Are you a foreign citizen wanting to live and work in Australia as a permanent resident?
Every year, the Australian immigration department releases its new Skilled Occupations List (SOL) and Consolidated Sponsored Occupation List (CSOL).
What skilled occupations make up the list and will the bank accept your visa type when it comes time for you to apply for a mortgage?
How much can I borrow?
The skilled occupations listed in SOL and CSOL fall under a few different visa subclasses which vary depending on the profession.
Under the permanent resident mortgage policy for some of our lenders, the following visa holders can qualify for a mortgage and borrow up to 95% of the property value:
- Employer Nomination Scheme (subclass 186)
- Skilled Independent visa (subclass 189)
- Skilled Nominated Visa (subclass 190)
The following visas are also classed as permanent resident but your borrowing power may be restricted due to the short-term restrictions applied by the government:
- Skilled Regional (Provisional) visa (subclass 489): A 4-year visa similar to a 457 visa. You can borrow up to 90%.
- Skilled – Regional Sponsored visa (subclass 487): A 3-year visa that then allows you to apply for permanent residency. You can borrow up to 80%.
Call us on 1300 889 743 (+61 2 9194 1700 if you’re outside Australia) or complete our free assessment form to find out if you qualify for a skilled occupation mortgage.
Can I get the same interest rates as an Australian citizen?
Yes!
Since you’re living and working in Australia, you won’t be charged a higher interest rate just because you’re a foreigner.
Check out the lowest interest rates on offer from the nearly 40 lenders that we have on our lending panel.
You won’t be charged extra fees and you can get all of the same mortgage features as an Australian citizen.
What if I’m a temporary resident?
Like being a permanent resident, you’re borrowing power depends on your visa type, your occupation, and the strength of your overall financial situation.
If you’re on a Temporary Business (Long Stay) – Standard Business Sponsorship visa (subclass 457), 494 visa or on a Temporary Skill Shortage visa (482 visa) you may be able to borrow up to 90% of the property value as a special exception.
You can potentially borrow up to 95% if you’re married or in a de facto relationship with an Australian citizen or Australian permanent resident.
For other temporary visa types, including subclasses 417, 165, 160 and 422, you can borrow between 80-90%.
We’re experts in non-resident mortgages!
Please fill in our online enquiry form and let our mortgage brokers about your situation and what type of loan you need.
Buying A Home in Australia As A Non-Resident
Everything you need to know as a non-resident buying a property in Australia.
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Who decides the SOL and CSOL?
The Minister for Immigration and Border Protection with help from the Department of Education and Training are responsible for deciding which occupations make up the skilled occupations lists.
The occupations selected are those that the government believes will meet the medium to long-term skill needs of Australia.
Generally speaking, if it’s identified that the demand for skilled workers can’t be met locally (whatever industry it is) then the government will move to add these skilled occupations to the SOL and CSOL.
This is the reason why both lists are reviewed annually, where some occupations are added and some removed based on the demands of the economy and industry.
You can keep up-to-date on the Skilled Occupations List by checking out this website.
For more information on immigration and visa requirements, it’s best to check out the Visa Finder page on the Department of Immigration and Border Protection website.
Do you qualify for a skilled occupation mortgage?
Call us on 1300 889 743 (+61 2 9194 1700 if you’re outside Australia) or complete our free assessment form to find out how we can help you.
What professions make up the skilled migrant list?
The following professions are listed on the SOL:
- Construction Project Manager
- Chiropractor
- Telecommunications Engineer
- Project Builder
- Osteopath
- Telecommunications Network Engineer
- Engineering Manager
- Occupational Therapist
- Barrister
- Production Manager (Mining)
- Physiotherapist
- Solicitor
- Child Care Centre Manager
- Podiatrist
- Clinical Psychologist
- Medical Administrator
- Audiologist
- Educational Psychologist
- Nursing Clinical Director
- Speech Pathologist
- Organisational Psychologist
- Primary Health Organisation Manager
- General Practitioner
- Psychotherapist
- Welfare Centre Manager
- Anaesthetist
- Psychologists
- Accountant (General)
- Specialist Physician (General Medicine)
- Social Worker
- Management Accountant
- Cardiologist
- Civil Engineering Draftsperson
- Taxation Accountant
- Clinical Haematologist
- Civil Engineering Technician
- External Auditor
- Medical Oncologist
- Electrical Engineering Draftsperson
- Internal Auditor
- Endocrinologist
- Electrical Engineering Technician
- Actuary
- Gastroenterologist
- Radio Communications Technician
- Land Economist
- Intensive Care Specialist
- Telecommunications Field Engineer
- Valuer
- Neurologist
- Telecommunications Network Planner
- Ship’s Engineer
- Paediatrician
- Telecommunications Technical Officer or Technologist
- Ship’s Master
- Renal Medicine Specialist
- Automotive Electrician
- Ship’s Officer
- Rheumatologist
- Motor Mechanic (General)
- Architect
- Thoracic Medicine Specialist
- Diesel Motor Mechanic
- Landscape Architect
- Specialist Physicians
- Motorcycle Mechanic
- Cartographer
- Psychiatrist
- Small Engine Mechanic
- Other Spatial Scientist
- Surgeon (General)
- Sheetmetal Trades Worker
- Surveyor
- Cardiothoracic Surgeon
- Metal Fabricator
- Chemical Engineer
- Neurosurgeon
- Pressure Welder
- Materials Engineer
- Orthopaedic Surgeon
- Welder (First Class)
- Civil Engineer
- Otorhinolaryngologist
- Fitter (General)
- Geotechnical Engineer
- Paediatric Surgeon
- Fitter and Turner
- Quantity Surveyor
- Plastic and Reconstructive Surgeon
- Fitter-Welder
- Structural Engineer
- Urologist
- Metal Machinist (First Class)
- Transport Engineer
- Vascular Surgeon
- Locksmith
- Electrical Engineer
- Dermatologist
- Panelbeater
- Electronics Engineer
- Emergency Medicine Specialist
- Bricklayer
- Industrial Engineer
- Obstetrician and Gynaecologist
- Stonemason
- Mechanical Engineer
- Ophthalmologist
- Carpenter and Joiner
- Production or Plant Engineer
- Pathologist
- Carpenter
- Aeronautical Engineer
- Diagnostic and Interventional Radiologist
- Joiner
- Agricultural Engineer
- Radiation Oncologist
- Painting trades workers
- Biomedical Engineer
- Medical Practitioners
- Glazier
- Engineering Technologist
- Midwife
- Fibrous Plasterer
- Environmental Engineer
- Nurse Practitioner
- Solid Plasterer
- Naval Architect
- Registered Nurse (Aged Care)
- Wall and Floor Tiler
- Agricultural Consultant
- Registered Nurse (Child and Family Health)
- Plumber (General)
- Agricultural Scientist
- Registered Nurse (Community Health)
- Airconditioning and Mechanical Services Plumber
- Forester
- Registered Nurse (Critical Care and Emergency)
- Drainer
- Medical Laboratory Scientist
- Registered Nurse (Developmental Disability)
- Gasfitter
- Veterinarian
- Registered Nurse (Disability and Rehabilitation)
- Roof plumber
- Physicist (Medical Physicist only)
- Registered Nurse (Medical)
- Electrician (General)
- Early Childhood (Pre-Primary School) Teacher
- Registered Nurse (Medical Practice)
- Electrician (Special Class)
- Secondary School Teacher
- Registered Nurse (Mental Health)
- Lift Mechanic
- Special Needs Teacher
- Registered Nurse (Perioperative)
- Airconditioning and Refrigeration Mechanic
- Teacher of the Hearing Impaired
- Registered Nurse (Surgical)
- Electrical Linesworker
- Teacher of the Sight Impaired
- Registered Nurse (Paediatrics)
- Technical Cable Jointer
- Special Education Teachers
- Registered Nurses
- Electronic Equipment Trades Worker
- Medical Diagnostic Radiographer
- ICT business Analyst
- Electronic Instrument Trades Worker (General)
- Medical Radiation Therapist
- Systems Analyst
- Electronic Instrument Trades Worker (Special Class)
- Nuclear Medicine Technologist
- Analyst Programmer
- Chef (excludes fast food or takeaway food service)
- Sonographer
- Developer Programmer
- Cabinetmaker
- Optometrist
- Software Engineer
- Boat Builder and Repairer
- Orthotist or Prosthetist
- Computer Network and Systems Engineer
- Shipwright
What occupations are listed on the sponsored migrants list?
The following professions are listed on the Consolidated Sponsored Occupations List:
- Chief Executive or Managing Director
- Betting Agency Manager
- Recruitment Consultant
- Microbiologist
- Student Counsellor
- Vehicle Trimmer
- Wool Classer
- Corporate General Manager
- Hair or Beauty Salon Manager
- Workplace Relations Adviser
- Zoologist
- Counsellors
- Vehicle Painter
- Fire Protection Equipment Technician
- Defence Force Senior Officer
- Post Office Manager
- ICT Trainer
- Life Scientists
- Minister of Religion
- Floor Finisher
- Technicians and Trades Workers
- Aquaculture Farmer
- Travel Agency Manager
- Training and Development Professional
- Conservator
- Historian
- Roof Tiler
- Ambulance Officer
- Cotton Grower
- Amusement Centre Manager
- Mathematician
- Metallurgist
- Interpreter
- Business Machine Mechanic
- Intensive Care Ambulance Paramedic
- Flower Grower
- Fitness Centre Manager
- Statistician
- Meteorologist
- Translator
- Communications Operator
- Dental Hygienist
- Fruit or Nut Grower
- Sports Centre Manager
- Archivist
- Physicist
- Archaeologist
- Cabler (Data and Telecommunications)
- Dental Prosthetist
- Grain, Oilseed or Pasture Grower (Aus) / Field Crop Grower (NZ)
- Call or Contact Centre Manager
- Gallery or Museum Curator
- Exercise Physiologist
- Social Professionals
- Telecommunications Cable Jointer
- Dental Technician
- Grape Grower
- Customer Service Manager
- Health Information Manager
- Natural and Physical Science Professionals
- Community Arts Worker
- Telecommunications Linesworker
- Dental Therapist
- Mixed Crop Farmer
- Conference and Event Organiser
- Records Manager
- Primary School Teacher
- Recreation Officer
- Telecommunications Technician
- Diversional Therapist
- Sugar Cane Grower
- Fleet Manager
- Economist
- Middle School Teacher (Aus) / Intermediate School Teacher (NZ)
- Welfare Worker
- Baker
- Enrolled Nurse
- Turf Grower
- Railway Station Manager
- Intelligence Officer
- University Lecturer (Suitable for the Position of Research Associate or Research Fellow in a University)
- Agricultural Technician
- Pastrycook
- Mothercraft Nurse
- Vegetable Grower (Aus) / Market Gardener (NZ)
- Transport Company Manager
- Policy Analyst
- Anaesthetic Technician
- Butcher or Smallgoods Maker (excluding slaughtering animals, or primarily boning, slicing or packaging meat in a non-retail setting.)
- Aboriginal and Torres Strait Islander Health Worker
- Crop Farmers
- Boarding Kennel or Cattery Operator
- Librarian
- University Tutor
- Cardiac Technician
- Cook (excludes fast food and take away)
- Massage Therapist
- Apiarist
- Cinema or Theatre Manager
- Management Consultant
- Vocational Education Teacher (Non-Trades)
- Medical Laboratory Technician
- Dog Handler or Trainer
- Community Worker
- Beef Cattle Farmer
- Facilities Manager
- Organisation and Methods Analyst
- Vocational Education Teacher (Trades)
- Operating Theatre Technician
- Horse Trainer
- Disabilities Services Officer
- Dairy Cattle Farmer
- Financial Institution Branch Manager
- Electorate Officer
- Education Adviser
- Pharmacy Technician
- Zookeeper
- Family Support Worker
- Deer Farmer
- Equipment Hire Manager
- Liaison Officer
- Education Reviewer
- Pathology Collector (Aus) / Phlebotomist (NZ)
- Kennel Hand
- Parole or Probation Officer
- Goat Farmer
- Actor
- Migration Agent (Aus)
- Art Teacher (Private Tuition)
- Medical Technicians
- Animal Attendants and Trainers
- Residential Care Officer
- Horse Breeder
- Dancer or Choreographer
- Patents Examiner
- Dance Teacher (Private Tuition)
- Fisheries Officer
- Shearer
- Youth Worker
- Mixed Livestock Farmer
- Entertainer or Variety Artist
- Information and Organisation Professionals
- Drama Teacher (Private Tuition)
- Meat Inspector
- Veterinary Nurse
- Defence Force Member – Other Ranks
- Pig Farmer
- Actors, Dancers and Other Entertainers
- Advertising Specialist
- Music Teacher (Private Tuition)
- Quarantine Officer
- Florist
- Emergency Service Worker
- Poultry Farmer
- Composer
- Market Research Analyst
- Private Tutors and Teachers
- Primary Products Inspectors
- Gardener (General)
- Fire Fighter
- Sheep Farmer
- Music Director
- Marketing Specialist
- Teacher of English to Speakers of Other Languages
- Chemistry Technician
- Arborist
- Detective
- Livestock Farmers
- Musician (Instrumental)
- ICT Account Manager
- Dietitian
- Earth Science Technician
- Landscape Gardener
- Police Officer
- Mixed Crop and Livestock Farmer
- Singer
- ICT Business Development Manager
- Nutritionist
- Life Science Technician
- Greenkeeper
- Prison Officer
- Sales and Marketing Manager
- Music Professionals
- ICT Sales Representative
- Environmental Health Officer
- School Laboratory Technician
- Nurseryperson
- Driving Instructor
- Advertising Manager
- Photographer
- Public Relations Professional
- Occupational Health and Safety Adviser
- Hydrographer
- Hairdresser
- Funeral Director
- Public Relations Manager
- Painter (Visual Arts)
- Sales Representative (Industrial Products)
- Orthoptist
- Science Technicians
- Print Finisher
- Funeral Workers
- Corporate Services Manager
- Potter or Ceramic Artist
- Sales Representative (Medical and Pharmaceutical Products)
- Hospital Pharmacist
- Architectural Draftsperson
- Screen Printer
- Flight Attendant
- Finance Manager
- Sculptor
- Technical Sales Representatives
- Industrial Pharmacist
- Building Associate
- Graphic Pre-press Trades Worker
- Travel Attendants
- Human Resource Manager
- Visual Arts and Crafts Professionals
- Aeroplane Pilot
- Retail Pharmacist
- Building Inspector
- Printing Machinist
- First Aid Trainer
- Policy and Planning Manager
- Artistic Director
- Air Traffic Controller
- Health Promotion Officer
- Construction Estimator
- Small Offset Printer
- Diving Instructor (Open Water)
- Research and Development Manager
- Media Producer (excluding Video)
- Flying Instructor
- Health Diagnostic and Promotion Professionals
- Plumbing Inspector
- Canvas Goods Fabricator
- Gymnastics Coach or Instructor
- Importer or Exporter
- Radio Presenter
- Helicopter Pilot
- Acupuncturist
- Surveying or Spatial Science Technician
- Leather Goods Maker
- Horse Riding Coach or Instructor
- Wholesaler
- Television Presenter
- Air Transport Professionals
- Homoeopath
- Architectural, Building and Surveying Technicians
- Sail Maker
- Snowsport Instructor
- Manufacturer
- Author
- Master Fisher
- Naturopath
- Electronic Engineering Draftsperson
- Shoemaker
- Swimming Coach or Instructor
- Production Manager (Forestry)
- Book or Script Editor
- Marine Surveyor
- Traditional Chinese Medicine Practitioner
- Electronic Engineering Technician
- Apparel Cutter
- Tennis Coach
- Production Manager (Manufacturing)
- Art Director (Film, Television or Stage)
- Marine Transport Professionals
- Complementary Health Therapists
- Mechanical Engineering Draftsperson
- Clothing Patternmaker
- Other Sports Coach or Instructor
- Supply and Distribution Manager
- Director (Film, Television, Radio or Stage)
- Fashion Designer
- Dental Specialist
- Mechanical Engineering Technician
- Dressmaker or Tailor
- Dog or Horse Racing Official
- Procurement Manager
- Director of Photography
- Industrial Designer
- Dentist
- Safety Inspector
- Clothing Trades Workers
- Sports Development Officer
- Health and Welfare Services Manager
- Film and Video Editor
- Jewellery Designer
- Resident Medical Officer
- Maintenance Planner
- Upholsterer
- Sports Umpire
- School Principal
- Program Director (Television or Radio)
- Graphic Designer
- Nurse Researcher
- Metallurgical or Materials Technician
- Furniture Finisher
- Other Sports Official
- Faculty Head
- Stage Manager
- Illustrator
- Nurse Manager
- Mine Deputy
- Picture Framer
- Footballer
- Regional Education Manager
- Technical Director
- Multimedia Designer
- Nurse Educator
- Building and Engineering Technicians
- Wood Machinist
- Golfer
- Education Managers
- Video Producer
- Web Designer
- Multimedia Specialist
- Hardware Technician
- Wood Turner
- Jockey
- Chief Information Officer
- Film, Television, Radio and Stage Directors
- Interior Designer
- Web Developer
- ICT Customer Support Officer
- Wood Machinists and Other Wood Trades Workers
- Sportspersons
- ICT Project Manager
- Copywriter
- Urban and Regional Planner
- Software Tester
- Web Administrator
- Chemical Plant Operator
- Contract Administrator
- ICT Managers
- Newspaper or Periodical Editor
- Mining Engineer (Excluding Petroleum)
- Software and Applications Programmers
- ICT Support Technicians
- Gas or Petroleum Operator
- Program or Project Administrator
- Commissioned Defence Force Officer
- Print Journalist
- Petroleum Engineer
- Database Administrator
- Blacksmith
- Power Generation Plant Operator
- Conveyancer
- Commissioned Fire Officer
- Radio Journalist
- Engineering Professionals
- ICT Security Specialist
- Electroplater
- Gallery or Museum Technician
- Legal Executive
- Commissioned Police Officer
- Technical Writer
- Chemist
- Systems Administrator
- Farrier
- Library Technician
- Court Bailiff or Sheriff (Aus) / Court Collections Officer (NZ)
- Senior Non-Commissioned Defence Force Member
- Television Journalist
- Food Technologist
- Network Administrator
- Metal Casting Trades Worker
- Jeweller
- Insurance Investigator
- Arts Administrator or Manager
- Journalists and Other Writers
- Wine Maker
- Network Analyst
- Metal Polisher
- Broadcast Transmitter Operator
- Insurance Loss Adjuster
- Environmental Manager
- Company Secretary
- Conservation Officer
- ICT Quality Assurance Engineer
- Aircraft Maintenance Engineer (Avionics)
- Camera Operator (Film, Television or Video)
- Insurance Risk Surveyor
- Laboratory Manager
- Corporate Treasurer
- Environmental Consultant
- ICT Support Engineer
- Aircraft Maintenance Engineer (Mechanical)
- Light Technician
- Clinical Coder Assurance Manager
- Commodities Trader
- Environmental Research Scientist
- ICT Systems Test Engineer
- Aircraft Maintenance Engineer (Structures)
- Makeup Artist
- Auctioneer
- Sports Administrator
- Finance Broker
- Park Ranger
- ICT Support and Test Engineers
- Textile, Clothing and Footwear Mechanic
- Musical Instrument Maker or Repairer
- Stock and Station Agent
- Specialist Managers (excluding Ambassadors, Archbishops and Bishops)
- Insurance Broker
- Environmental Scientists
- Judge (appointed by the Attorney General’s Department)
- Metal Fitters and Machinists
- Sound Technician
- Insurance Agent
- Cafe or Restaurant Manager (excludes fast food and takeaway)
- Financial Brokers
- Geologist
- Magistrate (appointed by the Attorney General’s Department)
- Engraver
- Television Equipment Operator
- Business Broker
- Caravan Park and Camping Ground Manager
- Financial Market Dealer
- Geophysicist
- Tribunal Member (comprises a large number of different positions appointed by different relevant agencies)
- Gunsmith
- Performing Arts Technicians
- Property Manager
- Hotel or Motel Manager
- Futures Trader
- Hydrogeologist
- Intellectual Property Lawyer
- Precision Instrument Maker and Repairer
- Signwriter
- Real Estate Agency Principal
- Licensed Club Manager
- Stockbroking Dealer
- Life Scientist (General)
- Judicial and Other Legal Professionals
- Saw Maker and Repairer
- Diver
- Real Estate Agent
- Bed & Breakfast Operator
- Financial Dealers
- Biochemist
- Careers Counsellor
- Watch and Clock Maker and Repairer
- Interior Decorator
- Real Estate Representative
- Retirement Village Manager
- Financial Investment Adviser
- Biotechnologist
- Drug and Alcohol Counsellor
- Engineering Patternmaker
- Optical Dispenser
- Retail Buyer
- Accommodation and Hospitality Managers
- Financial Investment Manager
- Botanist
- Family and Marriage Counsellor
- Toolmaker
- Optical Mechanic
- Wool Buyer
- Antique Dealer
- Human Resource Adviser
- Marine Biologist
- Rehabilitation Counsellor
- Vehicle Body Builder
- Plastics Technician
- Driller