Australia From $1.65M USD investment — Investor Visa programme
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Australia Investor Visa 2026

Investor Visa
From $1.65M USD
Min. Investment
From $1.65M USD
Processing
21-37 months
Visa Type
Investor Visa
Citizenship Path
Yes(4 years)
Stay Required
730 days/year
Family Included
Yes (7 categories)

Programme Overview

Australia's Business Innovation and Investment Programme (subclass 188) offers two premier investor pathways to Australian permanent residency. The 188B Investor stream (AUD $2.5M / $1.65M USD) suits experienced investors seeking government bond exposure, while the 188C Significant Investor stream (AUD $5M / $3.3M USD) offers maximum flexibility with minimal residency requirements. Both programmes provide access to one of the world's most stable economies, exceptional quality of life, world-class healthcare and education, and a clear pathway to permanent residency and citizenship within 8-10 years.

Australia's Significant Investor Visa (SIV, subclass 188C) offers high-net-worth individuals a direct pathway to permanent residency through a AUD $5 million compliant investment. As one of the world's most desirable destinations for quality of life, political stability, and economic opportunity, Australia attracts sophisticated investors seeking long-term family security and access to the Asia-Pacific region. The SIV programme requires investment in Australian venture capital, emerging companies, and balancing investments (managed funds)—structured to benefit Australia's innovation economy while providing investors with exposure to quality assets. Unlike many residency programmes, the SIV has substantive residency requirements: 40 days per year minimum stay, or 160 days cumulative over 4 years. After 4 years on provisional status and meeting investment and residency requirements, SIV holders can apply for permanent residency (subclass 888C). Citizenship becomes available after 4 years of permanent residency. For families seeking genuine relocation to one of the world's safest, most prosperous nations, Australia's SIV delivers unmatched lifestyle outcomes.

Fund Your Australia Investment with a Lombard Loan

Instead of liquidating your portfolio to fund the From $1.65M USD Australia investment, use your existing assets as collateral and keep your money working for you.

Traditional: Liquidate Assets

  • Sell From $1.65M USD from your portfolio
  • Trigger capital gains tax (up to 20%)
  • Lose years of compound growth
  • After 10 years: $4

Lombard Loan: Keep Your Portfolio

  • Borrow From $1.65M USD against $3 collateral
  • No capital gains event triggered
  • Portfolio continues growing at ~8%
  • After 10 years: $7
Your advantage with Lombard+$3

10-Year Wealth Projection

Lombard Strategy
Liquidate Assets
Collateral Required
$3
50% LTV
Annual Interest
$0
~3.5% rate
10yr Interest Total
$1
Typically capitalised
Net Advantage
+$3
vs. liquidating

Investment Options

Key Benefits

Two investment pathways: 188B (AUD $2.5M bonds) or 188C (AUD $5M portfolio)
Provisional visa (subclass 188) valid for 4 years, extendable to 6 years
Pathway to permanent residency (subclass 888) after meeting investment period
Live, work, and study anywhere in Australia
Include spouse, partner, and dependent children under 23
Access to Medicare (universal healthcare) and world-class public/private education
188C offers minimal residency: only 160 days over 4 years (40 days/year average)
188C has no age limit or points test (maximum flexibility for HNWIs)
188B requires age under 55 and 65+ points (exemptions available for exceptional candidates)
English language requirements waived for provisional visa
Path to Australian citizenship within 8-10 years total timeline
Stable political system, AAA credit rating, strong rule of law
High standard of living in global cities (Sydney, Melbourne, Brisbane, Perth)
Strategic gateway to Asia-Pacific markets and trading partners
No restrictions on business activities during provisional visa period
Family members can work and study without separate authorization

Eligibility Requirements

188B Requirements: (1) Net assets of AUD $2.5M+ / $1.65M+ USD, (2) Age under 55 (exemptions for exceptional economic benefit), (3) Minimum 65 points on points test, (4) At least 3 years experience managing qualifying business or investments, (5) State/territory government nomination, (6) Invest AUD $2.5M / $1.65M USD in state government bonds for 4 years, (7) Live in nominating state minimum 2 years during provisional period
188C Requirements: (1) Net assets of AUD $5M+ / $3.3M+ USD lawfully acquired, (2) No age limit, (3) No points test, (4) State/territory government nomination, (5) Invest AUD $5M / $3.3M USD in complying investment framework for 4 years, (6) Minimal residency: 160 days total over 4 years (can be satisfied by applicant OR spouse)
Universal Requirements (Both Streams): (1) Health and character requirements (police clearances from all countries resided in 12+ months), (2) Comprehensive health insurance for visa duration, (3) Genuine intention to maintain investment in Australia, (4) Source of wealth documentation for all assets and investments, (5) Demonstrate lawful acquisition of funds through business, employment, inheritance, or investments
State Nomination: All applicants must secure nomination from an Australian state or territory government. Each state has different quotas, requirements, and may require additional commitments (e.g., property purchase, charitable donations, business establishment plans)
English Language: Waived for provisional visa (188B/188C). Basic competent English required for permanent residency (subclass 888)—can be satisfied through IELTS 5.0 or equivalent, or paying English language training fee
Points Test (188B Only): Assessed on age, English ability, business/investment experience, net assets, annual turnover. Minimum 65 points required. Calculator available on Department of Home Affairs website

Investment Details

188B Investment Structure: Invest AUD $2.5M / $1.65M USD in designated state or territory government bonds for minimum 4 years. Bonds are government-backed securities offering capital preservation with modest returns (typically 2-4% annually). Investment is locked for 4-year period—early withdrawal disqualifies you from permanent residency. All interest income belongs to you but subject to Australian tax if you become tax resident. Principal returned in full after 4 years when converting to permanent residency
188C Investment Allocation: AUD $5M / $3.3M USD must be allocated as: (1) Minimum AUD $500K / $330K USD (10%) in venture capital/growth private equity funds investing in Australian startups and small businesses, (2) Minimum AUD $1.5M / $990K USD (30%) in managed funds or ASX-listed investment companies investing in emerging Australian companies, (3) Balance AUD $3M / $2.0M USD (60%) in managed funds, ASX-listed companies, corporate bonds, or term deposits with Australian banks. This creates diversified exposure across Australian economy
188C Rebalancing Rules: You can rebalance your portfolio during the 4-year holding period to respond to market conditions or investment performance, but must always maintain minimum allocations: 10% venture capital, 30% emerging companies. You cannot withdraw funds or reduce total investment below AUD $5M / $3.3M USD without disqualifying yourself from permanent residency pathway
Investment Timeline: For both streams, funds must be transferred to Australia and fully invested within 6 months of provisional visa grant. Failure to invest within timeframe may result in visa cancellation. Investments must be maintained continuously for 4 years (188B) or 4 years (188C) to qualify for permanent residency application
188C Approved Fund Managers: Only investments through Austrade-approved fund managers and complying investments qualify for 188C. The list of approved managers is maintained by the Australian Trade and Investment Commission (Austrade) and updated quarterly. Due diligence on fund managers is essential—track record, fees, historical performance, and compliance status should be verified before committing capital
Investment Returns Ownership: All investment income, dividends, interest, and capital gains belong to you—not forfeited to government. However, tax implications apply: as a temporary resident (188B/188C), you may qualify for Temporary Resident Tax Exemption (foreign income exempt). Once you become permanent resident, worldwide taxation applies to all investment returns
State-Specific Requirements: Beyond federal investment requirements, most states impose additional commitments to secure nomination. Examples: Victoria may require AUD $500K / $330K USD additional investment in Victorian startups; New South Wales may require property purchase or business establishment plan; Queensland may require 2-year residency commitment. Research state-specific requirements carefully as they significantly impact total capital required

Application Timeline

Total Time
21-37 months
1

Expression of Interest (EOI)

1-3 months

188B: Submit EOI through SkillSelect demonstrating AUD $2.5M / $1.65M USD net assets, 65+ points, investment experience. 188C: Submit EOI demonstrating AUD $5M / $3.3M USD net assets (no points test). Both: Await invitation to apply based on state nomination availability and programme quotas. High-demand states (NSW, VIC) may have longer wait times

2

State Nomination Application

2-4 months

Apply to preferred state or territory for nomination. States assess your investment plan, commitment to region, and additional requirements (property purchase, business establishment, charitable contributions). Each state has different quotas, processing times, and may prioritize certain applicants. Research state-specific requirements carefully—they significantly impact total investment and residency obligations

3

Visa Application (Subclass 188)

6-12 months

Submit full visa application with state nomination certificate, comprehensive source of wealth documentation, health examinations, police clearances from all countries lived in 12+ months, business/investment plan, and evidence of net assets. Department of Home Affairs conducts thorough due diligence, character assessments, and financial verification. Processing times vary by state and complexity of financial history

4

Provisional Visa Grant & Investment

6 months to invest

188B: Transfer AUD $2.5M / $1.65M USD and invest in designated state government bonds within 6 months. Receive bond confirmation from state treasury. 188C: Transfer AUD $5M / $3.3M USD and allocate across complying investment framework (10% venture capital, 30% emerging companies, 60% balance) within 6 months. Obtain Austrade compliance certificate confirming correct allocation. Failure to invest within timeframe may result in visa cancellation

5

Provisional Visa Period

4 years (extendable to 6 years)

188B: Maintain bond investment and live in nominating state minimum 2 years (730 days). 188C: Maintain complying investments and meet minimal 160-day total presence (can be satisfied by applicant OR spouse—exceptional flexibility). Both: Can work, study, establish business, and travel freely. Annual compliance reporting required to state government or Austrade

6

Permanent Residency Application (Subclass 888)

6-12 months processing

188B: After 4 years, demonstrate bonds were held continuously and state residency met (2+ years). 188C: After 4 years, demonstrate complying investments maintained and 160-day presence met. Both: Must pass basic English test (IELTS 5.0 or equivalent, or pay training fee), provide updated police clearances, demonstrate continued intention to reside in Australia. Some states require renewed nomination for permanent residency

7

Citizenship Eligibility

4+ years as permanent resident

After obtaining permanent residency (subclass 888), eligible for Australian citizenship after meeting strict criteria: (1) 4 years as permanent resident, (2) At least 240 days physical presence in Australia in 12 months before application, (3) No more than 90 days total absence in those 12 months, (4) Competent English, (5) Pass civics test. Total timeline from initial 188B/188C application to citizenship eligibility: typically 8-10 years

Family Inclusion

  • Spouse or de facto partner (must prove genuine relationship of 12+ months)
  • Dependent children under 23 years of age (unmarried and financially dependent)
  • Dependent children aged 23+ with disabilities that prevent them from earning a living
  • All family members included in single application receive same visa subclass and benefits
  • Family members can work and study without restrictions
  • Children can access Australian public education system
  • Stepchildren and adopted children qualify if legally dependent

Taxation

Australia operates residence-based taxation with progressive rates from 19% to 45%, plus 2% Medicare levy (total top rate: 47%). Tax residency is triggered by the "183-day rule" or establishing a permanent place of abode in Australia. As a temporary resident (subclass 188B or 188C), you may qualify for the Temporary Resident Tax Exemption—this excludes foreign-sourced income and capital gains from Australian taxation during your provisional visa period, a significant advantage. However, Australian-sourced income (including investment returns from your 188B bonds or 188C portfolio) is taxable. Once you obtain permanent residency (subclass 888), worldwide taxation applies to all income and capital gains. Capital gains tax: 50% discount for assets held 12+ months. No inheritance tax or estate duty. 188B bond interest is taxable at your marginal rate. 188C portfolio returns (dividends, distributions, capital gains) are taxable, with franking credits available on Australian dividends. Tax planning before permanent residency is critical: consider restructuring offshore assets, realizing gains in low-tax jurisdictions, establishing compliant trust structures, and utilizing tax treaties. Consult Australian tax advisor before obtaining permanent residency to minimize future worldwide tax exposure.

Residency Requirements

188B Residency: Must live in your nominating state minimum 2 years (730 days) during the 4-year provisional visa period. This is a substantial commitment compared to 188C—you cannot delegate this to your spouse. 188C Residency: One of the world's most flexible programmes—only 160 days total over 4 years (40 days per year average). This can be satisfied by either the primary applicant OR their spouse/partner, providing exceptional flexibility for families where one person manages international business while the other establishes Australian residency. For permanent residency (subclass 888): 188B must demonstrate state residency requirement met; 188C must meet 160-day minimum. For citizenship: requirements increase dramatically for both streams: 4 years as permanent resident including at least 12 months where you were not absent from Australia for more than 90 days, and at least 240 days physical presence in the 12 months before citizenship application. Citizenship residency requirements are strict and cannot be delegated to spouse.

Path to Citizenship

After obtaining permanent residency (subclass 888), both 188B and 188C holders become eligible for Australian citizenship through conferral. Requirements: (1) 4 years as permanent resident, (2) At least 240 days physical presence in 12 months before application, (3) No more than 90 days total absence in those 12 months, (4) Competent English (IELTS 6.0 or equivalent for all skills), (5) Pass Australian civics test covering values, history, government, and society, (6) Good character (police clearances from all countries). Total timeline from initial 188B/188C application to citizenship eligibility: 8-10 years: 1-2 years provisional visa processing, 4 years maintaining investment and meeting residency requirements, 6-12 months permanent residency processing, then 4 years as permanent resident before citizenship eligibility. Australian citizenship allows dual nationality—you do not need to renounce other citizenships. As Australian citizen, you receive one of the world's most powerful passports with visa-free access to 185+ countries including USA, UK, EU Schengen, Canada, Japan, Singapore.

Costs & Fees

Investment
AUD $5,000,000

Compliant investment maintained for 4+ years

Visa Application Fee
AUD $9,455

Main applicant government fee (2024 rates)

Family Fees
AUD $4,730-$2,365

Per additional adult/child applicant

Professional Fees
AUD $50,000-$100,000

Migration agent, legal, and financial advisory

Total Estimated Cost
AUD $5.1-$5.2M total including fees
Finance with Lombard Loan

Is Australia Right for You?

Ideal For

  • Families seeking world-class education and healthcare
  • Investors wanting genuine relocation to English-speaking country
  • Those seeking Asia-Pacific business opportunities
  • High-net-worth individuals prioritizing family security
  • Investors comfortable with 4-year managed fund commitment

Consider Alternatives If

  • Those unable to meet 40-day annual residency requirement
  • Investors seeking quick citizenship (8+ year pathway)
  • Those wanting direct real estate investment
  • Budget-conscious investors (AUD $5M minimum)
  • Those seeking non-English speaking environment

Alternative Programmes to Consider

Frequently Asked Questions

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Schedule a consultation with our expert advisors to discuss your Australia investor visa application.

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