Coolum Beach based, working with Kiwis across Queensland and Australia-wide. First home, refinance, investment — Paul Davey has spent a decade helping Kiwis navigate Australian lending.
Free 15-minute call • No credit check • Obligation free
Access to Australia’s major banks, second-tier banks, and specialist lenders — in one conversation.
Lender availability subject to your situation and lender policy. Logos remain property of their respective owners.
Whether you’re buying your first home, refinancing for a sharper rate, or financing a new car — expert advice and access to a wide panel of lenders make the difference.
New Zealand citizens on a 444 visa may qualify for the First Home Guarantee — potentially avoiding LMI.
FHG for Kiwis
Access over 30 lenders to find a structure and rate that fits your situation, with deposits from as little as 5%.
Explore home loans
Review your current loan, unlock equity, or consolidate debt with a structure that suits where life is now.
See refinancing options
Build a property portfolio with lending strategies designed for cash flow, growth, and long-term wealth.
Investor lending
Walk into auctions and inspections with the confidence of a clear borrowing position and a written pre-approval.
Book a strategy call
Fast pre-approval on car finance — many applications can be approved with just one payslip.
Apply for a car loan
Paul Davey is a New Zealander with almost a decade of broking experience across both sides of the Tasman. He specialises in helping Kiwis navigate the Australian property and lending landscape — from a first home, to refinancing, to building a property portfolio.
Based in Coolum Beach on the Sunshine Coast, Paul works with clients across Queensland and the rest of Australia — in person or fully online.
Most brokers see a 444 visa once or twice a year. Paul sees them every week — the policies, the lenders, and the pathways that actually fit Kiwis in Australia.
Most brokers don’t deal with NZ citizens often. Paul does — including First Home Guarantee eligibility for 444 visa holders.
One broker, dozens of lenders compared in a single conversation — including options most Kiwi clients have never seen.
From pre-approval, to settlement, to post-settlement reviews — one point of contact who knows your file.
Based in Coolum Beach, working with clients across QLD and Australia — in person or fully online.
No jargon. No surprises. You always understand what is happening and what comes next.
Need a conveyancer, accountant, or buyer’s agent? Plug into a vetted network of trusted partners.
Real reviews from Kiwis who used Paul to navigate Australian lending.
"We chose Paul as our mortgage broker because, as fellow Kiwis, we wanted someone who truly understood us and how we work — and we’re so glad we did. Paul secured our loan super quickly and guided us through each step with confidence and ease."
"100% Rockstar. Less than two weeks for settlement. Paul was able to wave his magic wand, come up with multiple solutions and make it all happen seamlessly."
"Paul and the team at UNO Home Loans have been absolutely amazing. It’s been a 9 year goal for my family to get back into the market — from the first Zoom call all the way to settlement I have felt taken care of and at ease."
A no-pressure conversation about your goals, timeline, and current situation.
Paul builds a borrowing strategy and compares lenders that fit your structure.
Document collection, lender liaison, and pre-approval handled end-to-end.
Coordination through to settlement — plus ongoing reviews to keep your loan sharp.
No. Most New Zealand citizens living in Australia hold a Special Category 444 Visa, which is treated as a permanent visa for many lending and government scheme purposes — including the First Home Guarantee.
Many lenders require a 20% deposit to avoid Lender’s Mortgage Insurance (LMI). However, several pathways allow approvals from as little as 5% — including the First Home Guarantee for eligible Kiwis.
Eligible 444 visa holders may purchase a first home with a 5% deposit and have the government guarantee the gap that would normally trigger LMI. Eligibility, property price caps, and income limits apply — Paul will walk you through the criteria.
Mortgage brokers in Australia are typically paid a commission by the lender that funds the loan. There is generally no fee charged to you directly for standard residential lending. Paul will always disclose how he is paid before you commit.
No. Paul is based in Coolum Beach but works with Kiwi clients all over Australia. Conversations and document collection happen by phone, email, video call, or in person if you’re local.
Most pre-approvals can be completed within a couple of weeks of receiving your documents. Settlement timeframes depend on the property contract, but Paul keeps you informed at every step so there are no surprises.
Generally: ID (passport, visa, driver’s licence), recent payslips, current employment details, and an outline of expenses and existing debts. A short discovery call is the easiest way to get a tailored checklist.
Yes. Car loans can often be approved with just one payslip. It’s a quick add-on for clients already working with Paul on home lending.