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Moving to Australia


Moving from New Zealand to Australia

So, You have decided to move to Australia. These are some of the things you need to know.Note that this is based on moving to Queensland. The process and requirements will vary from State to State.

Disclaimer : None of what follows is legal advice. Most of it applies to Queensland. Other states will have their own rules and regulations. This was my understanding and was accurate in 2023 and 2024. Rules will change over time.

  1. You should always consult the relevant websites for current rules.
  2. You should always engage lawyers and accountants for relevant advice.

This is a large blog and is divided into sections, each of which could easily be in their own page.

  1. Why have I written this?
  2. Which State and City should you move to?
  3. Perks of being a Kiwi
  4. What should you do first?
  5. Opening a Bank Account
  6. Getting a Mobile number
  7. Renting a House
  8. Getting Power connected
  9. Getting Tenant's Insurance
  10. Make Several Trips/Visits
  11. Getting a Medicare card
  12. Buying a Car
  13. Getting a Driver's Licence
  14. Driving a Car
  15. How to Transfer Money over?
  16. Credit Cards and Paypal
  17. Assets and Capital Gains Tax
  18. Buying Property in Australia
  19. Setting up a New Company
  20. The Moving Process
  21. What not to Take
  22. What to Buy right away
  23. What to Ship Over
  24. They love Acronyms

  1. Why have I written this?

    There are many sites on this topic. Having moved myself, I found that they were lacking in many aspects. I will start by trying to complement these sites.
  2. Which State and City should you move to?

    There are many factors to decide this.
    1. Busy : If you are looking for a busy lifestyle, then Sydney or Melbourne is the way to go. We thought they were too busy and there is too much traffic.

    2. Relaxed : If you are looking for a more relaxed lifestyle you can choose a small town. Or you could chose Canberra or Brisbane. We thought that Brisbane was a good compromise.

    3. Climate : Invariably, you are looking for a warmer climate. This means that Queensland is probably the way to go. Any further North is too hot.

    4. Friends : If you know people in a city then that can be a plus. Try to move some place where you know at least a couple. It will make things much easier.

  3. Perks of being a Kiwi

    If you have a NZ passport, you automatically get some perks. As soon as you enter Australia, your passport is automatically stamped with a residency status. While you are in Australia, you are technically a resident. But you lose this residency as soon as you exit Australia.

    This is a legal status and has many ramifications (below). If a form requires a visa status, your passport number will satisfy that.

  4. What should you do first?

    Doing almost anything in Australia requires local documentation. Some examples

    1. Test Driving a Car - Needs a local driver's licence or proof of Australian address.

    2. Renting a House - Needs a local driver's licence, history of renting in Australia and history of employment.

    3. Buying a Car - Needs a local driver's licence or a CRN at the Department of Transport and Main Roads (QLD).

    Obtaining local documentation and IDs is a cyclic process. Each document requires one or more of the others. This is the order we did things in, to break in.

    1. Open a Bank Account and get a Debit card. Remember you are a resident while you are there - use a friend's address. Tell them an approximate moving date, it is not binding. Open an account even if you are not moving over.

    2. Get a local mobile number. Again, some fluidity may be required. Get an eSIM, so you toggle between the two numbers.

    3. Rent a house. We had to offer to prepay a whole years rent in advance to jump the queue and the selection process. Suddenly you don't need rental history or employment history. This is now technically illegal, but you can state it and make the payment after signing the normal lease. The lease document is proof of address.

    4. Get power connected. Sadly, this can only be under one name. But it gives one of you proof of address.

    5. Get a Medicare card. You need the above and the Sales agreement of your house sale in NZ.

    6. Get a Driver's licence. You need all of the above.

  5. Opening a Bank Account

    If you are visiting Australia regularly, I would advise you to open a bank account as soon as you are able to. We selected ANZ, but almost any large bank will do. By default, they give you a debit card, so accept it. For some formalities, having a credit card and a debit card has advantages. Also see the section on Credit Cards.

    You can open a bank account online, but they may want to see some ID in person the next time you are in Australia. Note, joint accounts may need a personal visit. For ANZ, you can book an appointment on line. This is the best way.

    If they want a NZ address, give a friend's address. They will only post the debit card to an Australian address. They will accept a Kiwi mobile number. But only in person as most Aussie software will not accept Kiwi mobile numbers. If the operator persists, often a "04" will get prepended!

  6. Getting a Mobile number

    If you are visiting Australia regularly, get a local number. If your phone has only one SIM slot, you can get an eSIM. There are pre-pay plans that you only need to top up yearly, but it gives you an Aussie mobile number. No one advertises this, you have to ask for it.

    When we made the decision to move over, we actually got a full fledged monthly plan. And we had a message recorded on both numbers to call the other one if there was no reply. For a few months we had both numbers active (one always on roaming).

    There is a lot of paperwork, just walk into a shop and they will put you in the queue. No appointment necessary.

    The best company to go for is Telstra. It is the largest and has good coverage. We made the mistake of going to Vodafone first and found many holes in coverage in major cities such as Canberra and in car parks. If there are two of you, the best plan is the one that lets the lower plan to share the other one's data.

  7. Renting a House

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  8. Getting Power connected

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  9. Getting Tenant's Insurance

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  10. Make Several Trips/Visits

    For the best outcome, you need to make several trips and you need a friend where you can store things. On every trip, pack your bags to the maximum and leave things behind at a friends place. Plan the final trip on business class (if you can afford it). This gives you 3 checked in suitcases, 2 carry-on suitcases and a laptop bag EACH.

    Items to take over (assuming you already have some spares)

    1. Plug Extension boards
    2. USB and power extension cables
    3. Half a dozen of forks, knives, tablespoons and tea spoons
    4. Prescription Medicine. Go back for repeats in 2 months instead of 3 and take the surplus over
    5. Iron, curling tongs and hair dryer
    6. Stationery - pads, sellotape, scissor, stapler, pens
    7. A chopping board and a cutting knife
    8. Clothes - lots of clothes

    Items to buy there, use in your visit and leave the rest for the next trip

    1. The above list, if you don't have spares
    2. Coffee, tea, sugar and cereal
    3. Shampoo, conditioner, body wash, toothpaste
    4. Sauces, pickles, salt and pepper
    5. Panadol, bandaid, deodarants, perfumes and hairspray
    6. Half a dozen of dinner plates, side plates, coffee mugs and glasses
  11. Getting a Medicare card

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  12. Buying a Car

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  13. Getting a Driver's Licence

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  14. Driving a Car

    Unlike NZ, most drivers in Australia will not slow down to let you in, if you are indicating. However, if you indicate and hop in front, they WILL slow down and not hit you. They will only toot if the timing was rather short or if you nearly hit them.

    Its just a fact of life that every one needs to make quck decisions and change lanes. Especially since the intersections are clsoer together, the driving speed is high and Google sends things to their server (for Waze and Maps) which can be a slow process outside of USA.

    In Queensland, you are allowed to do U-turns on uncontrolled intersections. At traffic lights you can do U-turns only if it''s indicated. Note that in NSW, U-turns are permitted at traffic lights unless signed otherwise.

  15. How to Transfer Money over?

    1. AML : Moving a large amount of money means doing AML over and over again. When you sell a house, notify the transfer agency and supply them with the Sale and Purchase agreements when you bought the house and when you sold the house. And tell them that you will be moving the money slowly.

    2. Authorisation : You will need authorisation at your Bank to transfer large sums of money. If you are with Kiwibank, you are stuffed. ANZ will raise your limit to 250K. But its 250K per transaction, not per day. Any more has to be done at the bank, for which you also have to pay a fee.

    3. Agency : I compared ANZ, Kiwibank, XE and Wise. Every time, Wise gave the best rates. I also found their process the easiest. Shop around. Your experience may be different.

  16. Credit Cards and Paypal

    When you first move it will be almost impossible to get credit cards in Australia. The Banks apply idiotic items such as future expenses, but not future earnings.

    The temptation is to keep using your New Zealand credit cards, but there are some problems.

    1. Currency Conversion : Every transaction that goes through will be converted to NZ dollars and will have a currency conversion fee attached to it.

      Open a local bank account and use your debit card. Forget about trying to collect air points.

    2. Verifications : Many cafes and restaurants now prefer that you order at the table. Unfortunately, this means that your NZ bank is going to want to send you an SMS. Which means you have to be on roaming.

      Before departing, visit all the banks you have cards with and change your mobile number to the Australian one. Or, use a local debit card.

    3. GST : I bet you, you didn't even think of this. Every transaction will have the Australian GST as applicable. But, many will also have a NZ GST added on top because you are paying in NZ dollars. Many major retailers such as Amazon may do this.

      Use a local debit card. Open a local bank account and use your debit card. Forget about trying to collect air points.

    4. Paypal : If you use Paypal (or similar) for online orders, not only will you be paying the currency conversion charges but you will also be paying NZ GST on top!!!

      Close your current Paypal account. Create a new account. Enter an Australian address. Only load it with Australian cards.

  17. Assets and Capital Gains Tax

    Once you are deemed an Australian Tax resident, any sale of property or assets in NZ will attract a Capital Gains Tax. You can be deemed an Australian Tax resident

    1. As soon as you sell your house and start living in Australia.

    2. As soon as you rent a house in Australia.

    This is not spelled out, but I paid for a legal opinion on this.

    Sell all your assets before you move to Australia

  18. Buying Property in Australia

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  19. Setting up a New Company

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  20. The Moving Process

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  21. What not to Take

    It is very tempting to take almost everything you own. But there are items you should NOT take.

    1. New Items : Do not buy anything new. Anything that was bought within the last year attracts duty. Consider selling these and buying new replacements in Australia.
    2. Cars : Second hand EVs and hybrids are not allowed. You can take cars that you have owned for at least 12 months. Shipping is not cheap, custom clearance is not cheap and there is an indeterminate amount of duty to pay.
    3. Bicycles, scooters, prams : You will probably need them right away and it makes no sense to pay shipping for them.
    4. Alcohol : This attracts a 40% duty. The temptation is there to take some with you on every trip. But there are more valuable items to take - see section above.
    5. Printers : You need a printer as soon as you get there. If have only one, sell it.
    6. Food (even pickled or preserved items) : It is not worth taking any food. Any food items in your ship will delay customs clearance. And you really want your items as soon as possible.
    7. Desktop computer : It is bulky so it is difficult to take it with you. And you will need it before the ship arrives. Consider taking just the hard drives. If that's not feasible then take the motherboard, power supply, ram and all cables.
    8. Office Desk and Chair : You will need one on your arrival.
    9. Outdoor Furniture : First its cheaper and less financially viable to ship. Secondly, you should buy a set there right away - see below.
    10. Fridge : It is bulky and you need one right away. Don't take it, unless you have more than one or it is expensive.
    11. Washing Machine and Dryer : They are bulky so it is debatable if its worthwhile to take. And you need them right away.
  22. What to Buy right away

    Items that you should order in your earlier trips. If possible, get them delivered to your friends place or the new rental (which you should get as soon as possible). Trust me, you really need these items right away.

    1. Car : Pre-order at least one car (new or second hand). New cars can take weeks to arrive, so do not delay. See the section on Cars.
    2. Desktop Computer : If you need one, then pre-order the computer or case as the case maybe. Get it delivered on the day of your move..
    3. Printer : You need a printer as soon as you get there. Printing places are very expensive.
    4. A double, queen or king bed : You can use air-mattresses if you want. Otherwise order one (or more) for delivery on your arrival.
    5. An office desk and chair : You will need one for your computer. Order one (or more) for delivery on your arrival.
    6. Outdoor Furniture Set : If you are taking over your lounge and dinner suites then buy a set of outdoor furniture suite. Use this as your lounge and dinner suites. When the real stuff gets there, use it outside.
    7. Cutlery, mugs, dinner plates and bowls : You need something to eat on/with.
    8. Food preparation gadgets : You can't eat out all the time.
    9. Electric jug, toaster, coffee machine : They are necessary.
    10. Fridge : You need one right away. Don't buy one from facebook etc. Either rent it for a year or better still, buy a second with manufacturer's warranty. One thing to note is to open the door and check. Do NOT buy a class C. These have been returned by clients, the company has turned them on, they go, so they sell them. But they are likely to be faulty with a problem that takes days to weeks to manifest. Get it delivered to suit.
    11. Washing Machine and Dryer : It gets tiresome to visit the laundromat every week. So buy a set and get them delivered to suit.
  23. What to Ship Over

  24. They love Acronyms

    1. ABN : Australian Business Number.
    2. ACN : Australian Company Number.
    3. CRN : Customer Relations Number.
    4. TFN : Tax File Number.
    5. TMR : Department of Transport and Main Roads.

References to come

  1. Around a Lifestyle Block
  2. Listing your Business at akl.city
  3. Hosted by Pacific Blue Software

Moving to Australia from New Zealand