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When you arrive in Australia you arrive with no credit rating. Following the credit crisis it can take up to six months to be eligible to apply for a mortgage (depending on the organisation's lending criteria).

Breez Finance offers mortgages to newly arrived migrants providing you meet their lending criteria. Breez also have a newsletter for newly arrived migrants offering advice on how to establish your credit rating in Australia.

The Breez website is . If you would like to find out more about mortgages through Breez Finance - contact

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Comment by Skills Shortage Consulting on March 25, 2009 at 4:47
Hi Andy Frances at Breez will answer your question. Her email is
Comment by Skills Shortage Consulting on March 19, 2009 at 7:29
Click on this link This is a newsletter from Breez that will answer your questions. I will ask someone from Breez to respond to your query and post the answer here
Comment by AndyH78 on March 18, 2009 at 13:42
Hi, would you mind giving a brief overview of how the mortgage system works in Australia.

ie, how much would a couple with combined earning's of say $140,000 per annum, and a deposit of say $40,000 expect to be able to borrow? and on what basis is it worked out?

Also is the first time buyer grant available to migrants or just Australian nationals?



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