Both retirement visas are closed, and they stayed open only for the people already holding one
Answer
The general rule applies to you
No exception is recorded for citizens of New Zealand on this topic. That is the answer, not a gap - everything below is the rule you get, unchanged.
195 exceptions recorded across 74 countries · none match New Zealand to Australia · Residency as a retiree
Australia had two retirement routes and shut both. The Investor Retirement visa, Subclass 405, required sponsorship by an appropriate regional authority and an applicant aged at least 55; since 1 June 2018 an application may be made only by someone who already holds that visa or whose last substantive visa was one. The Retirement visa, Subclass 410, closed the same way on 17 November 2018. Neither class was repealed - the items remain in Schedule 1 with their charges, because people are still on them and still renewing - and that is precisely how a closed route can look open to a reader who sees the item and not the restriction at the end of it.
At a glance
- Age requirement that applied to the Investor Retirement visa
- At least 55 years old, unless the applicant already held an Investor Retirement (Class UY) visa
Subitem 1212B(3)(d)(iii) of Schedule 1 to the Migration Regulations 1994. The requirement survives in the text because the class still accepts applications from existing holders.
- Second instalment of the visa application charge for the Investor Retirement class
- $12,990
Subitem 1212B(2)(b) of Schedule 1 to the Migration Regulations 1994, payable before grant.
- Routes open to a new retiree
- None: both retirement classes in Schedule 1 to the Migration Regulations 1994 restrict applications to existing or recent holders, and no other class in that Schedule is granted on retirement
A retired person can still qualify through a family route, such as the parent visas, which have their own criteria and were not read for this record.
Requirements
- For Subclass 405, an existing Investor Retirement (Class UY) visa, or one as the last substantive visa held since last entering Australia
- For Subclass 410, an existing Subclass 410 visa, or one as the last substantive visa held since last entering Australia
- For a new applicant, neither route is available on any terms
What applies to you
Nothing changes for a citizen of New Zealand
We have no rule recorded that treats your citizenship differently here, so the general rule above is the one that applies to you. That is an answer, not a gap.
What the law says
«(d)Applicant seeking to satisfy the primary criteria for the grant of a Subclass 405 visa must: (i)be sponsored by an appropriate regional authority; and (ii)provide, with the application, form 1249 signed by an officer of the authority who is authorised to sign a sponsorship of that kind; and (iii)be at least 55 years old, unless:»About this source
The Commonwealth of Australia's statute book, run by the Office of Parliamentary Counsel under the Legislation Act 2003. It carries every Act, legislative instrument and notifiable instrument of the Commonwealth, each as made and as compiled, and it is the only publisher in this corpus whose own enabling Act gives its text a standing in court: section 15ZB of the Legislation Act 2003 says proof is not required in a court or tribunal of the text of a registered law, and section 15ZA presumes an authorised version of a registered compilation correctly shows the law as in force on the compilation date. Addressing is by register identifier rather than by name - C1958A00062 is the Migration Act 1958, F1996B03551 the Migration Regulations 1994 - and /latest/text serves the current compilation. Every compilation page prints its compilation number, its compilation date and the last amending Act or instrument taken into account.
Standing: Maintains the text in force
Cannot be cited for: Three things, each of which has already bitten. First, an unknown identifier does not 404: the site serves its own home page, so a wrong guess looks like a short page of search boxes rather than an error, and an absence inferred from one would be invented. Second, a long instrument is served in volumes and /latest/text gives volume 1 only - the Migration Regulations 1994 run to four volumes and Schedule 2, where every visa subclass actually lives, is in volumes 2 and 3 at a separate address. Third, and most important, nothing in the HTML served at /latest/text claims to be an authorised version. Section 15ZA makes an electronic copy one only if it is downloaded from an approved website in a format prescribed by the rules and either the site or the copy says so in the way the rules prescribe; the Act's own example of such a format is a locked pdf file. The words authorised version do not occur anywhere in any of the readings stored from this publisher except in the Legislation Act 2003 itself, so what we quote is the register's text without the status the register is able to give it. The presumption in section 15ZA(5)(h) is also expressly subject to section 15Q(4), under which a compilation need not take account of a retrospective commencement, so a compilation can be accurate on its face and behind the law. It is not a source for the Immigration Rules equivalent - departmental policy and procedural advice are published by Home Affairs, not here - nor for any state or territory law, which has its own register, nor for the text of a treaty, which is published in the Australian Treaty Series.
We re-read it every 90 days. More about this source
«(b)the second instalment (payable before grant of visa) is $12990.»About this source
The Commonwealth of Australia's statute book, run by the Office of Parliamentary Counsel under the Legislation Act 2003. It carries every Act, legislative instrument and notifiable instrument of the Commonwealth, each as made and as compiled, and it is the only publisher in this corpus whose own enabling Act gives its text a standing in court: section 15ZB of the Legislation Act 2003 says proof is not required in a court or tribunal of the text of a registered law, and section 15ZA presumes an authorised version of a registered compilation correctly shows the law as in force on the compilation date. Addressing is by register identifier rather than by name - C1958A00062 is the Migration Act 1958, F1996B03551 the Migration Regulations 1994 - and /latest/text serves the current compilation. Every compilation page prints its compilation number, its compilation date and the last amending Act or instrument taken into account.
Standing: Maintains the text in force
Cannot be cited for: Three things, each of which has already bitten. First, an unknown identifier does not 404: the site serves its own home page, so a wrong guess looks like a short page of search boxes rather than an error, and an absence inferred from one would be invented. Second, a long instrument is served in volumes and /latest/text gives volume 1 only - the Migration Regulations 1994 run to four volumes and Schedule 2, where every visa subclass actually lives, is in volumes 2 and 3 at a separate address. Third, and most important, nothing in the HTML served at /latest/text claims to be an authorised version. Section 15ZA makes an electronic copy one only if it is downloaded from an approved website in a format prescribed by the rules and either the site or the copy says so in the way the rules prescribe; the Act's own example of such a format is a locked pdf file. The words authorised version do not occur anywhere in any of the readings stored from this publisher except in the Legislation Act 2003 itself, so what we quote is the register's text without the status the register is able to give it. The presumption in section 15ZA(5)(h) is also expressly subject to section 15Q(4), under which a compilation need not take account of a retrospective commencement, so a compilation can be accurate on its face and behind the law. It is not a source for the Immigration Rules equivalent - departmental policy and procedural advice are published by Home Affairs, not here - nor for any state or territory law, which has its own register, nor for the text of a treaty, which is published in the Australian Treaty Series.
We re-read it every 90 days. More about this source
«(d)Application may be made on or after 17November 2018 by a person only if: (i)the person is the holder of a Subclass 410 visa; or (ii)the last substantive visa held by the person since last entering Australia was a Subclass 410 visa.»About this source
The Commonwealth of Australia's statute book, run by the Office of Parliamentary Counsel under the Legislation Act 2003. It carries every Act, legislative instrument and notifiable instrument of the Commonwealth, each as made and as compiled, and it is the only publisher in this corpus whose own enabling Act gives its text a standing in court: section 15ZB of the Legislation Act 2003 says proof is not required in a court or tribunal of the text of a registered law, and section 15ZA presumes an authorised version of a registered compilation correctly shows the law as in force on the compilation date. Addressing is by register identifier rather than by name - C1958A00062 is the Migration Act 1958, F1996B03551 the Migration Regulations 1994 - and /latest/text serves the current compilation. Every compilation page prints its compilation number, its compilation date and the last amending Act or instrument taken into account.
Standing: Maintains the text in force
Cannot be cited for: Three things, each of which has already bitten. First, an unknown identifier does not 404: the site serves its own home page, so a wrong guess looks like a short page of search boxes rather than an error, and an absence inferred from one would be invented. Second, a long instrument is served in volumes and /latest/text gives volume 1 only - the Migration Regulations 1994 run to four volumes and Schedule 2, where every visa subclass actually lives, is in volumes 2 and 3 at a separate address. Third, and most important, nothing in the HTML served at /latest/text claims to be an authorised version. Section 15ZA makes an electronic copy one only if it is downloaded from an approved website in a format prescribed by the rules and either the site or the copy says so in the way the rules prescribe; the Act's own example of such a format is a locked pdf file. The words authorised version do not occur anywhere in any of the readings stored from this publisher except in the Legislation Act 2003 itself, so what we quote is the register's text without the status the register is able to give it. The presumption in section 15ZA(5)(h) is also expressly subject to section 15Q(4), under which a compilation need not take account of a retrospective commencement, so a compilation can be accurate on its face and behind the law. It is not a source for the Immigration Rules equivalent - departmental policy and procedural advice are published by Home Affairs, not here - nor for any state or territory law, which has its own register, nor for the text of a treaty, which is published in the Australian Treaty Series.
We re-read it every 90 days. More about this source
«410 visa holders from countries which Australia has Reciprocal Health Care Agreements (RHCAs) were originally entitled to health care access by virtue of these agreements.However, from 1 December 1998, all 410-visa holders were excluded from eligibility for RHCA Medicare.»A reminder that a retirement visa was never a route to the health system: holders were excluded from reciprocal Medicare in 1998, and a class order was needed to restore it for those who had applied before December that year.
Read it at the sourceAbout this source
The Commonwealth of Australia's statute book, run by the Office of Parliamentary Counsel under the Legislation Act 2003. It carries every Act, legislative instrument and notifiable instrument of the Commonwealth, each as made and as compiled, and it is the only publisher in this corpus whose own enabling Act gives its text a standing in court: section 15ZB of the Legislation Act 2003 says proof is not required in a court or tribunal of the text of a registered law, and section 15ZA presumes an authorised version of a registered compilation correctly shows the law as in force on the compilation date. Addressing is by register identifier rather than by name - C1958A00062 is the Migration Act 1958, F1996B03551 the Migration Regulations 1994 - and /latest/text serves the current compilation. Every compilation page prints its compilation number, its compilation date and the last amending Act or instrument taken into account.
Standing: Maintains the text in force
Cannot be cited for: Three things, each of which has already bitten. First, an unknown identifier does not 404: the site serves its own home page, so a wrong guess looks like a short page of search boxes rather than an error, and an absence inferred from one would be invented. Second, a long instrument is served in volumes and /latest/text gives volume 1 only - the Migration Regulations 1994 run to four volumes and Schedule 2, where every visa subclass actually lives, is in volumes 2 and 3 at a separate address. Third, and most important, nothing in the HTML served at /latest/text claims to be an authorised version. Section 15ZA makes an electronic copy one only if it is downloaded from an approved website in a format prescribed by the rules and either the site or the copy says so in the way the rules prescribe; the Act's own example of such a format is a locked pdf file. The words authorised version do not occur anywhere in any of the readings stored from this publisher except in the Legislation Act 2003 itself, so what we quote is the register's text without the status the register is able to give it. The presumption in section 15ZA(5)(h) is also expressly subject to section 15Q(4), under which a compilation need not take account of a retrospective commencement, so a compilation can be accurate on its face and behind the law. It is not a source for the Immigration Rules equivalent - departmental policy and procedural advice are published by Home Affairs, not here - nor for any state or territory law, which has its own register, nor for the text of a treaty, which is published in the Australian Treaty Series.
We re-read it every 90 days. More about this source
Practical notes
Both classes remain in Schedule 1 with their forms and charges, which is what a closed route looks like in this statute book: the restriction is a lettered paragraph near the end of the item, not a repeal.
Nothing here covers the parent visa classes, which are the usual family route for an older person and have their own queues, charges and balance-of-family tests. They were not read.
- consolidatesMigration Regulations 1994, compilation 288, volume 1 (Parts 1 to 5 and Schedule 1)
Office of Parliamentary Counsel, Federal Register of Legislation · consolidated to 2026-07-01
About this source
The Commonwealth of Australia's statute book, run by the Office of Parliamentary Counsel under the Legislation Act 2003. It carries every Act, legislative instrument and notifiable instrument of the Commonwealth, each as made and as compiled, and it is the only publisher in this corpus whose own enabling Act gives its text a standing in court: section 15ZB of the Legislation Act 2003 says proof is not required in a court or tribunal of the text of a registered law, and section 15ZA presumes an authorised version of a registered compilation correctly shows the law as in force on the compilation date. Addressing is by register identifier rather than by name - C1958A00062 is the Migration Act 1958, F1996B03551 the Migration Regulations 1994 - and /latest/text serves the current compilation. Every compilation page prints its compilation number, its compilation date and the last amending Act or instrument taken into account.
Standing: Maintains the text in force
Cannot be cited for: Three things, each of which has already bitten. First, an unknown identifier does not 404: the site serves its own home page, so a wrong guess looks like a short page of search boxes rather than an error, and an absence inferred from one would be invented. Second, a long instrument is served in volumes and /latest/text gives volume 1 only - the Migration Regulations 1994 run to four volumes and Schedule 2, where every visa subclass actually lives, is in volumes 2 and 3 at a separate address. Third, and most important, nothing in the HTML served at /latest/text claims to be an authorised version. Section 15ZA makes an electronic copy one only if it is downloaded from an approved website in a format prescribed by the rules and either the site or the copy says so in the way the rules prescribe; the Act's own example of such a format is a locked pdf file. The words authorised version do not occur anywhere in any of the readings stored from this publisher except in the Legislation Act 2003 itself, so what we quote is the register's text without the status the register is able to give it. The presumption in section 15ZA(5)(h) is also expressly subject to section 15Q(4), under which a compilation need not take account of a retrospective commencement, so a compilation can be accurate on its face and behind the law. It is not a source for the Immigration Rules equivalent - departmental policy and procedural advice are published by Home Affairs, not here - nor for any state or territory law, which has its own register, nor for the text of a treaty, which is published in the Australian Treaty Series.
We re-read it every 90 days. More about this source
- consolidatesHealth Insurance (Eligible persons Reciprocal Health Care Agreements and holders of subclass 410 visa) Order 2017
Office of Parliamentary Counsel, Federal Register of Legislation
About this source
The Commonwealth of Australia's statute book, run by the Office of Parliamentary Counsel under the Legislation Act 2003. It carries every Act, legislative instrument and notifiable instrument of the Commonwealth, each as made and as compiled, and it is the only publisher in this corpus whose own enabling Act gives its text a standing in court: section 15ZB of the Legislation Act 2003 says proof is not required in a court or tribunal of the text of a registered law, and section 15ZA presumes an authorised version of a registered compilation correctly shows the law as in force on the compilation date. Addressing is by register identifier rather than by name - C1958A00062 is the Migration Act 1958, F1996B03551 the Migration Regulations 1994 - and /latest/text serves the current compilation. Every compilation page prints its compilation number, its compilation date and the last amending Act or instrument taken into account.
Standing: Maintains the text in force
Cannot be cited for: Three things, each of which has already bitten. First, an unknown identifier does not 404: the site serves its own home page, so a wrong guess looks like a short page of search boxes rather than an error, and an absence inferred from one would be invented. Second, a long instrument is served in volumes and /latest/text gives volume 1 only - the Migration Regulations 1994 run to four volumes and Schedule 2, where every visa subclass actually lives, is in volumes 2 and 3 at a separate address. Third, and most important, nothing in the HTML served at /latest/text claims to be an authorised version. Section 15ZA makes an electronic copy one only if it is downloaded from an approved website in a format prescribed by the rules and either the site or the copy says so in the way the rules prescribe; the Act's own example of such a format is a locked pdf file. The words authorised version do not occur anywhere in any of the readings stored from this publisher except in the Legislation Act 2003 itself, so what we quote is the register's text without the status the register is able to give it. The presumption in section 15ZA(5)(h) is also expressly subject to section 15Q(4), under which a compilation need not take account of a retrospective commencement, so a compilation can be accurate on its face and behind the law. It is not a source for the Immigration Rules equivalent - departmental policy and procedural advice are published by Home Affairs, not here - nor for any state or territory law, which has its own register, nor for the text of a treaty, which is published in the Australian Treaty Series.
We re-read it every 90 days. More about this source