Central Coast Mortgage Broker | Better Loan Rates

Home Find a local expert Anthony Gerungan

Your Local Central Coast Mortgage Broker and Home Loan Specialist

Call: 02 4331 8444

Looking for the best Central Coast home loan, investment loan, or refinancing?

Talk to your local Central Coast Mortgage Broker in Tuggerah. Let us help you find the right loan - FREE OF CHARGE.

Call Us Mortgage Choice Tuggerah
Office - 02 4331 8444
Fax - 02 4331 8445

Open Hours Mortgage Choice Tuggerah
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
Free Appointment

Address

Suite 504/1 Bryant Dr, TUGGERAH, NSW 2259

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Choose an Expert Central Coast Mortgage Broker

At Mortgage Choice in Central Coast - Anthony Gerungan our motto is simple "Clients Come First".

We are excited to help you achieve your Central Coast home loan, investment loan or mortgage refinancing goals in this rapidly growing area. We focus on providing exceptional customer service, mortgage advice and offer a wide range of mortgage services that are FREE to you.

As your local and experienced Central Coast mortgage broker in Tuggerah, we provide mortgage finance to the entire Central Coast, including Tuggerah, Gosford, Wyong, Gorokan, Terrigal, Wamberal, Avoca Beach, Foresters Beach, Erina, Umina Beach, plus more. If you want to visit us, click here to get directions to Mortgage Choice in Central Coast - Anthony Gerungan.

Our Mortgage Broker Services

First Home Buyer Loans
Residential Home Loans
Refinancing Loans
Property Investment Loans
Debt Consolidation
Car Loans
Personal Loans
FREE Property Reports
Equipment Finance & Asset Finance

Call us today on (02) 4331 8444

Why Use Mortgage Choice Central Coast?

OUR SERVICES ARE FREE – NO COST TO YOU: All our services are free of charge, the lenders pay us, not you.

CHOICE OF 20+ LENDERS: We provide you access to hundreds of home loans from a wide range of lenders.

CONVENIENCE AND FLEXIBILITY: We are happy and willing to meet at any time and place that best suits you.

WE MANAGE ALL THE LEGWORK: The loan process is stressful and tedious, that's why we handle it all for you.

ONGOING SUPPORT: We continue to help by giving extra advice and ongoing support through the life of your loan.

RIGHT LOAN FOR YOU: We are paid the same commission regardless of your chosen lender, so finding you the most suitable loan and saving you money is our goal.

Looking for help with your Central Coast home loan?

Call your Local Mortgage Broker Tuggerah for a Free Consultation on (02) 4331 8444

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Google Reviews

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Anthony made the journey of buying our first home incredibly easy. He turned what felt like an impossible situation into something that was easily attainable and helped us purchase the house of our dreams. Anthony is very personable and willing to go above and beyond. Due to our busy shift work schedules, Anthony has been very flexible with communication. He was always willing to communicate via phone calls, text messages and emails outside of business hours.

I would describe Anthony as down to earth, understanding, caring and very helpful. As we were first home buyers, we really had no clue about the application and buying process. Anthony made the process simple and easy for us to understand. If it wasn’t for Anthony we would still be renting and paying someone else’s mortgage instead of our own. We cannot thank you enough and we look forward to continuing to work with you in the future.
Jordan A, Central Coast, NSW
- First Home Buyer

What an absolute pleasure dealing with Anthony, re-mortgaged my home loan 2 months ago and he made the process simple and easy. He got me approved through Heritage but half way through finalization found an even cheaper deal through another funder.

I have referred everyone I know to Anthony, dont cost yourself money by being complacent, Anthony will save you thousands like me. Cant thank you enough for your honesty and efficiency, look forward to you assistance again for my next property.
Jason & Katrina, Bungarribee, NSW
- Refinancer

Anthony has been amazing not only in the handling of my loan application but in educating me along the way.

He was honest and upfront from the word go and made sure I was aware of all scenarios and possibilities.
He provided sound advice to me when placing my offer which resulted in me getting what I consider to be an amazing deal!

I work in finance and have for the last 10 years and genuinely appreciate the attention to detail Anthony has shown through the entire process.

He's also been available day and night for all of my nagging questions and requests haha
Dallas L, Wyongah, NSW
- First Home Buyer

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

Download now

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Extra Information

Home Buyer Concession Scheme

From 1 July 2019, the FHOG ACT has been replaced with exemptions on stamp duty. The stamp duty exemption is applicable to all properties in ACT, including vacant residential land and both new and established homes at any price. As this is still to aid first home buyers, to be eligible at least one buyer must live in the home for at least 12 months, starting within 12 months of settlement or completion of construction.

To be eligible, first homeowners in the ACT must have a household income below $160,000. This number increases up to $176,000 depending on the number of children you may have.

Click here for more information on the ACT First home Owner Grant.

Stamp duty concessions in NSW

From 1 August 2020, the NSW government has announced that stamp duty will not be applicable to first home buyers for properties valued up to $800,000 and vacant land valued up to $400,000. This stamp duty exemption will be in place for 12 months to 31 July 2021, in which the stamp duty exemptions will revert back to $650,000 for homes and $350,000 for land.

Additionally, a concessional rate of duty will apply to homes valued more than $800,000 but less than $1,000,000 and vacant blocks of land valued more than $400,000 and less than $500,000

How much is the First Home Owners Grant NSW?

The FHOG in NSW is worth $10,000 however conditions apply. To be eligible, your first home must have a total value below $600,000, and be either newly constructed or ‘substantially renovated’. A home is substantially renovated when most or all of the original house was removed or replaced, and it’s the first time the place has been sold, and lived in, after the renovations were completed.

If you plan to build a new home from scratch, you can still be eligible for the FHOG in NSW as long as your land plus the home you build have a combined value of less than $750,000.

Click here for more information on the NSW First Home Owner Grant.

How much is the First Home Owners Grant in the NT?

The First Home Owner Grant in NT is$10,000. Your income and the price of your home don’t affect the FHOG NT, and the grant is available if you buy or build a new house, apartment, duplex or townhouse.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is valued under $650,000.

Click here for more information on the NT First home Owner Grant.

How much is the First Home Owners Grant QLD?

As a first home buyer in Queensland you could be entitled to the $15,000 First Home Owner Grant. To be eligible, you need to buy a brand new home or build a home from scratch with the total value (including the land) below $750,000. You may also be eligible if you buy off the plan or an established home that’s been substantially renovated.

As a guide, substantial renovations include replacing or altering foundations or replacing or altering floors. Cosmetic work such as painting the walls or sanding floors doesn’t add up to a substantial renovation when it comes to the FHOG in QLD.

Stamp duty concessions

If you’re buying vacant land to build your first home, you pay zero stamp duty as long as you pay $400,000 or less for your block. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $8,750, which is the maximum stamp duty rebate available to first home buyers in Qld.

Additionally, savings on stamp duty may still be available if you pay between $500,000 and $550,000 for your first home. As a guide, if your first home is worth $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

Click here for more information on the QLD First home Owner Grant.

How much is the First Home Owners Grant SA?

There are currently no specific stamp duty concessions available for first home buyers in SA.

The $15,000 FHOG in South Australia is only available to first home owners who buy or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

You can also claim the First Home Owner Grant in South Australia when you buy a block of vacant land to build your first home on. However, the end value of your building plus land must be no more than $575,000.

Click here for more information on the SA First home Owner Grant.

Stamp duty concessions in TAS

If you buy an established home, you are not eligible for the FHOG in Tasmania but you may be able to claim savings on stamp duty. If you’re home is valued at

$400,000 or less, you will receive a 50% discount on the property transfer duty (stamp duty).

How much is the First Home Owners Grant TAS?

The FHOG Tasmania is worth $20,000 until 30 June 2022 but only when you buy or build a new home. Off the plan purchases are also eligible. In Tasmania, there is no limit on the purchase price of the property, and the FHOG is not means tested.

Click here for more information on the TAS First home Owner Grant.

Stamp duty concessions in VIC

First home owners in Victoria don’t pay stamp duty at all on their first home as long as the property is valued below $600,000. You may still be eligible for savings on stamp duty if you pay between $600,000 and $750,000 for your first home. The stamp duty concessions available in Victoria apply to both established and new homes.

How much is the First Home Owners Grant VIC?

The FHOG Victoria is only available if you buy a newly built home or if you choose to build a home from scratch. The FHOG is worth $10,000 if you build/buy in Victoria.

Your first home can be a house, townhouse, apartment, or unit but it must be valued at $750,000 or less, and it must be a new home – being sold as a home for the first time, and less than five years old.

Click here for more information on the VIC First home Owner Grant.

Stamp duty concessions in WA

If you buy vacant land to build your first home, you’re exempt from paying stamp duty as long as you don’t pay more than $300,000. If you pay between $300,000 and $400,000 you will be entitled to a reduced rate of duty.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 and land valued above $400,000.

How much is the First Home Owners Grant WA?

The FHOG WA is worth $10,000 when you buy or build a brand new home. There are limits on what you can pay for your first home to be eligible for the FHOG in Western Australia.

If you’re located south of the 26th parallel, which basically covers all the Perth metropolitan area, you can claim the FHOG WA if your new home is worth up to $750,000 – this includes the value of the land plus buildings.

If you buy or build a home north of the 26th parallel, the property must be valued up to or below $1 million to be eligible for the FHOG WA.

The First Home Owner Grant in Western Australia is no longer available if you buy an established home however you may be able to claim stamp duty savings.

Click here for more information on the WA First home Owner Grant.

State / Territorial Revenue Web Sites

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Your Local Central Coast Mortgage Broker and Home Loan Specialist

Tuggerah

Latest home loan interest rates

Choose an Expert Central Coast Mortgage Broker

Our Mortgage Broker Services

Call us today on (02) 4331 8444

Why Use Mortgage Choice Central Coast?

Looking for help with your Central Coast home loan?

Call your Local Mortgage Broker Tuggerah for a Free Consultation on (02) 4331 8444

The right home loan for your needs

Google Reviews

Rhys Cooper

ticthach

Kathy Nott

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Robert and Denise McKeown

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Step-by-step guide to home ownership

Help me calculate

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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