新移民落地澳洲，这10个服务商你一定需要
恭喜你来到澳洲！无论你是拿到PR、工作签证还是学生签证，落地后有些事情需要尽快搞定。这份指南按优先级排列，帮你一步步搞定。
1. 会计师 / 税务代理 (Tax Agent)
为什么需要： 澳洲税制复杂，尤其是第一年有海外收入的情况
费用： $99 - $500
什么时候找： 到达后就可以先了解，报税季（7-10月）前确定
2. 银行
优先开户银行： Commonwealth Bank、Westpac、ANZ、NAB（四大行）
为什么： 你需要澳洲银行账户来收工资、付租金
Tips： 到达前6周就可以在线预开户
3. 移民中介 (Migration Agent)
如果你需要： 签证续签、PR申请、公民入籍
费用： $500 - $5,000（看签证类型）
选择要点： 必须是 MARA 注册代理
4. GP（全科医生）
为什么需要： Medicare注册后看GP基本免费
怎么找： 选离家近的、能说中文的更好
费用： Bulk Billing免费，或gap $30-80
5. 贷款经纪 (Mortgage Broker)
如果你打算买房： 越早找越好，了解你的借贷能力
费用： 免费
重要： 拿到PR后就可以申请贷款
6. 律师 / 过户师 (Conveyancer)
买房时必需： 处理合同审查、过户手续
费用： $800 - $2,500
建议： 签合同前先让律师/过户师审查
7. 保险经纪
需要的保险：
- 汽车保险（必须）
- 房屋保险（如果买房）
- 收入保护保险（可选但推荐）
- 私人医疗保险（如果不想等公立医院）
8. 驾校教练
如果你需要澳洲驾照： 海外驾照可能需要转换考试
费用： $50 - $80/小时
注意： 各州规则不同，NSW和VIC最严
9. 教育/补习 (Education & Tutoring)
如果有小孩： 英文补习、数学补习、课后辅导
费用： $30 - $120/小时
平台选择： 个人教师 vs 补习机构
10. 工匠 (Tradies)
租房or买房后： 总会需要修修补补
常用工种： 清洁、水管、电工、园艺
费用： $30 - $200/小时不等
新移民省钱秘诀
- 报税一定要找会计师 — 第一年的海外收入处理很关键，做对了能少交很多税
- 所有服务都货比三家 — 不要第一个就签约
- 利用CutMyRate — 免费比较16,000+服务商
- 加入华人社群 — 微信群、小红书上的推荐比广告靠谱
- 保留所有收据 — 搬家、工作相关的支出可能能退税
在CutMyRate上一站式比较所有你需要的服务商，免费获取报价。
English Version
New to Australia? Here Are the 10 Services You'll Need
Welcome to Australia! Whether you've just received your PR, work visa, or student visa, there are essential services you'll need to set up. Here's your priority checklist.
1. Tax Agent / Accountant
Why: Australian tax is complex, especially with overseas income in your first year
Cost: $99 - $500
When: Research early, finalise before tax season (July-October)
2. Bank Account
Big Four: Commonwealth Bank, Westpac, ANZ, NAB
Why: You need an Australian account for salary and rent
Tip: You can pre-open an account online up to 6 weeks before arrival
3. Migration Agent
If you need: Visa renewals, PR applications, citizenship
Cost: $500 - $5,000 (depends on visa type)
Key: Must be MARA registered
4. GP (General Practitioner)
Why: Free or low-cost healthcare with Medicare
How to choose: Close to home, speaks your language
Cost: Bulk billing (free) or $30-80 gap
5. Mortgage Broker
If buying property: Start early to understand your borrowing capacity
Cost: Free
Note: You can apply for a home loan once you have PR
6. Conveyancer / Solicitor
Essential for buying property
Cost: $800 - $2,500
Tip: Always get contracts reviewed before signing
7. Insurance Broker
Essential insurance:
- Car insurance (mandatory)
- Home insurance (if buying)
- Income protection (recommended)
- Private health (if you don't want public hospital waits)
8. Driving School
If you need an Australian licence
Cost: $50 - $80/hour
Note: Rules vary by state
9. Education & Tutoring
If you have children: English tutoring, maths, after-school programs
Cost: $30 - $120/hour
10. Tradies
After moving in: You'll always need repairs
Common trades: Cleaning, plumbing, electrical, gardening
Cost: $30 - $200/hour
Money-Saving Tips for New Migrants
- Always use an accountant for your first tax return — overseas income is tricky
- Compare at least 3 providers for every service
- Use CutMyRate — free comparison of 16,000+ providers
- Join community groups — real recommendations beat advertising
Compare all the services you need on CutMyRate. Free quotes, 16,000+ providers.