Non o visa is the way to go you both need 800k in your own bank account you cannot spend the money. You can get a residency certificate but will need a long term rental agreement
I was told on here you need insurance I tried everything to get it not required please don't be fooled by walkers that make comments on this topic. There are a lot of helpful people who can help you but be careful. I am aussie I will help you through anything.