snufkin

On 25/07/2021 at 23:15, Metoo said:

We are in the process of buying a house with Westpac. They wanted to see the last 3 months pay slips. They already knew our bank details as we bank with them anyway.

I have been in my casual job for 5 yrs, hubby is on permanent contract for the past year in his current job.

Good luck with your move, very exciting times.

Metoo

Thank you...it is exciting so much to do and worrying about our flight too!  

9 hours ago, Tulip1 said:

I’ve no idea how Australia see non permanent jobs but in the U.K. you would struggle to get a mortgage with one.  Our countries seem to have many very similar laws/rules so it may well be the same. Your deposit may be nice but it doesn’t pay the monthly mortgage payment so wouldn’t be taken into account.  The bottom line is you have to document (as does the lender) ongoing affordability.    Like most things though if you look hard enough and are happy to pay a premium such things can often be found.  It would be a good idea to check out the criteria on some of the big banks/lenders websites.  I think casual/non permanent work would be similar to self employed status.   Self employed people do get mortgages of course but only once they can document a few years of accounts. 

Absolutely I will have a look....sometimes hard to find the details of employment/credit requirements

8 hours ago, Marisawright said:

You are right, I should have said “as soon as you can get a permanent job” and if there is a probationary period, they won’t look at you till that’s over

Good to know that credit rating is not be all and end all though! 

17 hours ago, can1983 said:

In my experience you need a permanent ongoing job that you have had for 3 months and not be in a probation period. Based on my experience 2 1/2 years ago.

Is that how long it took you to become permanent? 

I guess we will aim for getting permanent contracts after a three month probation I'm sure that's possible even if not easy!

18 hours ago, can1983 said:

Its probably a reasonable conclusion as stamp duty is into $10's of thousand.

But I cannot overstress how silly the market in all of tassie is at the moment. We have owned our house for 2 1/2 years and in that time it has risen by approximately 35% based on the recent sale of a neighbour's house and the real estate who represented the previous owner revaluing our house.

We literally would not be able to buy our house today and we have only owned it for such a short time

Market might be silly...but we're moving to Tassie and will buy a house. And that's life!

My question was actually how long before we could get a mortgage! 

Just now, Marisawright said:

That would end up costing you far more than renting for a year, more than likely.

Fair enough... haven't bought and sold in aus before, just thought with house prices rising etc! 

I guess the alternative would be to buy something much small outright and live for a year or so and then apply for mortgage later.

Would fees/stamp duty solicitors fees etc make that totally non-viable? 

8 hours ago, can1983 said:

I'm sure you are aware that buying a house at the moment in Hobart is very tricky, not impossible but very stressful. There isn't much for sale and what there is is hugely inflated. I can't see how you will avoid renting for a year or so to build up a credit rating and find a house you want to buy and the vendor agrees to sell to you and not to the other 10 offers they have received.

We moved over in October 2017 and weren't in a position to buy until mid 2018 in terms of mortgage we had 40% LTV. We found our house in November 2018 and moved in Feb 2019. In the meantime we had to rent (reluctantly).

We've been watching the market, but looking outside of Hobart (up to 45 mins away) and can stay with family in meantime. We did live in aus until 2015 so hopefully that gives us some credit history and we've kept our bank accounts running. Totally hear you about the vendors choosing someone else...I guess I'm more interested in when we are even be able to get a mortgage offer to start seriously looking. We both work in "stable" professions and my husband is from Hobart too and still have some work connections so hopefully he can get references. But thanks for the words of warnings we will be mentally prepared for a long wait! 

31 minutes ago, calNgary said:

I would imagine as a citizen with a 50% deposit you would be able to secure one as soon as you can provide proof of an income decent enough to cover repayments . But i am not an expert so hopefully someone with up to date knowledge will be along soon.

Where in Aus are you heading too?

 Cal x

Tassie, Hobart region... I hope that's the case too but hard to know in these uncertain times if they want a long Australian work record and permanent position of the bat. We're going to stay with family initially and I was hoping to not have to rent but get a mortgage asap and hopefully find a place we like, if the stars align for us. X

Hi,

We have been planning a return to Oz for ages and finally looks like it will happen

We (aus citizen and pr Brit) want to buy a house as soon as possible to get settled in. How soon after starting work can we get a mortgage considering that jobs are most likely to not be permanent to start with. We will have a 50% deposit on the LTV we are looking for. Is it possible to get a mortgage without a permanent position? If not how long do we need to be in a permanent position to get a loan.

Thanks 

3 hours ago, VERYSTORMY said:

Yes, as soon as you arrive you just need to go to centrelink and they will arrange a new card. You will get a temporary number on the day to use until your card arrives by post. 

Brilliant thank you for your help. Now to hope everything goes smoothly through the quarantine period!

Yes, it expires 2022. So I still have right of entry until then.

Hi,

I hope someone knows something about this and can help advise me. I've been googling and looking at the gov websites but it's not completely clear!

I am a permanent resident and my husband is a citizen but we haven't lived in Oz for the last few years. When I was in Oz I only had a temporary Medicare card which has long expired. We now are hoping to return to Oz in spring when I am around 7 months pregnant. But we worried about my lack of Medicare card and if I would be covered as soon as I arrive/apply for a new card as a resident or if like in some countries you have to have lived there for a period of time before you are covered by the health care.

Thanks in advance for any advice/info.

hi all just am updating...i got my pmv in december and have been in oz since end of december. got married in april and applied for my 820 temporary residence visa on 7th june and received it today 10 days later....not what i was expecting at all but very happy. i hadn't even finished adding all of the evidence...obviously had already included enough

You cannot teach in a WA school without teaching registration.

 

You cannot get registration unless you have four years of tertiary education, one year of which must be teacher training, university based.

 

The GTP is not recognised, so no, you cannot teach in a WA remote community school.

 

No school will even look at your application without the ability to obtain registration.

I know I can't get full registration with only the GTP, but I was asking about limited registration, if anyone has experience of this I would be interested to hear!

Ta

Hi all,

Great thread..although I am in a totally different situation to most of you - I completed the dreaded GTP in the UK which is not recognised as a teaching qualification over here. Has anyone got experience of working on/getting limited registration - I am in remote WA and positions in community schools do arise, and I am thinking I should go for it and see what happens!

Cheers!

Hi all,

just to let you know I got my pmv today I applied on the 23/24th April. I did email my CO to let them know I would be heading to Oz for christmas and I got my Visa letter as a reply. So happy right now, feels like one less thing to worry about...so it will happy. Good luck to you all and hope you are happy in Australia xx

Oh, I have started the continuous checking of this site to see if any april applicants have been granted, here's hoping it they will start soon, as I applied 23rd and getting excited to leave for Oz!! :biggrin:

​Just looking at the visa stats and I'm feeling a bit lonely as the only April partner 309/100 visa sumbitter. Has anyone else recently applied? It would be great to know who else is on a similar timeframe to me. I'm hoping to get some sort of official confirmation soon and a CO allocated... the money certainly whizzed out of our account at great speed!

 

And for anyone that's interested... my OH is the Australian, but his dual nationality allows him to work in the UK so we've been living together in Edinburgh for nearly 3 years. If everything goes to plan we'd like to be arriving in Sydney - where all his family are based - about this time next year. Just to add extra chaos and things to stress about into the mix, we're planning on getting married in Thailand on the way in February 2014 (when all our belongings are being shipped over) and do a backpacking honeymoon in SE Asia for a couple of months before we star our new lives together in OZ.... exciting times

I applied on the same day as you, I had added my stats to the spreadsheet but they seem to be wiped nevermind! I got my CO allocated on 30th April

Just have to get my medical and character check done, and then the long wait as my fiance is moving back to Oz this month so I am hoping for a happy christmas and new year being reunited permanently.

Good luck with your wait!!