Helping Kiwis Buy Homes in Australia
Home loans for Kiwis in Australia can feel complicated when you’re dealing with new lending rules and unfamiliar processes. At Finax Mortgages, we make the move simpler with clear advice, honest communication, and lending support tailored to New Zealanders settling or investing in Australia.
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Why It Matters for Kiwis
Buying property in Australia as a New Zealander comes with unique challenges. Each lender has different requirements, and rules around proof of income, tax status, and residency can be confusing. Our team understands how these differences affect your borrowing power. We work closely with you to prepare strong applications, explain every requirement, and make sure you’re ready to move when the opportunity comes. With the right guidance, buying in Australia feels achievable and stress-free.
Our Services for Kiwis in Australia
From your first home loan to refinancing and property investment, we provide mortgage advice and lending options designed to make buying in Australia straightforward for New Zealanders.
Home Loans for Kiwis in Australia
Get mortgage options that recognise your background and income sources. We help you find the right lender and structure for your situation.
Investment Property Guidance
Plan your portfolio with smart lending strategies and clear insights on building long-term value in the Australian market.
Refinancing Support
Review your current mortgage and see if better rates or flexible terms are available. Small changes can make a big difference over time.
Personal Advice Across NZ & AUS
Work with a team that understands both sides of the Tasman. We help you make confident decisions, whether you’re based in New Zealand or already living in Australia.
Your 3 Easy Steps to Buying
We’ve built a process that’s simple, clear, and focused on helping you get results without the stress.
Chat with Lucia
Begin with a friendly conversation about your goals. Lucia will understand your situation, discuss your options, and explain what’s possible based on your finances and residency.
Compare Aussie Lenders
We research and compare a range of Australian lenders to find options that work best for you. You’ll see clear side-by-side comparisons and understand exactly what each offer means.
Get Approved
Once you’ve chosen your lender, we guide you through the paperwork and coordinate the approval process. Our role is to make it simple, transparent, and easy to move forward.
Your Property Solution Guide
Download our practical step-by-step guide to buying property in Australia. Learn how to plan deposits, compare lenders, and navigate approvals with confidence.
Life for Kiwis in Australia
Every Kiwi buyer’s story is unique. Some are building their first home, others are expanding their investments or finding a place for their family. Here’s a glimpse at the people we’ve helped turn their plans into reality with the right lending support and advice.
Why Choose Finax Mortgages
Lucia Ambler understands that every borrower has unique needs and aspirations. That’s why she offers a personalised mortgage experience taking the time to understand your financial goals and create a mortgage plan that aligns with them. Working closely with you to find the most
competitive rates and loan options available.
Flexible Mortgage Options
Choose from a variety of mortgage structures designed to fit your budget and goals, from fixed and variable loans to flexible repayment plans.
Personalised Property Investment Guidance
Lucia shares proven property strategies to help you make informed investment decisions backed by years of experience and market insight.
Trusted Customer Service
We value relationships as much as results, offering clear communication, reliable updates, and genuine care throughout the mortgage process.
Licensed & Accredited Professional
Finax Mortgages operates under full licensing standards, maintaining integrity, transparency, and compliance at every stage.
Meet Your Mortgage Partner
Buying property can feel overwhelming, but you don’t have to do it alone. Hear from Lucia at Finax Mortgages on how we guide Kiwis, first home buyers, and investors with simple, stress-free solutions.
Common Questions
Can New Zealanders buy property in Australia without permanent residency?
Yes, in most cases New Zealand citizens can buy property without applying for special approval. We’ll help you confirm your eligibility and explain how each lender views your application.
What documents do I need to apply for a home loan in Australia?
You’ll need proof of income, ID, and details of your financial position. We help you prepare these correctly so lenders can process your application quickly.
Can I use my income from New Zealand to get a loan in Australia?
Some lenders accept New Zealand income, while others prefer Australian-based earnings. We identify the right lenders who will consider your situation.
Is the process different if I’m already living in Australia?
Yes, living in Australia gives you more lending options. We’ll help you compare choices and find the best fit for your current circumstances.
Can you help if I’ve already been declined by a bank?
Absolutely. We can review what went wrong, explore alternative lenders, and strengthen your application for the next submission. You can also learn more on our Bank Says No page for clients who need second-tier or non-bank lending support.
