1300 088 065
A first-home buyer reviewing a low-deposit purchase

For New Zealand citizens living in Australia

Buy your first Australian home with a clear plan

You may be able to buy with a 5% deposit and avoid lenders mortgage insurance. We check the scheme rules, lender policy and full buying costs before you rely on that pathway.

Start a free assessment

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Start with the decision

What do you need to check?

Choose the question closest to your situation, or speak with a broker for a full assessment.

Deposit pathway · GuideCould I buy with a 5% deposit?Check scheme eligibility, property caps, buying costs and lender policy.Check the scheme Kiwi home loans · GuideHow do lenders assess New Zealand citizens?Understand residency, income, deposit and LMI settings before applying.Read the Kiwi guide Personal assessment · Broker helpWhat can I do in my situation?Compare your deposit, income, property plans and lender fit together.Start an assessment

What happens from here

A straightforward four-step process

You will know what is being checked, why it matters and what happens next.

  1. Book a free assessment
    Choose a suitable time and tell us what you are planning to buy.
  2. We research the available options
    We compare lender policy, structure, rates and costs against your position.
  3. Review a clear recommendation
    We explain the suitable options and the trade-offs before you decide whether to proceed.
  4. Apply with support
    If you proceed, we prepare the application and support you through approval and settlement.

How we help

A home-loan plan built around your situation

The right pathway depends on more than citizenship alone. We check the complete position before recommending a lender or scheme.

  • Check low-deposit and LMI pathways
    We confirm whether a 5% deposit option is available and which buying costs still need to be funded.
  • Compare more than the advertised rate
    We compare policy, fees, loan features and structure across the lenders that fit your application.
  • Prepare the application clearly
    We organise the evidence, manage lender questions and keep you informed through approval and settlement.

Related guides

Start hereHome Loans for New Zealand CitizensHow Kiwis living in Australia can buy a home here.Can You Use KiwiSaver To Buy A House In Australia? Everything You Need To KnowThere’s more to it than you thinkSubclass 444 Visa: Home Loans & Buying RightsWhat the Special Category Visa unlocks for Kiwis buying in Australia.Australian Expat Home LoansBorrowing from overseas: currency shading, LVR caps and the AUD-payslip effect.

Know the suitable options before you apply.

A broker can check your eligibility, compare the available lender policies and explain the costs and trade-offs in plain English.

Start a free assessment

or call 1300 088 065

Hunter Galloway Finance Pty Ltd is Credit Representative 476903, authorised under Australian Credit Licence 389328.