Karmen Fairall
23 Mar 2022
Extremely happy with the ongoing support from the team at Mortgage Choice. Highly recommend for all your re-financing / loan needs.
Know the feeling of owning your own home on the Central Coast
At Mortgage Choice Erina, we’re excited about helping you achieve your home loan goals in the vibrant, rapidly growing Central Coast region.
With over 20 years of experience, the team at Mortgage Choice in Erina have helped hundreds of home loan customers – just like you, achieve their property goals with the loan that’s right for their needs. We look forward to helping you.
As one of the most experienced mortgage brokers on the Central Coast, our team provides proven expertise across a range of needs including:
Mortgage Choice Erina makes your next loan easy
Our goal is to give you a streamlined loan experience.
First, we spend time understanding your circumstances and goals. Then we sort through our extensive panel of lenders – including many of Australia’s largest banks plus specialist lenders, to find the loan(s) best suited to your needs. The final choice is always yours.
Once you have selected your preferred loan, we’ll take care of the paperwork and manage your application all the way to settlement. We can even arrange your First Home Owner Grant where applicable.
As your Erina home loan specialist, we know lenders
With contacts developed over 20 years as an Erina home loan specialist, out team have direct links to major lenders – a real plus if you are self-employed or have unusual circumstances.
We service the entire Central Coast area including Terrigal, Bateau Bay, Kincumber and Woy Woy.
Our home loan service comes at no cost to you
As a valued customer of Mortgage Choice Erina, our home loan service comes at no cost to you.
Call us today
To get started with your Central Coast home or investment property, call Mortgage Choice Erina on 4365 0900. Or click ‘Contact us’ at the top of this page and we’ll be in touch shortly.
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. ~
23 Mar 2022
Extremely happy with the ongoing support from the team at Mortgage Choice. Highly recommend for all your re-financing / loan needs.
22 Mar 2022
smooth process from application to approval.. thanks to luke and the team for an excellent, courteous, and professional service
01 Mar 2022
I can't thank Mortgage Choice Erina enough for all their help in securing my wife and I, a home loan that best suited our needs. They made a complex process easy! Luke, Kyle, Pa...
25 Feb 2022
Luke is such an amazing person, not only is he knowledgeable about what he does, his energy and passion to help people has been a great experience for us. He provides you with a...
23 Feb 2022
Every time we have refinanced, we have always used Mortgage Choice at Erina! They are absolutely fantastic to deal with, explain everything and the communication is exceptional!...
19 Feb 2022
From the first discussion I knew that I was dealing with a market leader. It was a seemless process and I'm so grateful- Thanks
22 Jan 2022
Mortgage choice was definitely the best choice! Katie was our mortgage broker & she was so supportive, responsive & extremely helpful. Katie and the team did an amazing job. We...
23 Dec 2021
Pam and Luke were fantastic during the entire process. We were updated frequently. Pleasure to work with.
22 Dec 2021
Luke and the team did a fantastic job securing us the right finance and without any hassles. Very professional to deal with. Would highly recommend.
16 Dec 2021
Our broker Katie was very knowledgeable and professional. We needed finance to buy vacant land that was in an area with very high demand and was unregistered. We needed a lender...
16 Dec 2021
Katie went above and beyond to get the right deal, and followed up extensively when time was critical. Highly recommended!
11 Dec 2021
Luke Whitbred and his team have made my experience of purchasing my first property so much easier. No question was too silly and their communication and follow up was fantastic!...
10 Nov 2021
I recently had the pleasure of working with Katie to purchase my first home, and I couldn't have done it without her! Katie was so patient and always ready to explain tricky con...
07 Oct 2021
Luke at Morgage choice Erina was very understanding, helpful and professional. Got me a great rate on my home loan and helped out refinancing down the track for an even better r...
01 Oct 2021
Good help in determining best product. Luke was friendly and helpful.
22 Sep 2021
Great service and professional advice!
20 Aug 2021
Katie Dowton has hands down been the best Mortgage Broker I could have ever imagined. She is always so responsive, allows me to bounce all of my insane ideas off her at any time...
18 Aug 2021
My experience with Mortgage Choice Erina was absolutely incredible and they were fantastic. I’m a single Mum and was able to purchase my home because of the amazing Katie. She w...
12 Aug 2021
Recently purchased our third home using the services of Anthony and the team and once again their service was outstanding. Staff are knowledgeable, friendly and helpful! We purc...
21 Jul 2021
Helped us twice to get a better rate after signing up & when we were no longer happy with our lender (due to covid branch closures) got us re financed to an awesome deal my othe...
22 Jun 2021
The team at Mortgage Choice Erina have been outstanding. Always willing to help through the entire process to ensure a smooth transition between lenders and to secure the best d...
24 May 2021
Katie was great to deal with throughout the whole process - highly recommend - good communication and a great outcome that was suited to my needs.
29 Apr 2021
Everyone i spoke to at Mortgage Choice Erina was very professional and they helped me through the hardest thing i could possibly do in my life, get a home loan. The knowledge of...
14 Apr 2021
This is the 3rd time we have used Mortgage Choice Erina. We would highly recommend them .
23 Mar 2021
We have arranged numerous home loans through Anthony over the years. He has always been very professional, easy to communicate with and always found the best opportunity for our...
29 Jan 2021
Dealt with mortgage choice numerous times over the years and again this time they showed great customer service and professionalism highly recommended ... extra big thanks to K...
22 Jan 2021
Katie's help while I was navigating through my first home purchase was outstanding. Katie's knowledge and patience in explaining the processes was reassuring and she always res...
20 Jan 2021
My Partner and I went through Luke to purchase our first home and he was wonderful. Continuously went above and beyond to assist us and no question (I asked a lot haha) or task...
30 Dec 2020
We had great service from Luke throughout our whole house buying experience. We’re first time buyers and he was able to explain everything really simply for us and was always ab...
21 Dec 2020
I can't speak highly enough about the professionalism we received from Katie. Her knowledge and support during this stressful time, selling and buying, was very much appreciated...
11 Nov 2020
We have been using Mortgage Choice Erina's services for several years now and the results we have been able to achieve are excellent. Every question is answered in a timely fas...
03 Nov 2020
Excellent service, advice and ongoing support.
Anthony and his team made refinancing our home loan so easy. We can't recommend them enough! They were friendly, approachable, did all the hard work, and made sure we understood everything too!
Trevor and Genevieve, Koolewong , NSW
- Refinancer
This refinance has been life changing for our family and I cannot thank you enough for your help. I would have no hesitation in recommending Mortgage Choice to my friends and family and also your help was magnificent. So again thank you. A very happy customer.
Martin and Melissa, Kariong, NSW
- Refinancer
The whole team at Erina office were amazing! Always helpful and supportive with great customer service.
Alan and Cathy , Glenning Valley , NSW
- Upgrader
Katie was such a support and delight to work with throughout our recent loan settlement. With what can be quite a stressful process, Katie takes the stress out of the situation and is extremely professional and efficient with getting everything across the line for her clients.
Richard and Kristy, Holgate , NSW
- Upgrader
In using Mortgage Choice Erina for my third mortgage over so many years, I feel that I have received the best deal on the market and will always refer friends and family to them.
David, Wallabi Point, NSW
- Upgrader
I am extremely happy with the assistance I received from Anthony and his team. Not only were they prompt and readily available when I needed their advice, but they were extremely supportive in the help they gave me. I could not have asked for more.
Jo, Kincumber, NSW
- Refinancer
Fantastic service from the team at Mortgage Choice. The process was extremely smooth and everyone was a pleasure to deal with.
Michael and Rachel , Forresters Beach, NSW
- First Home Buyer
We've been using Mortgage Choice since 2005 and the service goes above and beyond. The whole team are always happy to help even if the person you are wanting to speak to is busy at that time, the rest of the the team are always so helpful and thorough. Thank you Katie, Anthony & Luke for your help throughout the last couple of months.
Daniel and Samantha, North Gosford, NSW
- Refinancer
I found the team at MC Erina very helpful from the initial consultation, through the negotiation with the loan provider and to the final settlement. We always felt like we were aware of the status of the application and all questions and requests were responded to promptly.
Brad and Deborah , Narara , NSW
- Upgrader
Katie was absolutely amazing to work with. For two young first time home buyers we had NO idea what we were doing and had a lot of dumb questions. But Katie always replied so quickly with a great attitude and was always happy to explain everything to us. Forever grateful for helping us.
Courtney and Mitchell, Kanwal, NSW
- First Home Buyer
Professional. Confident. Energetic.
Robert and Cassandra, Saratoga, NSW
- Refinancer
Luke was great. Very helpful and always got back to me in a timely manner. Thanks for all of your help!
Troy and Natalie , Green Point , NSW
- Refinancer
I wish to thank Anthony Knight and his team a big thank you for their service. Anthony helped secure our loans on two occasions in a very professional and timely manner with minimum fuss, ably supported by Luke and the rest of the team. I would have no hesitation in recommending their services to anyone wishing to apply for a mortgage.
David and Anne , Avoca Beach , NSW
- Property Investor
Extremely happy with our dealings with Luke and Anthony. They made the daunting task of selecting the best mortgage so simple and did all the legwork for us. They are both extremely knowledgeable and professional and looked after every aspect of the loan process and answered all our questions. Cannot recommend their services highly enough.
Trevor and Leanne , Booker Bay, NSW
- Upgrader
It has been so helpful for us to have your expertise and experience while negotiating the purchase of our first home. Thank you.
Jill and Colin, Wyoming, NSW
- First Home Buyer
Based on standard variable rate over years.
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Need help with your next home purchase?
Talk to an expertFrom 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.
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
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.
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.
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.
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 $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.
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.
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).
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.
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.
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.
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.
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.