At Four Pillars Finance & Mortgages, we support Kiwis who want to buy their first home, refinance, or invest in Australia. Led by Mamata Shetty, who made the journey from New Zealand herself, we understand the unique challenges and opportunities Kiwi migrants may face when looking to purchase property. Our role is to help you feel supported and informed as you take this step.

Loan Options for Kiwi Migrants

No matter where you are on your journey, we work with you to explore lending pathways that may suit your circumstances. Some of the most common options Kiwis consider include:

• First Home Loans – Guidance in navigating the lending process and understanding available incentives.

• Refinancing Options – Explore opportunities that may help adjust repayments or support cash flow.

• Property Investment Loans – Lending solutions to support clients seeking to expand into the Australian property market.

• Specialised Lending – Options for self-employed borrowers, trusts, or unique income situations.

Your Next Step

Moving countries is a fresh start — and we’re here to support you in exploring home loan opportunities in Australia. Whether you’ve just arrived from New Zealand or have been here for years, our team is ready to assist you on your path toward home ownership.

Moving from New Zealand to Australia is a big step, and buying a home can be an important part of settling in. At Four Pillars, we understand the unique pathway Kiwis take and the options that may be available along the way.

If you’ve been contributing to KiwiSaver, you may be able to use those funds towards your first home purchase in Australia. There are also government grants and support programs that you may be eligible for, depending on your circumstances.

Our role is to assist you in exploring lending options and to guide you through the home loan process. Every situation is different, and we’re here to help you understand what may apply in your journey toward home ownership.

Backed by

Qualified Mortgage Experts

Whether you’re buying property, expanding your business, or seeking personal finance, our expert brokers streamline the process with tailored guidance and end-to-end support — so you can move forward with confidence.

01. Connect    →

We start with a conversation to understand your financial goals and assess your situation.

02. Compare and Strategise    → 

We research and compare lenders to structure the most suitable finance solution for you.

03. Apply & Secure Approval   →

We manage the entire application process and liaise with lenders to get your loan approved and funded. 

04. Ongoing Support   →

Our commitment doesn’t end at settlement — we’re here for future reviews, questions, or new lending needs as your goals evolve.