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

Latest home loan interest rates

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Choose an Expert Mortgage Broker Central Coast

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

With over 5 years of experience in mortgage broking in Central Coast, we thoroughly understand the market and have helped many clients achieve their property goals. We aim to find the best home loan that suits your unique needs. Working with Mortgage Choice in Central Coast is like having 30+ banks and lenders competing for your business. We will compare the many loan products available and find the right loan for you.

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.

Our Mortgage Broker Services

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

Frequently Asked Questions

1. How much does a mortgage broker typically charge? Our services are free - as the client, you do not pay us. We get paid by the lender.

2. Do mortgage brokers offer better rates than banks? With access to over 30 banks and lenders, we will find the best rates available and the right loan to meet your needs.

3. Do you provide mobile mortgage broking? We have an office in Tuggerah but are more than happy to come to you. We provide mobile mortgage broking to the entire Central Coast, NSW.

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 30+ 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.

Looking for the best Central Coast home loan?

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

Visit Us!

As your local and experienced Central Coast mortgage broker in Tuggerah, we provide mortgage finance to the entire Central Coast.

This includes Tuggerah, Gosford, Wyong, Gorokan, Terrigal, Wamberal, Avoca Beach, Foresters Beach, Erina, Umina Beach, Lake Haven, The Entrance, Toukley, Somersby, Mardi, Woongarah, Hamlyn Terrace, Rocky Point, Tacoma, South Tacoma, Doyalson, Wyee, Lake Munmorah, Wadalba, Shelley Beach plus more.

If you want to visit us, call us on (02) 4331 8444 to book an appointment or click here to get directions to Mortgage Choice in Central Coast - Anthony Gerungan.

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. ~

Client reviews

Anthony did a fantastic job to secure my home loan. He was extremely thorough to ensure the process from pre-approval to full approval went without any glitches.
Absolutely recommend Anthony.
victor
02 October 2023

My wife and I would like to say a huge thanks to Anthony from Mortgage Choice.
We had a friendly chat around our kitchen table one afternoon to discuss our various home and investment loans.
With his help we have been able to reduce our payments and number of banks we deal with.
One conversation around Superfunds has resulted in a major win for us and has most likely bought forward our retirement... read more
Peter
02 August 2023

I highly recommend Anthony and his team

Anthony was incredibly knowledgeable and was a fantastic help going through the whole process. He took the time to really walk us through the entire process, was very upfront about what waswasn't required in our application, and ensured we had the best chance of success moving forward - All whilst being flexible with our tight schedule.

Thank you for your time and assistance Anthony.
I'd highly recommend Anthony.
Cameron
09 May 2023

If I could have rated Anthony a 7 or 8 out of 5 I would have. He has been absolutely outstanding for us over the past couple of years - assisting us every step of the way with our mortgage, which has been a huge help as this process has been new to us. Anthony is patient, empathetic, professional and proactive - answering any question we have, always breaking down the information for us and making... read more
Jason
27 April 2023

I recently worked with Anthony Gerungan from Mortgage Choice, and I am extremely impressed with his services. From start to finish, Anthony demonstrated an amazing attitude and was always happy to help and answer any questions I had. He made the entire process of obtaining a mortgage simple and stress-free.

One of the best things about working with Anthony was that he took care of all the hard wo... read more

16 April 2023

Anthony Gerungan from Mortgage Choice was an absolute pleasure to work with. He is an expert in his field and his attention to detail is second to none. Anthony went above and beyond to ensure that my mortgage application was seamless and stress-free. He kept me updated every step of the way, and his communication was exceptional. I never had to chase him up for anything as he was always proactive... read more
Trina
16 April 2023

Thank you Anthony for all your honest and patient guidance during an anxious time for me with refinancing my mortgage. You were always available for a quick chat and I felt confident that you had my best interests in my mind all the way.
Cathie
15 April 2023

Anthony is knowledgable, reliable, and always go the extra mile to help his customers. I would not hesitate to recommend Anthony to anyone that need help on getting a new home loan or refinancing. Thanks Anthony
Charlie
14 April 2023

Fantastic to deal with, Anthony was very professional, responded instantly, and answered all my questions with our refinancing. Would highly recommend anyone looking to refinance or buying a new home, definetly contact Anthony.
Great guy, easy to deal with kept me up to date during the entire process, 5 Stars
Scott Sanderson
Sandos
15 January 2023

We are lucky to have had Anthony assist us in purchasing our first home.

Anthony has a wealth of knowledge and was able to answer all of our questions, big or small and even the annoying ones with a smile. As first home buyers it put our minds at ease knowing he was only a phone call or email away when we had a burning question or just needed some reassurance.

Anthony was patient, transparent an... read more
Matthew
26 October 2022

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying 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 $176,650 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.

As of 30 June 2021, there are currently no stamp duty concessions for first home buyers in NT.

Previously the Territory’s First Home Owner Discount was in place from 8 February 2019 to 30 June 2021. It let you save up to a maximum of $18,601 on the cost of stamp duty. The savings were available whether you purchased a new or established home as long as the home was 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 $30,000 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 $250,000 or less for your block. Concessions are available for vacant land valued above $250,000 and up to $400,000. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $7,175 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 $530,000, you pay stamp duty of $6,300 a saving of $3,500. These savings cut out altogether if your first home costs $550,000 or more.

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 a new home. You can choose from a house, apartment, townhouse or villa.

You will only be able to claim the FHOG SA if you pay below the following amounts for your home:

Before 14 June 2023: $575,000
After 15 June 2023: $650,000

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 $650,000.

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 $30,000 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.

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