PURCHASING & FIRST HOME BUYER LOANS KILMORE & REGIONAL VICTORIA
Buying a home? Let’s make
the next step clearer.
Whether it’s your first home, next home, investment property or a move to regional Victoria, Mortgage Muster helps you understand your borrowing power, deposit, pre-approval and lender options before you make an offer.
BUYING PROPERTY CAN FEEL LIKE A LOT TO WORK THROUGH - It is!
Deposits, pre-approval, repayments, grants, lender policy and contracts can all feel overwhelming, especially if you’re not sure what to do first. We help you understand the numbers, compare lending options and move forward with a clearer plan.
Buying your first home?
Buying your first place can bring up plenty of questions. We’ll help you understand deposits, grants, borrowing power, repayments and what to do before making an offer.
Buying your next home?
We can help compare loan options, review your current position and work through the timing between buying, selling and settlement.
Need pre-approval?
A pre-approval can help you understand your budget before you start offering. We’ll help prepare the application and explain what lenders are looking for.
Investment property plans?
Buying an investment property? We can help you look at borrowing capacity, loan structure, repayments, rental income and how the purchase fits your broader goals.
Not sure which option fits?
That’s exactly what the first chat is for.
Any information on this website is of a general nature only and does not take into account your objectives, financial situation or needs.
You should consider whether the information is appropriate to your circumstances before making any decisions. We recommend obtaining independent legal, financial, and tax advice where necessary.
The Mortgage Muster
Difference
FINANCE GUIDANCE THAT HELPS YOU BUY WITH MORE CONFIDENCE
We take the time to understand your income, deposit, goals, property plans and timing, then talk you through practical lending options in plain English.
✓ First home, next home and investment lending options
✓ Help with pre-approval, deposits and lender policy
✓ A broader view across home, asset and personal finance
Purchasing & First Home Buyer FAQ
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Your deposit depends on the property price, loan type, lender policy and whether you are eligible for any first home buyer support. Some buyers aim for a 20% deposit to avoid LMI, while others may be able to buy with a smaller deposit depending on their situation.
We can help you understand your deposit position, estimated costs and which lender options may fit before you start making offers.
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Pre-approval is when a lender gives an indication of how much they may be willing to lend, based on your income, expenses, credit history and deposit. It can help you understand your budget and shop with more confidence.
It is not a final approval, because the lender still needs to assess the property and confirm your details before settlement.
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Yes. First home buyers may be eligible for the First Home Owner Grant, stamp duty concessions, the First Home Guarantee scheme or other support, depending on the state, property type, price and eligibility rules.
For some rural buyers, there may also be other concessions to consider, such as Victoria’s young farmer duty exemption or concession for eligible young farmers buying their first farmland property.
We can help you understand what may apply, how it affects your deposit, and how it fits into your broader lending position.
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That depends on your finances, risk comfort, current loan, deposit, property market and timing. Some clients sell first for certainty, while others buy first and use bridging finance or another loan structure to help manage the changeover.
Mortgage Muster can help you compare the options, including whether bridging finance may be available, so you understand the trade-offs before you commit.
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Yes. Mortgage Muster is based in Kilmore and helps buyers across Central Victoria, regional Victoria, Melbourne and selected Australia-wide enquiries.
Regional properties can involve extra details like location, property type, land size and access, so it helps to review the lender fit early.
Find out more here.
