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

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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. ~

Client reviews

One of the most stressful times in my life, but Guy and Betty are professionals and they helped me get through it with the outcome i wanted. Thank you so much

Rodney
07 November 2023

Big Thankyou to guy and Betty for getting my finance through so quickly and easily through a stressful time . Great communication all th way

Lisa
30 October 2023

Highly recommend Guy Lawrence, a fantastic Broker

This is the second experience with Guy with buying and selling, though in between many more interactions. Guy has always been extremely helpful and attentive, always happy to jump on a call, talk things through, review circumstances and goals and the different options, liaise with other parties, this has been greatly appreciated.

Guy has made the e... read more

Olivia
14 June 2023

Guy was just tremendous in terms of providing us with curated advice in a timely manner. Would highly recommend Guy to anyone seeking related information

Kevin
03 June 2023

Due to all the unnecessary dramas of my current bank I was switching from, Guy Lawrence addressed the dramas and kicked goals for me. I totally would recommend Guy to anyone I know. 1010

Matt
06 March 2023

Always available and very professional.

Richard
20 January 2023

My wife and i recently purchased a property and Rob guided us through the Kaos that sometimes comes with buying property.
Through his professional approach , his thorough preparation and product knowledge and perserverance, im convinced that he is the reason that we are now happily sitting in and enjoying our new purchase.
I cannot recommend Robs services highly enough.
Thanks again Rob

Brian
17 July 2021

Engaged Rob for a loan late 2019. We just wanted the lowest rate possible and he prescribed exactly that. Impressively, his continued service throughout the whole process from initial engagement right through to exchange was great. Always quick to reply or readily available to hear concerns or questions as the process isn't that familiar to us. Highly recommend Rob, knows his stuff, down to earth and diligent.

isaac
17 July 2021

Robert at Mortagage Choice Gosford sourced, followed up and brought home for myself an excellent deal from a lender. Couldnt recommend Roberts services enough very happy with the customer care he provided in obtaining the right Mortagage package.

Andrew
17 July 2021

Due to a change in family circumstances, we found ourselves needing to borrow more money than we had planned in what turned out to be a very complicated mortgage. From the first time we met with Rob, his positive attitude gave us confidence that we would secure the finance we needed. Continual changes in our circumstances meant that it was a long drawn out process, however Rob was by our side the wh... read more

Anthony
17 July 2021

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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The borrowing amount is a guide only. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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There's a lot to consider when choosing the right loan.

The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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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 $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.