Ian Winn Mortgage Broker in the Central Coast, Newcastle and surrounds

Call: 0401 240 183

With a client-focused approach, Ian Winn helps his clients achieve their financial objectives. He guides his clients through the lending process, providing advice and clear communication to support their decision-making and secure the right home loan for his clients.

He is based in Gosford and is mobile across the Central Coast and Newcastle regions

Call Us Mortgage Choice Gosford
Mobile - 0401 240 183
Office - 0401 240 183

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

Address

Suite 1/86 Mann Street GOSFORD, NSW 2250

Latest home loan interest rates

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Services

Specialising in residential finance Ian will help you access a loan that can support you achieving your financial future.

Home loans
Investment loans
Refinance loans
Construction loans
Equity release/"cash out"
Deposit Bonds
Car and asset finance
Business equipment finance
Commercial property finance

Mortgage Choice - Ian Winn

Want to know your borrowing power?

When you're getting ready to purchase property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a home can be confusing, which is why we have some awesome calculators at your disposal.

Feel free to check out our easy to use calculators or get in touch with Ian Winn to discuss your options

Other areas I service

An astute and highly experienced broker who thrives on a challenge, Ian offers a reliable, accountable service aimed at delivering great results without the stress.

He provides a mobile service across the Central Coast, Newcastle and Hunter Valley

Ourimbah
Holgate
Matcham
Erina Heights
Erina
East Gosford
Point Frederick
Wamberal
Lisarow
Terrigal
Bateau Bay

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

Ian was extremely helpful and made the process of buying our first home stress free, he understood all of the regulations and saved us money with the first home owners guarantee. He explained every part of the process and answered our questions in a very timely manner. We highly recommend Ian to anyone looking for a broker, we couldn't have done it without him.

Hannah
09 December 2023

Exceptional Service and Expertise
We recently had the pleasure of working with Ian Winn from Mortgage Choice to secure a mortgage for our new home, and we couldn't be happier with the experience.
From the outset, Ian demonstrated an impressive level of expertise and professionalism. He took the time to thoroughly understand our financial situation and provided invaluable guidance throughout the entire pro... read more

Laura
05 December 2023

Ian provided a professional service and was very helpful from obtaining pre-approval to settlement. He was always available for questions I had about buying my first home and continues to be helpful. I would highly recommend him.

05 December 2023

Ian helped us purchase our new home. He was very patient and attentive to our needs and budget. He explained everything clearly and made sure we understood every step of the process. He found us a great deal and secured our loan in a timely manner. We are very satisfied with his service and we would highly recommend him to anyone looking for a mortgage.

Rob
02 December 2023

We had the pleasure of dealing with Ian. He was professional, friendly and he really took the time to understand our situation. He provided us with a fantastic rate and we couldnt have been happier. I highly recommend Ian and we will definitely be using him again. Ian made the process so easy and he was extremely efficient.

Wendy
06 November 2023

Ian and Carolyn were just brilliant supporting us to secure our latest investment property.
Throughout the process you were both always available to answer any of our questions gave us great advice as we set up multiple loans with a new bank and guided us though the twists and turns all the way to final settlement.
We have already started praising your names to friends who are looking to invest You both t... read more

Jane
03 November 2023

Thankyou to Ian and his team This is our second mortgage arranged by Ian and he makes the process understandable, simple and stress free. Ian has fantastic communication and great to work with. Thanks again, Hannah Atkins and Elliott Kennedy

Hannah
20 October 2023

Ian and Carolyn were super helpful throughout the entire process from getting an idea of borrowing capacity, to pre-approval several times as settlement was pushed out to formal approval. Ians knowledge of various banks policies offerings proved invaluable to getting the best deal and structure that worked for me, and helped me buy my first home

Giselle
17 October 2023

Ian was an incredible broker. He walked us through the process in a clear and methodical way. He was always available to answer any questions. He was friendly, kind and generous with his time.
He made the process as simple as possible. We would definitely recommend his services

Maddison
17 July 2023

Professional service with great communication, sensible advice, and competitive rates. Highly recommend.

Dave
27 June 2023

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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.