Living in Australia on a Skills in Demand Visa (Subclass 482), Skilled Independent PR (Subclass 189/190), or Citizenship? Invest in your dream home in India. Compare top banks, check eligibility in minutes, and get in-principle approval in 72 hours — all from Australia.
Dedicated NRI experts who understand the unique challenges of applying for an Indian home loan from Australia.
Our advisors understand all major Australia residency profiles—including SID Visa (Subclass 482), Skilled PR (189, 190, 491), Employer Nomination Scheme (186), and Australian Citizens of Indian origin—ensuring your application is structured correctly for Indian banks, whether you're in Sydney, Melbourne, Brisbane, Perth, or Adelaide.
Full guidance on FEMA regulations, NRE/NRO account requirements, and RBI guidelines — so you face zero legal complications from Australia.
With our pre-verified NRI application process, get a confirmed in-principle sanction letter within 72 hours — without travelling to India.
We help you link your NRE/NRO account for seamless monthly EMI repayment directly from Australia — 100% FEMA compliant.
We guide you through notarizing your Specific Power of Attorney at the High Commission of India in Canberra or the Indian Consulates in Sydney and Melbourne.
One point of contact throughout your entire journey — from document collection to final loan disbursement.
Enter your Australian dollar salary and find out the exact loan amount you can get from top Indian banks — SBI, HDFC, ICICI, Axis Bank, Kotak Mahindra Bank other partner banks.
WhatsApp or call our Australia NRI experts. Share your AUD salary, visa type, and India property requirement. Get eligibility confirmed within 24 hours
Share all documents digitally via WhatsApp or secure portal. No physical paperwork needs to be sent to India.
We apply to the most suitable Indian bank for your AUD income and NRI profile. Get in-principle approval typically within 72 hours.
Bank's legal panel verifies property documents in India. Our team coordinates property valuation and registry paperwork on your behalf.
Loan amount directly credited to builder or seller. EMI starts from your NRE/NRO account. Move into your dream home.
Yes. Non-Resident Indians residing in Australia — whether on a Skills in Demand Visa (SID Subclass 482), Skilled Independent PR (189/190), Employer Nomination Scheme (186), Regional Skilled (491), or Australian Citizenship of Indian origin — can freely purchase residential and commercial property in India. Under FEMA, no special RBI permission is required.
NRIs cannot purchase agricultural land, farmhouses, or plantation properties in India.
ICICI Bank explicitly lists Australia in its eligible country list for NRI home loans and requires an overseas credit report not older than 45 days for Australia-based NRI applicants. SBI, HDFC, Axis Bank, and Kotak Mahindra Bank also actively service Australia-based NRIs.
⚠️ FEMA Rule: All NRI home loan EMI repayments must be routed through NRE / NRO / FCNR accounts or via direct inward remittances through banking channels only.
Australia’s Skills in Demand (SID) Visa (Subclass 482) replaced the Temporary Skill Shortage (TSS) visa. The Department of Home Affairs has confirmed the annual indexation of salary thresholds. The Core Skills Income Threshold (CSIT) will rise from AUD 76,515 to AUD 79,499, and the Specialist Skills Income Threshold (SSIT) will increase from AUD 141,210 to AUD 146,717 — both effective from nominations lodged on or after 1 July 2026.
Key SID visa streams for Indian professionals:
For Indian banks, these government-regulated salary thresholds provide strong income documentation for NRI home loan eligibility.
Indian banks convert your AUD gross salary to INR at the prevailing RBI rate (approx. 1 AUD = ₹55 in 2026):
Banks finance 75–85% of property value.
ICICI Bank requires an overseas credit report for Australia-based NRI applicants — the report must not be older than 45 days. Australia has three main credit bureaus: Equifax Australia, Experian Australia, and illion. A score of 600+ is generally preferred. We guide you on obtaining and submitting the correct Australian credit report.
The PoA must be notarized and attested at:
We provide ready-to-use Specific PoA formats and complete attestation guidance.
Australia NRIs filing income tax returns in India can claim:
Note: India and Australia have a Double Taxation Avoidance Agreement (DTAA). Consult a cross-border tax advisor for personalised guidance.
Yes. SID Visa (482) holders are fully eligible. Australia is explicitly listed by ICICI Bank, SBI, HDFC, Axis Bank, and Kotak Mahindra Bank as an eligible NRI home loan country. You need a valid 482 visa, minimum AUD 73,150/year salary (Core Skills), or AUD 141,210/year (Specialist Skills), and an Australian credit report.
The Core Skills Income Threshold rises to AUD 79,499/year from July 1, 2026. The Specialist Skills threshold rises to AUD 146,717/year from July 1, 2026. These officially documented salary levels serve as strong income proof for Indian banks when assessing your NRI home loan eligibility.
In-principle approval: 48–72 hours with complete documents. Final sanction: 10–15 working days. Disbursement after property registration in India.
A dedicated Australia NRI expert will contact you within 2 business hours.
