Tumbi Umbi Mortgage Choice, Central Coast

Mortgage Brokers Central Coast NSW - Your Home Loan Specialists in Tumbi Umbi

Need help with your finances? Talk to John Acton and the team on the Central Coast for help with home loans, car loans, business lending, financial advice & more.

Contact us on: (02) 4388 1155
Alternatively contact John on: 0402790441

Call Us Mortgage Choice Tumbi Umbi
Office - 02 4388 1155
Fax - 02 4388 1044

Open Hours Mortgage Choice Tumbi Umbi
9am - 5pm Monday - Friday. After hours appt by appointment
Free Appointment

Address

Shop 1/25-27 Wyong Road TUMBI UMBI, NSW 2261

Your local Central Coast home loan experts are just around the corner!

With over 16 years of experience in Mortgage Broking, we have helped thousands of clients on the Central Coast with their home loan needs. Our goal is to find a home loan that works best for you. When you use Mortgage Choice in Tumbi Umbi, it's like having over 20 banks & lenders competing for your business. We will compare their various loan products & find the one that is the best fit.

We can help you to navigate the complex home loan market and to realise your financial goals sooner. Having lived on the Central Coast for 16 years we understand the local property market and the needs of:

First Home Buyers
Those looking to refinance their current loan or to upgrade their home
Investors
SMSF Lending
Debt consolidation
Property investment loans
Car Loans
Personal Loans

With new loan products coming onto the market regularly, meeting with us for a free home loan health check will ensure you have the most appropriate loan product for your needs. We will review your home loan and will compare your loan with those of the many lenders on our panel, not just the rates but the fees, features and benefits too. We will also take into account any potential refinancing costs, such as break fees, to help you work out your options and make the right decision.

Compare your home loan with others on the market with our home loan calculators!

What makes us different?

Our home loan service doesn’t cost you anything!

At Mortgage Choice we do not charge our clients for our residential mortgage services. Mortgage Choice pays us the same* commission, regardless of which lender you have chosen. This means we are only concerned about finding the most suitable home loan for you.

It's all part of our service when you choose to use Mortgage Choice in Tumbi Umbi.

Hear what some of our customers have to say!

Fixed rate Vs. Variable rate!

While there is no crystal ball that can predict what will happen to the economy and interest rates in the future, what we can give you is an insight on the pros and cons of fixing your home loan. Watch our short video above to find out more.

We can help you with:

Debt Consolidation
Asset Finance
Home Loans
Car Loans
Financial Planning
Refinancing
Personal loans
Business Loans
Loan Protection Insurance
Home & Contents Insurance
General Insurance

We are also proud sponsors of the Ourimbah Magpies Junior Rugby League club, The Killarney Vale Bombers and The Entrance District Cricket Club.

If you're ready to speak with a home loan expert, contact the team from Mortgage Choice Tumbi Umbi on 02 4388 1155.

*This information refers only to loans provided by our panel of over 20 lenders with whom Mortgage Choice has an arrangement, under which it receives commissions and other payments.

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

John and Leanne made the process easy from start to finish and their communication was fantastic throughout! Highly recommend the team at Mortgage Choice and we won't hesitate to use them for all our future financial needs.
Micheal and Allysha, Glenning Valley, NSW
- Refinancer

I have been dealing with John, Michelle and Leanne for over ten years now and for good reason, that is they give outstanding service each and every time . I have completed 4 mortgages with the team and every time they have been second to none. I have no problem recommending mortgage choice Tumbi Umbi to anyone.
Kirsty & Wayne, Gwandalan, NSW
- Upgrader

These guys, and gals are absolutely amazing. I would highly recommend mortgage choice crew at Tumbi Umbi to anyone wanting to refinance or consolidate as we did. We were informed immediately for anything that cropped up. Also it was much quicker than we expected or if we had done it on our own. Thank you all, John, Leanne and Shelly for the awesome service u provided for us. Our lives are already better and I can't thank you enough for all you have done. Dropping in some Champers for you lot this week. Thanks again and cheers. :)
Dianne & Drew, The Entrance, NSW
- Refinancer

John is very understanding of our needs. His guidance from start to finish of the loan process is very clear. In challenging times, John is always there to update the matter. He experience in his work clearly shows in these times, and has always managed to lead to positive outcome.
John is a gentleman. He is very confident in what he says because he has always made things happen for us. He has this ability to be calm when any sort of issues arises, and makes sure it is dealt with promptly. I am so glad that I am one of his client. Leanne is sweet, and thorough. She always follow up with us with the latest developments. She is prompt in her reply.
Jyoti & Suman, Mardi, NSW
- Property Investor

We have used Mortgage Choice twice now to refinance our Home Loan and both occasions it has been so easy, and always saved us thousands. Without question we will use them again, there is no way I would go directly to a bank again when it comes to our Home Loan.
Megan & James, Berkeley Vale, NSW
- Refinancer

Purchasing your first home can be a confusing and overwhelming process. John & his team at Mortgage Choice have been great support and have simplified the process from start to end. They were more than happy to answer all of my questions and were able to compare the market to find the best loan for me, at the most competitive rate. I would highly recommend their services!
Tara, Tumbi Umbi, NSW
- First Home Buyer

John and Leanne are very efficient and professional. We have full confidence in their ability to find the best home loan for us. They both supported us through the entire process and answered any of our question or concerns when asked. We would recommend them to anyone looking for a new home loan or to refinance.
Michael & Florence, Macmasters Beach, NSW
- Refinancer

The team at mortgage choice Tumbi Umbi were an absolute pleasure to deal with. They were patient with what felt like our never ending list of questions and found a way to explain every detail to us in a way we would understand. Everything I asked of them they did above and beyond what I would have expected and always kept us up to date on what was happening with the process. I would and have referred many family and friends to visit John and Leanne and will continue to do so with confidence. We were return customers to purchase our second house and will surely be back again in the future. Thank you again.
Amie & Matt, Buff Point, NSW
- Upgrader

John, Leanne and Shell were a delight to deal with. Every question answered without hesitation, guidance and support offered throughout the whole experience. Will recommend your service's to all of my friends. Thank you so much for all of your help!
Stefanie, Long Jetty, NSW
- Upgrader

John , Leanne and team at Mortgage Choice at Tumbi are absolutely amazing and we are very grateful for their help , yet again to assist us in our refinancing needs . A wonderful service! Thanks so much Mortgage Choice Tumbi!
Mark & Jane, Tumbi Umbi, NSW
- Refinancer

Your help and passion is amazing. We were novices in the property investment market, but with your expertise and professionalism, it seemed a breeze. Thanks again.
Leanne & Garry, Lake Haven, NSW
- Property Investor

My experience of Mortgage Choice has been outstanding. The communication between myself, my husband and Leanne was wonderful, with updates whenever we needed them and an ease of contact that was above and beyond. John was professional, knowledgeable and confident in his field, giving me the impression that I was in good hands with my home loan refinancing and that I would be given the best deal. I was regretting the whole refinance, but it has been completely painless - with support provided the whole way. I would recommend John and Leanne as a wonderful team for your home loan needs. I would have no hesitation in using their service again, if required. Thank you so much, you have been wonderful!
Rachel & Tim, Killarney Vale, NSW
- Refinancer

I've known John for a long time and he has handled 4 loans for me and through that taken care of everything including dealing with solicitors. He goes above and beyond for his clients and I have no hesitation recommending him to anyone looking for a mortgage or car loan and I have told all my friends about him and will continue to do so. Any mortgage or financial issues I have I will always go to John for help and advice.
Claudia , Pennant Hills, NSW
- Refinancer

We have been with a major bank for more than a quarter of a century but this process was so seamless. We were always kept in the look and any questions were answered that day. We can not recommend John and Leanne more. We should have made the change much earlier.
Kim & John, Bateau Bay, NSW
- Upgrader

My husband and I have used the team twice now and will continue to do so in the future, the service is nothing short of outstanding. There is no jargon used and any questions are answered in a way we can understand. Extremely quick and efficient.
Karen & Robert, Blue Haven, NSW
- Upgrader

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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 Tumbi Umbi

Tumbi Umbi

Your local Central Coast home loan experts are just around the corner!

What makes us different?

Hear what some of our customers have to say!

Fixed rate Vs. Variable rate!

We can help you with:

If you're ready to speak with a home loan expert, contact the team from Mortgage Choice Tumbi Umbi on 02 4388 1155.

The right home loan for your needs

Google Reviews

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