★★★★★
"As first-home buyers purchasing in a new country, we were nervous going in, but Paul made the whole experience easy and reassuring. We felt supported every step of the way."
Eligible Kiwi 444 visa holders can buy their first Australian home with a 5% deposit. The government guarantees the gap that would normally trigger LMI.
For years, the First Home Guarantee was largely a non-event for New Zealand citizens living in Australia. That changed when eligibility was extended to many Kiwis on the Special Category 444 Visa — turning a 20% deposit hurdle into a 5% deposit pathway for those who qualify.
The catch is that not every broker keeps current with how the scheme applies to NZ citizens. Eligibility depends on income, prior property ownership, the property itself, lender participation, and a property price cap that varies by location. Get the structure wrong and the application stalls.
Paul Davey works with Kiwi clients on First Home Guarantee applications regularly. He’ll walk you through the criteria, line up a participating lender, and help structure the home loan so the scheme actually works for your situation. Once you're established, Paul can also assist with investment property lending when you're ready to grow your portfolio.
Visa, income, prior ownership and property location reviewed up front.
Shortlist of FHG participating lenders that fit your profile.
Application packaged and submitted to the chosen lender.
Offer with confidence and settle with one point of contact.
Kiwi first home buyers who used Paul to navigate the FHG scheme.
"As first-home buyers purchasing in a new country, we were nervous going in, but Paul made the whole experience easy and reassuring. We felt supported every step of the way."
"Couldn’t recommend Paul Davey enough. As first home buyers, he made the whole process so much easier and less stressful. Always quick to reply and genuinely went above and beyond."
"Paul Davey was our mortgage broker for the purchase of our first home in Australia. We were very anxious about purchasing less than one year in the country. Straightforward and efficient!"
Many 444 visa holders are eligible, subject to income, prior property ownership, and other scheme criteria. A short call is the fastest way to check whether your situation fits.
Yes — price caps apply and vary by region. Paul will confirm the current cap for the area you’re looking to buy in before you spend time house hunting.
Generally yes, but the rules around prior property ownership are more nuanced than they first appear — particularly for buyers who previously owned in New Zealand. Paul will walk through your history.
No. A defined panel of lenders participates and panels can change over time. Paul matches you to a participating lender that also fits your borrowing profile.
Typically ID (passport, visa, driver’s licence), recent payslips, and an outline of your savings, expenses, and any debts. A discovery call gets you a tailored checklist.
Sometimes yes — eligibility for state-based grants depends on your location, the property type, and whether the home is new. Paul will let you know which combinations may apply to your purchase.
