Home Loan Experts in Erina, Central Coast NSW

Mortgage Brokers Central Coast NSW - Your Home Loan Specialists in Erina

Call: 02 4365 0900

With over 20 years of experience, the team at Mortgage Choice in Erina have helped hundreds of home loan customers on the Central Coast

Call Us
Office - 02 4365 0900
Fax - 02 4365 0901

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

Address

Suite 1 Karalta Connect, 18 Karalta Road ERINA, NSW 2250

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:

First home buyer loans
Home upgrades
Refinancing
Property investment loans
Loan top ups
Debt consolidation.

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. We are paid by lenders after your loan settles, receiving the same commission regardless of which loan you select. It means we only recommend the loan best suited to your needs.

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.

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

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

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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 Melbourne. Or you can receive a FHOG of $20,000 if you buy/build a new home in regional 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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Mortgage Brokers Central Coast NSW - Your Home Loan Specialists in Erina

Erina

The right home loan for your needs

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