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Can NZ citizens buy property in Australia?

The Ultimate Guide for New Zealand Citizens Buying Property in Australia

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Table of Contents

Table of Contents

Can New Zealand citizens buy property in Australia? The answer is a big YES! However, there can be a bit of confusion when it comes to buying in Australia. In this article, we will tell you everything you need to know about buying a property in Australia and answer all of your questions. We will also cover whether or not you are eligible for the First Home Owners Grant.

Note: We can only assist if you are a New Zealand citizen who is LIVING and WORKING in Australia. If you are LIVING and WORKING in New Zealand we cannot assist with finance due to restrictions with our credit license.

But we have included details below on lenders that can assist if this is your situation.

Quick Overview - New Zealand Citizen Home Loans

  • Eligibility: New Zealand citizens can buy property in Australia.
  • Loan Amounts:
    • Up to 95% of property value if living in Australia.
    • Up to 70% if living in New Zealand or elsewhere.
  • Interest Rates: Vary by lender; higher rates likely if living outside Australia.
  • Visa Holders: 461 Visa holders can qualify for home loans.
  • Government Approval: Not required for standard residential property.
  • Stamp Duty:
    • Exempt from surcharge if on a Special Category Visa.
    • Additional 7% for Foreign Acquirer Duty in Queensland if living outside Australia.
  • First Home Owners Grant: Eligible for $15,000 grant in Queensland; conditions vary by state.
  • Eligibility for Home Guarantee Scheme: As of June 21, 2024, New Zealand citizens who hold a Special Category Visa Subclass 444 (SCV) are eligible for the Home Guarantee Scheme, subject to meeting all other eligibility criteria.
  • Investment Properties: Eligible to purchase; subject to specific conditions.
  • Non-Resident Withholding Tax: May apply if living in New Zealand.
  • Documentation Needed:
    • Identification: Passport, driver’s license, or birth certificate.
    • Financial Information: Bank statements, pay slips, tax returns, and proof of savings.
    • Employment Details: Employment contract, recent payslips, and a letter from your employer.
    • Visa Information: Visa grant notice if applicable.
    • Property Details: Contract of sale, details of the property, and valuation reports.
    • Other Documents: Credit report, rental statements (if applicable), and a list of assets and liabilities.
  • Next Steps: Contact a mortgage broker for personalised assistance and to navigate the process effectively.

Can I get a home loan in Australia?

If you are a New Zealand citizen, you can buy townhouses, detached houses, units, vacant land and even commercial properties. However, the property must be in Australia. We are not able to help you buy a house in New Zealand from Australia.

How much can I borrow?

How much you are eligible to borrow depends on your personal situation and each individual lender’s policies. However, as a general rule, you can borrow:

  • Up to 95% of the value if you are living in Australia as a New Zealand citizen. If you are a non-New Zealand citizen living in Australia on a 461 visa (New Zealand Citizen Family Relationship Visa), you will be eligible to borrow up to 95% of the property value and may be eligible for the first homeowners grant.
  • Up to 70% of the property value if you are living in New Zealand. Some lenders like  ANZ Bank and Westpac will allow you to borrow up to 70% of the property value if you are not living in Australia. But if you are buying in Queensland, you will need to pay the Foreign Acquirer Stamp duty, which will add 7% to the standard stamp duty costs. On a $500,000 purchase, this would mean a total of $52,461 in stamp duty payable (on top of your 30% deposit). As mentioned above, we cannot assist you with arranging finance if you are working and living in New Zealand.
  • Up to 70% of the property value if you are a New Zealand citizen living elsewhere (i.e., not in Australia or New Zealand). However, as a non-resident in Australia, you may need to pay a higher rate of stamp duty. In Queensland, this is an additional 7% of the property’s value. As mentioned above, we cannot assist you with arranging finance if you are working and living abroad.

Latest update: New Zealand citizens now eligible for the Home Guarantee Scheme

Home Loans for New Zealand Citizens in Australia

Following the announcement from Housing Australia on Friday 21 June, New Zealand citizens who hold a Special Category Visa Subclass 444 (SCV) are eligible for the Home Guarantee Scheme, subject to meeting all other eligibility criteria. Here’s what you need to know:

Home Guarantee Scheme Eligibility

  • SCV Subclass 444 Holders: Eligible for the Home Guarantee Scheme if all other criteria are met.
  • Verification: Verify SCV subclass 444 via a VEVO check or sighting the original visa.

Procedures and Updates

  • Application Process: Continue to follow Home Guarantee Scheme procedures on Commbroker to lodge new applications.
  • Residency Confirmation: When confirming customer residency status via VEVO, proceed with the HGS application if the customer is a New Zealand citizen on a special category visa subclass 444.
  • Documentation: Image a copy of the Visa/VEVO check to the application.
  • Commbroker Updates: Updates will be available by Monday 1 July.

Important Dates

  • Scheme Places Release: On Monday 1 July 2024, the Australian Government will release FY25 Scheme places for the First Home Guarantee, Family Home Guarantee, and Regional First Home Buyer Guarantee.
  • Eligibility Period: From 1 July 2024 to 31 August 2024, customers can secure a Scheme place prior to receiving their Notice of Assessment for the year ended 30 June 2024.

Required Actions

  • Notice of Assessment: Formal approval is conditional on obtaining a Guarantee Certificate before settlement. Encourage customers to obtain their Notice of Assessment for the year ended 30 June 2024 as soon as possible to minimize settlement delays and/or Scheme expiry.
  • Home Buyer Declaration: For all FY25 Scheme places, an FY25 Home Buyer Declaration must be provided. An incorrect declaration will delay the issuance of a Guarantee Certificate.

Required Documentation

To secure a Scheme place, the following documents must be provided:

  • Proof of Citizenship or Australian Permanent Residence
  • Medicare Card
  • FY25 Home Buyer Declaration (if available)
  • Notice of Assessment, year ended 30 June 2024 (if available)

Document Verification

Supporting documents can be:

  • Certified copies
  • Photocopies if verified face-to-face by the broker at the time of interaction
  • Verified copies from legitimate third-party agencies such as Credit and Government agencies.

What will my interest rates as a New Zealand citizen be like?

What interest rates will I get as a New Zealand citizen?
As a New Zealand citizen, your interest rates may vary depending on each lender's policies

If you are not an Australian citizen but are living in Australia, your interest rates may vary depending on each lender’s policies, as some lenders charge higher rates for foreigners.  If you are living outside of Australia, you have a higher chance of paying higher interest rates. This is why it is important to work with a mortgage broker who can determine which lender suits your loan needs best and can provide you with the best interest rates. For example, we can 

get you the same interest rates even if you are lending up to 95% of the property value. Also, if you’re applying with a low deposit,  there may be a suitable solution for you.

Do 461 Visa holders qualify for a home loan?

The 461 visa is a New Zealand Citizen Family Relationship (temporary) Visa, which allows those who are not ‘New Zealander’ to live and work in Australia for up to five years. To qualify for a home loan under this visa, you must be part of a ‘family’ with a New Zealand citizen in Australia and be on a temporary Special Category visa (subclass 444) or SCV.  A ‘family’ is considered either married, in a de facto relationship, or you are the child or stepchild of the New Zealand citizen or their partner. It is best to speak with a qualified advisor about visa requirements.   

You will need to have your visa fully approved before you can apply for the home loan. If both applicants hold a visa, the focus will be moved to the 461 visa. Often, the borrowing capacity for those on this visa is limited to 70%. However, some lenders will go up to 95%. Get in touch with us today to find out how much you can borrow on the 461 Visa.

What about if I'm a New Zealand citizen wanting to buy in Australia, but I am still living in NZ?

What if I am still living in New Zealand
Australia and New Zealand have trade agreements which make it easier for you to buy a house in Australia while living in New Zealand

Although it is perceived that if you’re living in Australia, you are a lower-risk borrower than if you’re in New Zealand, Australian lenders are mindful of the Australia-New Zealand tie when going through the mortgage process. So you should be able to buy a house without problems.  The biggest issue most New Zealand-based citizens face is the additional stamp duty payable on purchases in Australia. In Queensland, the Additional Foreign Acquirer Duty adds 7% to the regular stamp duty payable. In addition to this, you will be required to provide a minimum 30% deposit to qualify for a loan.

If you live in Singapore, Hong Kong, the UK, or the UAE, the process can be a little harder as these countries are not seen as having any ties to Australia. Some lenders will still allow you to borrow, but it is really on a case-by-case basis. 

As mentioned above, due to limitations with our credit license, we cannot assist with finance if you are living and working in NZ. Some banks, like ANZ and Westpac Banks based in Australia, can consider your situation on a case-by-case basis, but you will need to discuss it with them directly. 

Read More: Calculate how much stamp duty you will need to pay.

Do I need approval from the government?

If you are a New Zealand citizen looking to buy a standard residential property, you do not need the approval of the Foreign Investment Review Board (FIRB). Your home-buying process is exactly the same as that of an Australian citizen buying a property in Australia.  However, if you are looking to buy commercial property, you may need to get FIRB approval.

Speak to our team of experts about this for more information.

Why are so many people investing in Australia now?

In 2016, the Reserve Bank of New Zealand put a speed limit on banks’ lending, which has reduced the number of loans that can be approved for investors with a low deposit (less than 40%). Due to this, New Zealand property investors are turning to Australia because they can still purchase property with a lower deposit.

Can I buy an investment property?

Can I. buy an investment property as a New Zealand Citizen?
You can buy an investment property in Australia if you are a New Zealand citizen.

The good news is yes! As a New Zealand citizen buying in Australia, you are eligible to use your loan for any kind of residential housing, whether you want to live in it or buy it as an investment property. Commercial loans depend on the circumstances, so it’s best to seek advice from a mortgage broker (us!) about your personal situation.

Do I have to pay stamp duty?

The government introduced a Stamp duty surcharge in 2016 specifically for foreigners looking to buy property in Australia. When citizens from New Zealand arrive in Australia, they are allowed a Special Category Visa (subclass 444). If you are on this visa, you will be exempt from having to pay stamp duty surcharge, which is normally required for New South Wales (NSW), Victoria (VIC), Queensland (QLD), Western Australia (WA), South Australia (SA), the Australian Capital Territory (ACT) and Tasmania (TAS).

stamp duty qld uses
The Queensland Government uses stamp duty for health, emergency services, police and also for helping other first home buyers with the first home owners grant.

However, you’ll need to be aware that in New South Wales, you’ll need to be in the country for at least 200 days to avoid this fee. You’re also required to be in the country at the time of settlement and contract signing to be eligible to avoid the stamp duty charge. The only state that you can remain outside of Australia at the time of settlement is the Northern Territory.

Non-Resident Withholding Tax

If you live in New Zealand, you may be subject to Non-Residence Withholding Tax. The tax, in summary, is as follows…. If you were given a normal interest rate of 4.00 %,  you’d effectively be paying 4.40% due to the tax. So, in certain circumstances, it’s best to make a purchase with a small deposit and refinance to find a lender that meets your criteria to avoid paying the additional tax.

Non-Resident Withholding Tax is a complex situation that we recommend you speak with your accountant about. You’ll need to ensure you meet the lending criteria; otherwise, you may be forced to pay the tax. 

What about the First Home Owners Grant – are New Zealand citizens eligible?

First Home Owners Grant QLD
As a Kiwi buying in Australia you could qualify for the First Home Owners Grant of $15,000 in Queensland.

Since New Zealand citizens are considered permanent residents of Australia, they are eligible for the $15,000 grant. However, each state may have some variations. For example, in NSW, you’ll need to have lived in the country for over 200 days to be able to buy a property and apply for the First Home Owners Grant.

If you are a first-time home buyer, you may also be eligible for waived stamp duty – meaning you could pay zero stamp duty and save thousands!

Can I use equity to buy a property in Australia (from my property in New Zealand)?

If you’re thinking about using your equity from a property in New Zealand, you’ll need to follow this process:

  • First, refinance your mortgage and release the equity in New Zealand – you’ll need to seek guidance from your bank in New Zealand for assistance on this.
  • Next, purchase the property in Australia  with the equity from your property in New Zealand

Some finer details: You will be eligible to borrow up to 60% of the value of your NZ investment property or up to 80% of the value of your owner-occupied home in New Zealand.  If you want to borrow more, some lenders can help you, but you may have to pay higher interest rates. 

Can I buy a previously owned property?

Can i buy existing property as a New Zealand Citizen

Yes! Normally, foreign citizens are only eligible to purchase new properties in order to comply with Australian legislation. But if you are a New Zealand citizen, you can buy as though you are an Australian citizen — meaning you can buy new or existing properties.

Why do we get certain rules as a New Zealand citizen?

As always, it depends on the bank you’re working with, so it’s important to get a good mortgage broker (like us) to help sort out your situation. Certain banks actually favour New Zealand citizens due to the joint agreements for legal, trade and residency purposes in their country. New Zealand also uses VedaScore, which Australia also uses as its chosen credit reporting system, so the whole process is a lot easier. You don’t need to be an Australian citizen to apply for a home loan in Australia.

What documentation will I need to apply?

To help your application go through as quickly as possible, you’ll need to bring supporting documents like bank statements, payslips, and identification. Contact us for a free assessment to chat about your personal situation.

Next steps and buying a home in Australia

Ready to buy a home in Australia but don’t know where to start? Our team of home loan experts at Hunter Galloway is here to help you buy a home in Australia.  Unlike other mortgage brokers who are just one-person operations, we have an entire team of experts dedicated to making your home loan journey as simple as possible. Our service does not cost you anything, as we are paid by the lender when your home loan settles.

If you want to get started, please give us a call on 1300 088 065 or book a free assessment online to see how we can help.

hunter galloway - mortgage broker brisbane team
Our team of home loan experts is here to help you buy a home in Australia.

Note: The information on this page is general and should not be considered as advice. Before you act on this information, you must seek independent legal and financial advice.

More resources for homebuyers:

Why Choose Hunter Galloway As Your Mortgage Broker?

Mortgage Broker of the Year
in 2017, 2018 and 2019
The highest rated and most reviewed
Mortgage Broker in Brisbane on Google
One of the lowest rejection rates

across Mortgage Brokers in Australia

Approximately 40% of home loan applications were rejected in December 2018 based on a survey of 52,000 households completed by 'DigitalFinance Analytics DFA'. In 2017 to 2018 Hunter Galloway submitted 342 home loan applications and had 8 applications rejected, giving a 2.33% rejection rate.
We have direct access to 30+ banks
and lenders across Australia
Get a Free Assessment

We promise to get back to you within 4 business hours

Our checklist
1
Do you know your borrowing power?

Borrowing power, also known as borrowing capacity, is a term that lenders use to describe how much you might be able to borrow, based on your financial situation.


It's important to have a clear idea of your borrowing capacity so that you can begin to research and understand what sort of properties you can afford. Knowing this will help you make sure that you don't overstretch yourself.


You can check your borrowing power by using a calculator. Alternatively, when you speak to one of our brokers at Hunter Galloway we will calculate your borrowing power for you.

2
Make sure you have enough deposit

You will need to have a deposit saved up before you can go to a bank and get a home loan. As a bare minimum, you should aim to have 8-10% of the purchase price saved as a deposit, and at least 5% of the purchase price should be held in your savings accounts for 3 months or longer.


Having a larger deposit (up to 20%) will save you money as you will avoid lender's mortgage insurance and get access to better interest rates on your loan but it is not necessary.


If you don't have at least 8% of the purchase price saved as a deposit, you will need to keep saving before you can get a loan. Alternative options for getting a home loan without an 8% deposit are guarantor home loans, or gifts of money from family or friends.


You can try our deposit calculator to see if you have enough savings to buy your home.

3
Check your credit score

Your credit score, or credit rating, is one of the key factors a lender will look at when you apply for a home loan. The higher your credit rating, the more likely they are to approve your application.


Your credit rating takes into account previous applications for credit and whether you have any defaults, judgements, or credit infringements recorded against you. It also includes information about whether you're meeting your credit card and other loan or debt repayments on time.


You can check your credit score for free once a year by contacting one of Australia's credit reporting agencies. Here at Hunter Galloway, our credit team will review your credit report as part of our loan application process. So if you haven't had a chance to check your credit report, don't worry - we can do that for you.

4
Minimise your spending

Getting approved isn't just about having a deposit and a good income. Lenders also want to look at your bank statements to see where your money goes. Sometimes they will examine your expenses in great detail.


To improve your chances of being approved, aim to build a track record of sensible spending for at least three to six months before applying. Look to cut down on any excessive lifestyle costs, both big and small.

5
Get rid of unnecessary credit and pay off your debts

Your access to credit and other debt such as personal loans and car loans are another major factor in your ability to get a loan.


The more debt you're carrying, the more you'll have to commit to it each month, which means less money available to spend on your home loan repayments. This reduces your borrowing capacity and makes it less likely a lender will approve your loan application.


Pay off whatever debts you can before applying for a loan. This includes even small debts, such as buy now, pay later services like Afterpay, and interest-free purchases on furniture and other items.


And it's not just about debt - access to money is equally important. Lenders will assess your application based on your total credit card limit. For example, if you have a combined limit of $20,000 across several credit cards (or even just one), they will calculate your minimum repayments owed on the full $20,000, even if you only owe $1000.


To increase your chances of getting your home loan approved, pay off and close down any credit cards you're not using, and request a decrease in your credit card limit for any cards that you can't close down.

6
Hold off on career changes

When applying for a loan, lenders are looking at more than just your income. They also want to see that you've been in your job for a decent amount of time (or at least in the same career). This comes down to risk - if you're in a new career, they are less confident that you'll keep your job, which means you might risk defaulting on your home loan repayments.


Changing jobs within the same career is usually okay, and there are some lenders for which this is less of a dealbreaker, but we recommend holding off on changing careers until after you've got your mortgage.

7
Clean up your bank accounts

Having a messy banking situation, such as having accounts with five-plus banks and getting paid into multiple bank accounts makes it hard to track where you are getting paid. And the harder it is to track your financial situation, the less likely a lender will approve your application.


Before applying for a home loan, do what you can to simplify your banking situation. If you are paid into multiple bank accounts, request that you are paid into a single bank account. Where possible, look to consolidate your accounts and close down the ones that you are no longer using.


This also goes for credit cards: if you have a bunch of different credit cards try to consolidate them using a balance transfer, or simply pay off the balance and close them down.

8
Check your eligibility for the First Home Owners Grant

If you're planning on using the First Home Owners Grant, it's a good idea to check your eligibility before applying for your loan. That way you're saving yourself from any nasty surprises.


In Queensland, you can receive a grant worth $15,000 if you qualify. In order to qualify for the grant:

  • You must be at least 18 years of age
  • You must be an Australian citizen or permanent resident (or applying with someone who is)
  • You or you spouse must not have previously owned property in Australia that you lived in
  • You must be building or buying a brand new home
  • The value of the home including the land must be less than $750,000
  • You must move into the new home as your principle place of residence within 1 year of the completed transaction and live there continuously for 6 months.

If you are unsure if you qualify for the First Home Owners Grant, give us a call here at Hunter Galloway. One of our brokers will be able to walk you through the grant requirements and help you understand if you qualify.

9
Choose the right lender

No two lenders are the same. While every lender will want to be confident that you can repay your loan, each has slightly different criteria for how they'll assess your application. Applying to the right lender will maximise your chances of success.


Searching for the right lender can be a challenging task. There are more than 40 different lenders in Australia, and each of them offer multiple loan products with different requirements and assessment criteria. Choosing the wrong lender will cost you time and money, along with the inevitable disappointment if your home loan gets declined.


Save yourself the stress and use a mortgage broker instead of doing it yourself. They'll take the time to understand your individual circumstances and find you a lender who has a high chance of approving your loan.


They can also make sure that you have all the information needed to support your application, and be there to support you every step of the way in the process of applying for your home loan.

10
Use a good mortgage broker

Going directly to a bank for your loan is fine if you know exactly what you're looking for. But if you have any concerns about getting your home loan approved, a good mortgage broker will make your search for a home loan much easier, and much less stressful.


It hurts me to say this, but the mortgage broker industry is a bit of a mixed bag. There are some really fantastic brokers out there, but there are also a few bad eggs in the bunch. Using a good broker will make your home loan application a breeze. Using a bad one will make your home loan application a nightmare.


Before choosing your mortgage broker, take a look at their Google reviews and website to make sure that they have a good reputation, are highly experienced, and take care of their customers. If you're looking for the right broker, we'd love to have a chat with you and show you why Hunter Galloway is Brisbane's highest rated mortgage broker.

1
Do you know your borrowing power?
2
Make sure you have enough deposit
3
Check your credit score
4
Minimise your spending
5
Get rid of unnecessary credit and pay off your debts
6
Hold off on career changes
7
Clean up your bank accounts
8
Check your eligibility for the First Home Owners Grant
9
Choose the right lender
10
Use a good mortgage broker
Roadmap to applying for a loan
Roadmap to applying for a loan
Contact Us
Roadmap to applying for a loan
1. Speak to a mortgage broker

In your initial conversation with your Mortgage Broker, you will have a chat about your situation, what you are wanting to achieve and reasons for getting a home loan.


During this discussion, we’ll work out your eligibility for a home loan, let you know how much deposit you will need to buy and how much you will be able to borrow across our 30+ banks.


After our discussion, we will look to find you a selection of lenders who can offer the best loan packages at the lowest interest rate, and provide you with a list of options.

Roadmap to applying for a loan
2. Prepare your application

Once we've discussed your home loan options and you've decided on a loan package, our team will put together your loan application & get everything ready to submit to the bank.


We start with a preliminary assessment where we will take time to go through your payslips, bank statements and other information provided in detail to make sure everything will be acceptable to the bank. At Hunter Galloway, we believe ‘slow is fast’ so we take more up front to double check your paperwork to ensure your loan is approved first time.


Once we've done our assessment, assuming everything is all good, we will provide you with the final set of documents (like the bank application form) and sign a privacy form. Once the broker collects all the documents, they are emailed to the lender.

Roadmap to applying for a loan
3. Approval in principle (Conditional approval)

Now it’s time to sit back and wait for the bank to assess your home loan application.


It usually takes between 3 to 5 days for your home loan application to progress through the queue, be picked up by a credit officer and then receive conditional approval.


It will take longer if the information is missing, so this is why we take a little bit more time in Step #2 to make sure we have all the information up front.


The approval of an application depends on certain conditions; for example, the bank can approve your loan subject to you finding a suitable property, or even subject to a satisfactory property valuation (Step #4).


At Hunter Galloway we have ‘Priority Status’ with a large number of banks on our panel, this provides our customers with faster approval times and access to specials that aren’t available to the public.

Roadmap to applying for a loan
4. Valuation

After you find the right property and sign a contract of sale your Mortgage Broker will arrange a property valuation by one of the bank’s panel valuers. While the valuers work on behalf of the bank, they are not employed directly by the bank meaning they can complete a valuation independent from the bank.


In many cases we can arrange valuations up front before your loan is submitted to help speed up your loan application so we can skip this step completely and go straight to unconditional approval.

Roadmap to applying for a loan
5. Formal approval (Unconditional approval)

Also known as formal approval, an unconditional approval means the lender is happy to approve your loan! They will also send you an unconditional loan approval letter to confirm everything in writing.


Formal unconditional approval can only be done once the bank has verified all of your outstanding information, including the property valuation and can take between one day up to one week to complete.


You want to make sure you have your unconditional approval before satisfying the finance clause on your contract.

Roadmap to applying for a loan
6. Signing your loan documents

After your loan has been unconditionally approved the bank will send your loan documents to you to sign. These documents can be a little complicated and include Loan Contracts, Mortgage Documents, Direct Debit forms, and a bunch of other stuff.


The good news is that your Mortgage Broker will arrange a time to catch up and help you sign them. This also makes sure no signatures are missed, and your settlement isn’t delayed.


If you are buying a home, you also want to get in touch with your solicitor or conveyancer at this point to double check there aren’t any transfer or legal documents you need to sign before settlement.

Roadmap to applying for a loan
7. Settlement

After your loan documents have been received by the bank, they will complete their certification to confirm everything has been signed correctly and go ahead with booking settlement.


When you are buying a home, the bank will then get in touch with your solicitor, or conveyancer to let them know everything is good to go. Your solicitor or conveyancer will then arrange the settlement date.


On the other hand, if you are refinancing a home your new bank will get in touch with the old bank to arrange a date for settlement.

Roadmap to applying for a loan
1. Speak to a mortgage broker
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Roadmap to applying for a loan
2. Prepare your application
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Roadmap to applying for a loan
3. Approval in principle (Conditional approval)
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Roadmap to applying for a loan
4. Valuation
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Roadmap to applying for a loan
5. Formal approval (Unconditional approval)
Home Loan Approval Process [What happens after home loan approval?]
Roadmap to applying for a loan
6. Signing your loan documents
Home Buying Process Australia [Step by step tips]
Roadmap to applying for a loan
7. Settlement
HOW TO PAY OFF YOUR MORTGAGE FASTER AUSTRALIA [2021 Update]