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In Vic you get ripped on the stamp duty! But you're right PM fees here are high compared to everywhere else.

Which bank is your pre-approval through? Also, how much deposit do you have? That will determine how much you can spend on your purchases to a greater extent than what the bank says you can theoretically borrow.

Are you looking to buy and hold, or do some kind of reno or development? If it's straight buy and hold, what's your price range and how much can you afford to pay to hold it/them? Once you have a good idea about what you're looking for, you can begin to see where the best bang for...