2025 Guide: The Ultimate Property Investment Strategy for Taiwanese in Australia
- Alison Tao
- Jun 5
- 6 min read
Updated: Jun 11
As Australia becomes an increasingly popular destination for Taiwanese individuals looking to invest overseas—whether for children's education, asset diversification, or retirement planning—more and more Taiwanese are choosing to purchase property in Australia. However, with policy changes, understanding the latest regulations and property acquisition processes has become more crucial than ever. This article provides a detailed analysis of Australia's property purchase policies and procedures as of 2025, helping you navigate the investment journey smoothly.
1. Why Choose Australia for Property Investment?
1.1 Stable Economy and Political Environment
Australia boasts stable economic growth and a robust legal system, attracting global investors. According to the Australian Bureau of Statistics (ABS), Australia's GDP growth rate in 2024 was 2.5%, indicating economic stability.
1.2 High-Quality Education and Healthcare Resources
Australia is home to world-class universities and healthcare systems, attracting numerous international students and families. According to the QS World University Rankings, Australia had 7 universities in the global top 100 in 2024.
1.3 Multicultural Society
Australia is a multicultural country that is foreigner-friendly and offers a high quality of life. According to the United Nations Human Development Index (HDI), Australia ranked 3rd globally, reflecting its high living standards.
2. Latest Regulations and Restrictions as of 2025
2.1 Foreign Purchase Ban
From April 1, 2025, to March 31, 2027, the Australian government has implemented a two-year ban prohibiting foreign citizens (including temporary residents with work or student visas) from purchasing existing residential properties in Australia, unless specific exceptions apply .
2.2 Eligible Property Types During the Ban
During the ban, foreign individuals may only purchase:
Off-the-plan new residential properties
Vacant land (with a requirement to commence construction within 4 years)
These purchases still require approval from the Foreign Investment Review Board (FIRB).
2.3 FIRB Approval Process
All non-citizens or non-permanent residents must apply for FIRB approval before purchasing property and pay the corresponding application fee, which varies based on the property's value. For example:
Properties valued under AUD 1 million: Application fee is AUD 5,600
Properties valued between AUD 1 million and AUD 2 million: Application fee is AUD 11,300
The approval process typically takes 30 to 60 days, so it's advisable to complete the application before signing the purchase contract.
3. Property Purchase Process Explained
Financial Planning and Loan Pre-Approval
Assess your financial situation, including income, savings, and liabilities, to determine the loan amount you can afford.
Choose a suitable loan product and prepare necessary documents such as pay slips and bank statements to apply for loan pre-approval.
Property Search and Signing of Expression of Interest (EOI)
Use reputable real estate agents or platforms to find properties that meet your needs.
Sign an EOI to express your intent to purchase and pay a deposit to reserve the property.
Apply for FIRB Approval
Complete the application form and pay the corresponding fee.
Wait for FIRB's approval, which typically takes 30 to 60 days.
Sign the Formal Purchase Contract
After receiving FIRB approval, sign the formal purchase contract with the seller.
It's recommended to hire a professional lawyer to review the contract terms to ensure the transaction is legal and compliant.
Pay the Deposit and Arrange Loan Financing
Pay a deposit, typically 20% of the property's total price.
Arrange loan financing by preparing related documents and awaiting loan approval.
Property Inspection and Handover
Before the handover, schedule a property inspection to ensure the property's condition matches the contract description.
Pay the remaining balance and complete the transfer of ownership to officially become the property owner.
4. Loan Options and Considerations
4.1 Lenders and Conditions
Some regulated lenders offer loans to non-residents, with a maximum loan-to-value ratio of 80% and a loan term of up to 30 years.
4.2 Required Documents
When applying for a loan, prepare the following documents:
Proof of income (e.g., pay slips, tax returns)
Proof of savings
Credit report
Passport and visa copies
FIRB approval documents
5. Property Purchase Costs and Taxes
5.1 Stamp Duty
Stamp duty is approximately 3% to 4% of the property's price, with the actual rate varying by state. For instance, in New South Wales (NSW), stamp duty is calculated on a tiered basis; the higher the property price, the higher the stamp duty rate.
5.2 Foreign Buyer Stamp Duty Surcharge
Overseas buyers (including Taiwanese nationals) are required to pay an additional stamp duty surcharge on top of the basic stamp duty. As of 2025, the surcharge rates are:
New South Wales: 9%
Victoria: 8%
Queensland: 8%
Western Australia: 7%
South Australia: 7%
Australian Capital Territory: 7.5%
It's important to check the latest surcharge rates applicable to the specific state before purchasing.
5.3 Land Tax
After purchasing property, if the total land value exceeds a certain threshold, annual land tax is applicable. Each state has different exemptions and tax rates. For example, in Victoria, non-residents are subject to an additional 4% foreign land tax surcharge and a possible 1% vacant residential land tax surcharge.
5.4 Other Costs
Additional expenses to budget for include:
Legal or conveyancing fees: Approximately AUD 1,000 – $3,000
Building and pest inspection fees: Approximately AUD 400 – $800
Local government taxes and fees (e.g., municipal rates, sewerage fees)
Management fees (e.g., if purchasing an apartment, management committee fees)
6. Practical Tips and Common Questions
✅ How to Choose a Reliable Real Estate Agent?
Prioritize licensed agents with good reputations and experience with Taiwanese buyers.
Seek recommendations through Google reviews, social media platforms, or community forums.
Avoid making decisions based solely on gut feeling or short-term promotions; it's advisable to compare and inquire thoroughly.
✅ Key Legal Aspects to Watch Out for in the Purchase Contract
Ensure the contract clearly specifies:
Price terms
Settlement and handover dates
Cancellation clauses or penalties It's strongly recommended to hire a local Australian property lawyer to review the contract terms and assist with legal checks (e.g., title verification, debt inquiries) to ensure the property is free from encumbrances or legal disputes.
✅ How to Stay Informed About Market Information and Policy Changes?
Reliable sources include:
State land and revenue offices (e.g., NSW Revenue, VIC State Revenue Office)
Real estate platforms (e.g., Domain, realestate.com.au)
Australian Bureau of Statistics (ABS)
FIRB 官方網站（https://firb.gov.au）
7. Other Expenses
When purchasing a property, you should also budget for the following additional costs:
Conveyancing Fee (Legal or Transfer Agent Fees): Approximately AUD $1,000 – $3,000
Building & Pest Inspection Fees: Approximately AUD $400 – $800
Local Government Charges: Includes council rates, sewage, and waste management fees
Strata or Body Corporate Fees: If you are purchasing an apartment or unit within a managed complex
8. Practical Tips and Frequently Asked Questions
✅ How to Choose a Reliable Real Estate Agent?
Prioritize licensed agents with a strong reputation and experience working with Taiwanese buyers
Check Google reviews, social media platforms, and online forums such as PTT or Facebook for real user experiences
Avoid making hasty decisions based on personal impressions or temporary incentives. Compare multiple agents and ask questions before signing any agreement
✅ What Legal Details Should I Pay Special Attention to in the Purchase Contract?
The contract should clearly specify:
Pricing terms
Settlement date and handover date
Cancellation conditions and penalties for breach of contract
It is highly recommended to hire a local Australian property lawyer to review the contract terms and assist with due diligence—such as title searches and debt checks—to ensure the property is free of encumbrances or legal disputes.
✅ How to Stay Informed About Market Trends and Policy Changes?
Stay updated by regularly checking reliable sources such as:
State revenue and land offices (e.g., NSW Revenue, VIC SRO)
Real estate platforms like Domain and realestate.com.au
The Australian Bureau of Statistics (ABS)
The FIRB official website: https://firb.gov.au
Key Takeaways for Buying Property in Australia in 2025
Although regulations have become stricter, Australia remains an attractive property investment destination for many Taiwanese buyers. With the right information, compliance with regulations, and careful financial planning, it’s still possible to find a suitable property for investment or personal use.
If you're preparing to begin your property investment journey in Australia, start with these essential steps:
✅ Understand what types of property you can legally purchase and the FIRB approval process ✅ Calculate the full cost of buying, including taxes and fees ✅ Partner with a professional and trustworthy agent and legal team ✅ Choose your location and city based on your long-term goals and lifestyle needs
Alison’s Story
Born in Hong Kong an moved to Australia, I have been associated with real estate all my life. As the plane slowly landed on the runway of Melbourne Airport, my life and career also changed to another runway. I changed from a Hong Kong real estate agent to an Australian real estate agent, and successfully obtained the Australian lawyer qualification.
When I was working in a law firm, I was surrounded by highly educated professionals. Even though their wages are very well, and they are absolutely the elites in society, but their lives are full of hard labor, and it’s hard for them to get rich through buying properties.
So I spend all my time and effort on learning financial and real estate investment knowledge, hoping to achieve financial freedom as soon as possible, and let my parents who have worked hard for many years live a good life.
Now I will share with you the knowledge and experience of investing in Australian real estate, and embark on the road to financial freedom together.
Alison Australian real estate information platform
The original intention of Miss Alison to establish investwithalison.com is to provide neutral Australian real estate information through this platform and help investors establish the most suitable investment strategy.
👉Website: investwithalison.com
👉Email: hello@investwithalison.com
