Non Aus ciitzen – ownership & taxation

My Fiancee is a pom.

She is currently a permanent resident. We recently bought a PPOR and also applied for the FHOG (still waiting for reply).

She is taxed as a normal citizen.

Even people in Australia on student visas get taxed at the normal tax rate (under normal employment coniditions). Not sure about property purchasing etc. I would assume it would be no different.[upsidedown]

Rav, I trained as a mortgage broker several years ago when looking at it as a career option. I didn’t pursue it.

I would suggest connecting with a reputable mortgage broker or broking company. Their services are free and should by and large be fairly objective, however, many brokerages are actually owned by large financial houses and this won’t be immediately apparent.

There are some brokers who specialise in assisting overseas clients but beware of anyone who is asking for fees. All brokers should have a good understanding of the requirements for o/seas clients.

If you’re dealing with a large brokerage house be aware that staff turnover is/can be high consequently the level of expertise can be questionable although large brokerages usually have experienced managers an agent broker can defer to for advice in helping clients.

I personally favour financial planning firms that are independently owned and have a financial brokerage department but again you have to do your homework on any company before choosing to go with them.

Hope this helps.

Regards, Kerry