when securing finance in Australia. As migrants, home and business owners, we have lived experience, giving us a deep understanding of the hurdles and barriers you face and how to overcome them. We’re not like the big banks, we partner with over 30+ lenders, giving us the flexibility to find the right financial solutions to navigate the complexities of the migrant journey.
No Australian Credit History?
We look at your current financial picture, including income payments, employment details, current savings, and bill payment history to build a case for your approval.
Earning Foreign Income?
We partner with lenders who recognise international earnings and overseas assets.
Temporary Resident Status?
We help to navigate the specific visa requirements for temporary working visa holders.
Who do we help?
New Australians, Partner Visas, Permanent Residency, Non-Resident Working Visas
We speak your language.
We speak English, French, Swahili and the language of Australian banks.
Buying a home or starting a business is a massive milestone. It’s even more significant when you’re doing it in a new country. Sometimes it is just easier to talk to someone in your own language. We can help clarify the loan approval process and translate complex financial terms, reducing confusion and building confidence in the loan approval process.
english
français
kiswahili
Frequently Asked Questions
Can I buy a home if I am not a Permanent Resident yet?
Yes! Many skilled visa holders (like 482 or 491) can secure finance. While some banks require a 20% deposit for temporary residents, we have access to lenders who may consider a smaller deposit depending on your profession and visa length.
Do I have to pay extra fees as a migrant?
If you are not a Permanent Resident or Australian Citizen, you may need FIRB approval and potentially a “Foreign Buyer Surcharge” on stamp duty. We will calculate these costs upfront so you can plan ahead.
Can I use foreign income to apply for a loan?
Some lenders will consider foreign income, but policies vary. We work with lenders who are more flexible and can assess overseas earnings depending on your situation.
Can I get a home loan on a Partner Visa?
Yes, many lenders consider Partner Visa holders for home loans, especially if you have stable income and a clear pathway to permanent residency. Lending criteria vary, so we help match you with lenders suited to your situation.