Home loan insights for Melbourne borrowers
Practical, current articles from a former senior credit officer: grants, rates, lender policy and what is actually happening in Melbourne's north. New posts every day.
Buying your first home after PR in Victoria: a guide for Nepali families
Just got PR in Victoria? What Nepali families need to know about the First Home Guarantee, stamp duty exemption, $10,000 grant and…
How soon after PR can you buy a home in Australia?
You can buy a home the day your PR is granted if deposit, genuine savings, employment and credit file are ready. What lenders chec…
PR granted: the first 90 days financial checklist for Nepali families
Just got Australian PR? A 90-day money checklist for Nepali families: Medicare, tax file number, credit file, savings, super, budg…
Where Nepali families settle in Australia, and why
From Melbourne's north and Sydney's south and west to Brisbane, Adelaide, Perth, Hobart and Darwin: why Nepali families settle whe…
Bridging visas and home loans: what lenders accept while your PR is processing
Can you get a home loan on a Bridging Visa A or B while PR is processing? Which lender categories consider it, the deposit they wa…
Nepal moved to Assessment Level 3 for student visas: what the 8 January 2026 change means
Since 8 January 2026 Nepali student visa applicants face Assessment Level 3: full financial and English evidence up front and manu…
Migration Program 2026–27: what 185,000 places mean for Nepalese applicants
The 2026–27 Migration Program announced on 12 May 2026 has 185,000 places. How the skilled, family and regional streams break down…
The partner visa pathway to PR for Nepali couples: 820/801, 309/100 and the joint home loan
How the 820/801 and 309/100 partner visas lead to PR for Nepali couples, why joint finances help the visa and the loan, and buying…
English tests for PR: IELTS, PTE and OET for Nepali test takers
How IELTS, PTE Academic and OET scores map to competent, proficient and superior English points for Australian PR, plus a retake p…
Skills assessment for Nepali qualifications: VETASSESS, ACS, ANMAC, Engineers Australia and TRA
Which body assesses your occupation, the documents Tribhuvan, Kathmandu and Pokhara University graduates need, realistic timelines…
The skilled migration points test explained for Nepali applicants
How the skilled migration points test scores age, English, work experience, study and partner skills, with illustrative totals for…
Subclass 491 to 191: what Nepali families should know about the regional pathway
The subclass 491 regional visa leads to the permanent 191 after three years. What counts as regional, the residence and income rul…
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