Guy B Lawrence

Your Central Coast mortgage broker in Gosford - home loan specialists

Call: 0413 041 457

Talk to Guy Lawrence & the team in Gosford for help with home loans, car loans, business lending, financial advice & more across the Central Coast.

For expert help with your finances, book a free, no-obligation appointment today - we'll come to you!

Call Us Mortgage Choice Blacktown
Mobile - 0413 041 457
Office - 0413 041 457
Fax - 02 8814 8277

Open Hours Mortgage Choice Blacktown
Monday - Friday 8.30am - 5.30pm
Saturday & Sundays by appointment
Free Appointment

Mobile Broker

Servicing across the Central Coast and down to Sydney

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Why choose Mortgage Choice in Gosford for your home loan and finance needs?

Mortgage Choice in Gosford was established in March 1998
We have helped thousands of people find the right home loan.
We will explain the home loan process in terms that are accessible and clear to understand.
We will compare over 20 lenders and offer you a choice of home loans from hundreds of competitive products available.
We will prepare all the paperwork and do all the running around for you.
Our office is located in the heart of the Central Coast region in Gosford for your comfort & convenience - or we can come to you.
Our home loan service is no cost to you because the lenders pay us.

Whether you are looking to purchase your dream home, an investment property or simply wanting to refinance your current home loan for a better deal, we are here to help you.

Our services

No matter what your financial position is or what type of finance you need, our Gosford team for the Central Coast can help. We have extensive experience across a broad range of finance products that include:

Home and property investment loans
Commercial loans
Car and Personal loans
Deposit bonds
Insurance
Leasing & chattel mortgages

Call us to make an appointment or arrange a time to meet on 02 4322 3818.

Convenience with the benefit of choice

It's simple to get started with our Central Coast team - book an obligation-free chat to discuss your goals. We are always willing to meet at a time and place - across the Central Coast Region - that suits you.

Our expert mortgage broker, Guy Lawrence, will review all of the lending products from our wide panel of over 20 lenders, including the big banks, to present you with a choice of loans and lending strategies that will be suited to your needs.

By having access to such a large number of banks and smaller lenders, we're able to offer you tailored solutions with products that fit all of your needs, no matter the challenges you may have faced with approvals in the past.

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

See all Google reviews

Christopher was fantastic every step of the way. From my initial meeting, Christopher provided me with the best advice and options to choose from with my current financial plans and kept me updated every step of the way until settlement. A 'BIG' shout out and thank you to the guys at Mortgage Choice Gosford for all your help and assistance and making it such an easy process for me!
Bradley Cameron, GOSFORD, NSW
- Refinancer

Thank you so much Mortgage Choice Gosford for providing such a fantastic service in refinancing our Mortgage. Chris was so patient with us in getting everything together for our application, and provided outstanding service in explaining the process along the way. He was even there providing me with regular encouragement to get all of our paper work together, without his help we would never have gotten it all sorted so easily.

Thanks
Shann
Shann Mitchell, Gosford, NSW
- Refinancer

Myself & my fiancé Glenn had been trying to get finance with our own bank for about 4mths for a pool & renovations. Our bank kept messing things up, we couldn't speak to the same person every call so had to explain the whole mess whenever we phoned them. I had enough of their incompetence so Glenn phoned Mortgage Choice in Gosford. What a breath of fresh air. Chris is a lovely man, easy to talk to & nothing was a problem. No more chasing banks, Chris came to us & did so on several occasions. Chris kept us up to date at all times & we now have our money. We will definitely use Chris in the future & recommend him to friends & family.
Chris Frost, Wyoming, NSW
- Refinancer

Chris was an absolute pleasure to have, i will definitely recommend him to my friends and family as i got the best service and always kept me updated with everything along the way, thank you Chris we will come back to you again in the future! :)
Kristylee Arraiza, San Remo, NSW
- First Home Buyer

Chris from Mortgage Choice was such a pleasure to deal with and get to know. Very friendly customer service and made us feel welcome from the very first phone call. Keep up the good work guys
Lana Gayawansha, Gosford, NSW
- Upgrader

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

Help me calculate

More calculators

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

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 $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 $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 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 $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.