Ph.D. in Australia

No, of course, you have to pay for doctoral studies unless you get a scholarship. But generally, doctors have scholarships, which depends on how much they have.

You can't immigrate to finance majors, and you can't do skilled immigration. Besides, you are not qualified for most policies of the Australian government, such as applying for exemption from work experience within six months after graduation, applying for domestic applications in 885/886, etc., because these things require studying in Australia for at least two years.