Interested to hear from anyone who has applied for a permanent visa earlier then requested. We are on a 475 temp visa and should wait 2 years before we can apply for permanent. We are only into our visa 6 months but have settled into life here and keen to buy our first house. So many mortgage lenders will not touch us due to this. We have heard people on this visa applying early for permanent and been granted. Any help on this would be grateful!!!