dave66

Hi,

I have a temporary business visa (457), so far I have realised that

1) I can't get a loan from a bank, personal or mortgage
2) Any kids I have will not be Australian (not really a
drawback, just letting you know).
3) Can't get 'Living Away from Home Allowance' (because I'm
going to be applying for residency and it's not a good
idea.
4) If I have a kid (and I am) I don't get any tax breaks
whatsoever...
5) I can buy a house as long as I put down a 30/33%
deposit !! And keep 6 months repayments in the bank at
all times.
6) If I want to buy land, I can, as long as I build
something on it within the year.

Anyone know of any other drawbacks that you only found out when you got here ? Temp. residents only please..

Unknown

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i'd say if you can't get a loan or mortgage then you'd need to have 100% of the cost
of the house! something doesn't add up

Matlew

Dave - Suggest you go the the Aust/NZ Immigration forum on this site. Many helpful people there that may be able to help.

Paul O'Brien

The following is from the Australian Dept of Immigration, and would have been made
available to you before you applied for, and accepted the conditions attached to, a
Business Visa:

"Australia's temporary residence program is designed to allow overseas people to come
to Australia for specific purposes that benefit to Australia. The program consists of
three streams:

economic; social and cultural; and international relations. Temporary residents are
required to pay taxes on income earned in Australia. They do not have access to
social welfare benefits or national public health cover.

As part of the criteria to be met in all temporary resident visa classes, applicants
must be assessed as satisfying Australia's strict good health and character
requirements (see Fact Sheet 22, The Health Requirement)."

Self explanatory, in plain English!! You're in the country to benefit Australia - not
the other way around!!! It's a bit late to complain surely. If you didn't like the
conditions you should have stayed home!!!! Sorry!! But - when in Rome (or
Sydney!!)........

--
Paul O'Brien [email protected]

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dave66

Thanks for your comments.

I'm not particularly worried about the health system or social benefits as I have a good job and reciprocal health cover anyway. It was the other stuff that I mentioned that was not pointed out before I got here.

Are you Australian by any chance Paul (Irish perhaps) ?
Marvellous comment, very Australian, "If you don't like it, **** off!! " Very helpful, thanks.

It's all take, take, take from temp. residents. I pay 47% tax (or whatever it is) and get sod all in return.

Don't get me wrong. I'm not that bothered by it. I would just like it known to other people what the limitations of temporary residency are. I'm applying for PR soon, so it won't effect me for much longer.

Paul O'Brien

Your interpretation of my response is grossly inaccurate. I said in effect, that you
knew exactly what conditions applied to your visa before accepting
it. If you didn't like the conditions applied by the Australian Government - you
should have sought residence elsewhere!! If you decided to come to Australia -
Wear Them!!

p.s. I am Australian!! AND I publish my name and return address - why don't
you??? [email protected] is not a real address - e-mails sent to it
are bounced!!

--
Paul O'Brien [email protected]

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Jeremy Lunn

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Sounds like a web script that doesn't allow users to set a from address. I don't
blaim people for not posting their real email address anyway due to UCE.

--
Jeremy Lunn Melbourne, Australia Homepage: http://www.austux.net/ Jabber
(http://www.jabber.org/) - the next generation of Instant Messaging.

dave66

Hello,

Paul, where does it say in the temporary residents (457) visa application that you can't get a loan from a bank ? or that if you would like to buy property that you will have to put down 33% deposit ?? etc, Please show me where this is stated on the government website or in the application form.

I see no reason to leave my email address, what do you want it for ?

Cheers,

Dave.

Paul O'Brien

As you well know, Bank lending policies are a matter for each individual bank. Many
Australians are also unable to negotiate bank loans. Banks require proven capacity to
repay, with reasonable security. If you're not a permanent resident, then i would
assume it prudent lending policy to require a higher deposit than normal.

Have a Great Christmas - I suspect with persistence (and a little temperance of
manner and language) most of your issues are capable of being worked through to your
satisfaction.

--
Paul O'Brien [email protected]

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dave66

Fair enough I suppose. I still think these points should be made known to incoming temporary residents when applying. If you haven't been a temp. resident before, it's not the first thing that crosses your mind.

Thanks for your replies. Apologies for the F word. I get a bit carried away.

Merry Xmas.

Dave.

Dave Campbell

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That probably saves a lot of complications - otherwise when you returned home your
child wouldn't be a British citizen.

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Blame the mortgage insurers for that one. Banks will in general only lend 90-95% if
you take out insurance. The insurers must consider temporary residents to be a bad
risk. Don't feel too bad about that though, as a citizen by birth I've had mortgage
insurance declined because of a hint of heritage factors on a property. These people
don't believe in taking the slightest risk!

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That one might be a covenant on the particular block or estate you were looking at.
I've heard of it on individual blocks, but not as a blanket rule. But hten I've never
tried to buy land as a temporary resident.

Dave Campbell

samtreweek

I was interested to see the correspondace on the 457 visa. I'm currently in the motions of gaining the visa and so far I have found that there are many benefits but only if you approach them in the manner in which the Australian immigartion and taxation department likes. There are several benefits which you can gain from the 457 (4 year max) visa.

- Living Away from Home Allowance....this is where the Australian governent will pay your rent.

- Weekly food allowance.

- Travel expence under certain circumstances.

Also by signing on your tax form that you working as an australian resident, which you are if you have already gained the 457 visa. You shouldn't be paying 47% tax...(Making sure you have your Tax File Number!!!!...a bit like having an NIC number!!!!!)

If you haven't gained the visa and your still on a 417 don't put YES because you're not an Ozy!!!!

My advice is contact a company like entitysolutions or someone who can explain it better than I can. They all have similar advice but it won't cost you a penny to speak to them.

There is also another point about super...every ozy has to pay 8% but on July 1st 2002 the government is changing some of the rules for Non-Australians...contact the ato!!!!!

All the best samuel treweek

Pread

Samuel,

Assuming you want to apply for PR whilst in Oz on a 457 Visa, do you know how long it
is before you can apply ? My sponsorship agency tells me 1 year...

Cheers, Paul.

Sandra

Couple of questions - DavewithAne - why is LAFHA not a good idea, it is tax break not a payment from the government?

Pread - why would you want to wait before applying for PR, you can travel to Aus on a 457 while your PR is being processed and wait for the outcome over there - so surely no waiting time for 457?

thanks confused

Pread

Sandra,

This is what my agency (admittedly with a vested interest in me staying on a
457) have said. 1 year, then I can apply. Maybe this is more a condition of theirs
for sponsorship, rather than a government requirement, I'll check.

Cheers, Paul. "Sandra" <[email protected]> wrote in message
news:[email protected]...
    > Couple of questions - DavewithAne - why is LAFHA not a good idea, it is tax break
    > not a payment from the government?
    >
    > Pread - why would you want to wait before applying for PR, you can travel to Aus on
    > a 457 while your PR is being processed and wait for the outcome over there - so
    > surely no waiting time for 457?
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    > thanks confused
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    > --
    > Sandra
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    > sophia
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    > Posted via http://britishexpats.com