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

Call: 02 4388 1155

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 19 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 35 banks & lenders competing for your business. We will compare their various loan products & find the one that is the best fit.

Contact the team today!

Start your home loan journey today

How can we help you?

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
Investors
SMSF Lending
Debt consolidation
Property investment loans
Car 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.

Contact the team today!

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

Hear what some of our customers have to say!

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.

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

We can help you with:

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

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 into the pros and cons of fixing your home loan. Watch our short video above to find out more.

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

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

Amanda and John have been extremely helpful. They've been patient with our changing circumstances and have sorted everything out for us. It is nice to have all the finer details sorted and explained and taken care of. Communication was exceptional every step of the way, and now we are in our brand new home. I couldn't recommend them enough. Thank you

Kasey
08 July 2024

Thank you to Leanne and the team at mortgage choice Tumbi Umbi I would 100 recommend Leanne if you are a first home buyer like myself, she made the whole process easy to understand and guided us every step of the way. My husband and I never thought we would be able to borrow enough to buy a home in the area we were hoping for until we spoke with Leanne. We now have our perfect forever home.

gemma
28 May 2024

Leanne was amazing to work with and we would absolutely recommend her. She was extremely knowledgeable, friendly and helpful. Her guidance helped us secure a loan quickly and without any fuss. She went above and beyond to help us understand the process and made sure we were getting the right mortgage for our circumstances. Thank you, Leanne. We cant wait to move into our new home

Olivia
14 April 2024

Leanne and the team were amazing at helping us refinance to carry out some renovations. The process was easy and straight forward and they provided excellent guidance throughout.
In addition, they even negotiated a rate reduction with one of our previous lenders without us even having to ask. How good is that
Very happy.

Nicolas
27 March 2024

Leanne was very helpful and always available to talk and explain the process. Would recommend Mortgage Choice and will be using again when needed

James
15 February 2024

Leanne has made the stressful process of owning our first home a lot easier. From our first meeting where she broke the Mortage application down in laymans terms to providing us with unwavering support throughout gaining all the relevant paperwork and kept us calm through the anxiety of buying our first home I will actually miss our phone calls at all times when I am having doubt and now cant wait to move into our home Thanks for everyone thing Leanne

Roisin
15 February 2024

Leanne went above and beyond. Held my hand every step of the way. I would highly recommend her. She got me into my first home

Ginie
21 November 2023

Highly recommend, Leanne was so helpful with the whole process and went above to make sure I was aware of all my options and felt in very safe hands.

Fiona
20 November 2023

As first time home buyers, mortgage choice made this process super seamless, amongst my multiple emails and phone calls, they were always available to answer all of my questions and relieve any stress I had. Would highly recommend.

Alarna
03 August 2023

Couldnt ask for a better experience dealing with John and Amanda at the Tumbi Umbi office. John has been my broker for over 20 years now and i have found John, Amanda and the team to dedicate themselves to always finding the product thats right for me whilst providing exceptional service all the way through the process. I highly recommend this firm as I know you wont be disappointed .
Thanks John and Amanda again

Kathie
30 July 2023

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You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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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Recalculate borrowing power

Monthly income

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You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

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Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

State

Property use

Type of dwelling

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First Home Buyer?

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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 $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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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.