--- title: Mortgage Broker Craigieburn | Home Loans | GNT Finance description: Craigieburn mortgage broker 10 minutes away in Mickleham. First home buyer loans, refinancing, investment and new-build finance for Highlands and the south. url: https://gntfinance.com.au/mortgage-broker/craigieburn/ section: locations updated: 2026-09-01 author: Gorakh Timilsina, GNT Finance --- # Craigieburn Mortgage Broker & Home Loans **In short:** GNT Finance is a Craigieburn mortgage broker based ten minutes up the road in Mickleham. Craigieburn offers both established brick-veneer homes near the station and new builds in Highlands and Aston, so we arrange first home buyer loans with the First Home Guarantee, refinancing for owners who bought in the 2010s, and investment loans for locals adding a second property. Craigieburn is the biggest suburb in the City of Hume, with its own train terminus, a major shopping centre and a housing mix that gives buyers real choice. ## Buying in Craigieburn: what is different ### Two Craigieburns South of Craigieburn Road, around the station and Craigieburn Plaza, you find the original 1970s to 1990s brick-veneer homes on 550 to 700 square metre blocks. These attract first home buyers who want a backyard, and investors who see subdivision or dual-occupancy potential. North of Craigieburn Road, the Highlands estate and Aston and the newer releases towards Mount Ridley are almost entirely post-2005 homes, with townhouses around the Highlands town centre and Craigieburn Central. Prices are in the more affordable band for a suburb this close to the airport. ### Transport Craigieburn station is the terminus of the Craigieburn line, with trains to the CBD taking around 45 minutes. The Hume Freeway runs along the eastern edge, Melbourne Airport is about 15 minutes via Craigieburn Road and Mickleham Road, and the CBD is roughly 26 kilometres away. ### Schools, shops and lifestyle Craigieburn Central is the retail hub for the corridor, with Splash Aqua Park next door. Families choose between Craigieburn Secondary College, Mount Ridley College and Hume Anglican Grammar. The Craigieburn Nepali community is one of the largest in Australia, with grocers, restaurants and cultural events around Craigieburn Plaza and Highlands. ## Loans and grants that matter in Craigieburn Craigieburn is one of the few suburbs where every first home buyer scheme can apply, depending on what you buy: - Established home under $600,000: full stamp duty exemption, with the [First Home Guarantee](/guides/first-home-guarantee-5-percent-deposit/) letting you buy with 5% deposit and no LMI. - New build or house-and-land in Highlands or Aston: the $10,000 FHOG on top of the duty exemption or concession. Owners who bought between 2015 and 2021 are our biggest refinancing group: many are on a rate their lender no longer competes on, and their homes have grown in value, so a [refinance](/services/refinancing/) often releases equity for a renovation or an investment deposit while cutting the rate. ## Worked example: refinancing and buying an investment property A Craigieburn couple own a Highlands home with a $520,000 loan, currently paying 6.55% p.a. with their original lender. Their home is now valued at $820,000. | Step | Figures | |---|---| | Refinance $520,000 to a lender at 6.00% p.a. (for illustration) | Repayment falls from about $3,305 to about $3,118 per month over 30 years, saving roughly $187 a month | | Usable equity at 80% LVR | $820,000 x 80% = $656,000 less $520,000 = $136,000 | | Investment purchase in Craigieburn South | $560,000 established three-bedroom home | | Deposit and costs from equity | 20% deposit $112,000 plus duty of $28,670 and legals, drawn as a separate split | | Investment loan | $448,000 interest-only, for illustration at 6.00% p.a., about $2,240 per month | We structure the equity release as a separate loan split so the investment interest stays clearly deductible. See [how to use equity to buy an investment property](/guides/how-to-use-equity-to-buy-investment-property/) and run your figures on the [equity calculator](/calculators/equity/). ## How GNT Finance helps Craigieburn buyers Our office at 23 Astbury Crescent, Mickleham is about 7 kilometres from Craigieburn Central, a 10 minute drive up Mickleham Road or the Hume. Clients drop in on the way home, ask Gorakh Timilsina to meet them at their kitchen table in the evening, or work by phone and video around airport shifts. Gorakh spent years as a senior credit officer, so he knows how an assessor will read your payslips, overtime, family tax benefit and any Afterpay or car loan before the application goes in. We speak Nepali, Hindi and English. ## Nearby suburbs we also serve We work across the whole corridor: [Mickleham](/mortgage-broker/mickleham/) and [Kalkallo](/mortgage-broker/kalkallo/) to the north, [Roxburgh Park](/mortgage-broker/roxburgh-park/) and [Greenvale](/mortgage-broker/greenvale/) to the south, [Wollert](/mortgage-broker/wollert/) across the freeway and [Broadmeadows](/mortgage-broker/broadmeadows/) down the line. ## Frequently asked questions ### Should I buy an established home or a new build in Craigieburn? An established home south of Craigieburn Road gives you a bigger block and a shorter walk to the station. A new home in Highlands or Aston gives you the $10,000 grant, a builder's warranty and lower maintenance, but you carry construction timing risk. Our [house-and-land vs established guide](/guides/house-and-land-vs-established/) walks through the total costs of each. ### Can I get a home loan in Craigieburn on overtime and casual income? Yes, though lenders treat it differently. Most will accept regular overtime and casual income once you have been in the role for six to twelve months, often shading it to 80% for servicing. We match you with the lender whose policy suits your work history. ### How much deposit do I need for a $650,000 Craigieburn home? Under the First Home Guarantee, 5% ($32,500) plus conveyancing and minor costs, with no lenders mortgage insurance and reduced stamp duty. Outside the Guarantee, 10% with LMI or 20% ($130,000) to avoid it. Our [deposit guide](/guides/how-much-deposit-do-i-need/) explains genuine savings and how gifts from family are treated. ### Is Craigieburn good for investment property? Craigieburn has consistent rental demand from families, airport workers and new migrants, and a broad price range from apartments near Craigieburn Central to four-bedroom homes in Highlands. Investors need to weigh Victorian land tax against yield; we can model the cash flow with you before you bid. ## Talk to GNT Finance We are Craigieburn's neighbour and we know this market street by street. Call Gorakh on 0426 403 703, or [Book a free consultation](/contact/) at our Mickleham office, at your home or by video. There is no cost to you for our home-loan service in most cases.