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Luke Whitbread

Mortgage Brokers Central Coast NSW - Your Home Loan Specialists in Erina

With over 20 years of experience, the team at Mortgage Choice in Erina have helped hundreds of home loan customers on the Central Coast
  • Call Us Mortgage Choice Erina
  • Office - 02 4365 0900
  • Fax - 02 4365 0901
  • Open Hours Mortgage Choice Erina
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment
Address

Suite 1 Karalta Connect, 18 Karalta Road ERINA, NSW 2250

Start your home loan journey today

Know the feeling of owning your own home on the Central Coast

At Mortgage Choice Erina, we’re excited about helping you achieve your home loan goals in the vibrant, rapidly growing Central Coast region.

With over 20 years of experience, the team at Mortgage Choice in Erina have helped hundreds of home loan customers – just like you, achieve their property goals with the loan that’s right for their needs. We look forward to helping you.

As one of the most experienced mortgage brokers on the Central Coast, our team provides proven expertise across a range of needs including:

  • First home buyer loans
  • Home upgrades
  • Refinancing
  • Property investment loans
  • Loan top ups
  • Debt consolidation.

Mortgage Choice Erina makes your next loan easy

Our goal is to give you a streamlined loan experience.

First, we spend time understanding your circumstances and goals. Then we sort through our extensive panel of lenders – including many of Australia’s largest banks plus specialist lenders, to find the loan(s) best suited to your needs. The final choice is always yours.

Once you have selected your preferred loan, we’ll take care of the paperwork and manage your application all the way to settlement. We can even arrange your First Home Owner Grant where applicable.

As your Erina home loan specialist, we know lenders   

With contacts developed over 20 years as an Erina home loan specialist, out team have direct links to major lenders – a real plus if you are self-employed or have unusual circumstances.

We service the entire Central Coast area including Terrigal, Bateau Bay, Kincumber and Woy Woy.

Our home loan service comes at no cost to you 

As a valued customer of Mortgage Choice Erina, our home loan service comes at no cost to you.

Call us today

To get started with your Central Coast home or investment property, call Mortgage Choice Erina on 4365 0900. Or click ‘Contact us’ at the top of this page and we’ll be in touch shortly.

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


Great to work with Everyone was incredibly helpful, efficient and organized. Absolutely recommend

Georgia Maskell
14 July 2022  

Very helpful and accommodating when purchasing our first investment property,
I would highly recommend.

Philip Dixon
13 July 2022  

Luke at Mortgage Choice Erina was amazing Very informative and made the whole process very smooth Would 100 recommend him to everyone we know Thanks

Breah Twyman
10 July 2022  

Katie at Mortgage choice has now helped me with two home loans as well as a top up. She is the most patient woman ever. Amazing and what she does and makes the whole process really stress free. Cannot recommend this team enough

Courtney Lorking
17 June 2022  

Katie's help while I was navigating through my first home purchase was outstanding. Katie's knowledge and patience in explaining the processes was reassuring and she always responded quickly to any queries I had.
I was working from a remote location through much of the process which added a huge degree of difficulty, but Katie took it all in her stride and I cannot thank her enough for her assistanc... read more

Lesley Schoon
17 June 2022  

My experience with Mortgage Choice Erina exceeded all my expectations.
I was recommended Luke as the specialist in his field, who could help me achieve becoming a first time home owner as a single parent with two dependents and multiple income streams, I felt as though this was an unrealistic dream.
Luke was approachable in his guidance, knowledgeable and optimistic that it was an achievable goal, a... read more

Tiffany Turner
17 June 2022  

Such a great, smooth experience The team is incredibly helpful and go above and beyond for you. Highly recommend

Shane Batchler
17 June 2022  

The team at mortgage choice erina were absolutely brilliant to work with.
They made the whole process of buying our first home seamless and stress free.
Both Luke, Kyle, and the admin team liased to make our experience truly enjoyable and they went that extra mile to make sure of it.
Couldn't recommend them enough, 5 stars all round.

Cameron Labone
18 May 2022  

The team at Mortgages Choice Erina take great personal care of you. They have assisted me every step of the way. Luke Whitbread answers all my questions in a timely manner and Pam in the office keeps you updated all the way.
Thanks for taking such good care of me team.

Meredith Milne
18 May 2022  

Amazing professionalism and detail oriented company. Katie has been outstanding with our first property and we'd reccomend her to anyone after a mortgage broker with transparency and direction.

jordan blount
18 May 2022  

Read more reviews

This refinance has been life changing for our family and I cannot thank you enough for your help. I would have no hesitation in recommending Mortgage Choice to my friends and family and also your help was magnificent. So again thank you. A very happy customer.

Martin and Melissa, Kariong, NSW
- Refinancer

The whole team at Erina office were amazing! Always helpful and supportive with great customer service.

Alan and Cathy , Glenning Valley , NSW
- Upgrader

Katie was such a support and delight to work with throughout our recent loan settlement. With what can be quite a stressful process, Katie takes the stress out of the situation and is extremely professional and efficient with getting everything across the line for her clients.

Richard and Kristy, Holgate , NSW
- Upgrader

In using Mortgage Choice Erina for my third mortgage over so many years, I feel that I have received the best deal on the market and will always refer friends and family to them.

David, Wallabi Point, NSW
- Upgrader

Fantastic service from the team at Mortgage Choice. The process was extremely smooth and everyone was a pleasure to deal with.

Michael and Rachel , Forresters Beach, NSW
- First Home Buyer

We've been using Mortgage Choice since 2005 and the service goes above and beyond. The whole team are always happy to help even if the person you are wanting to speak to is busy at that time, the rest of the the team are always so helpful and thorough. Thank you Katie, Anthony & Luke for your help throughout the last couple of months.

Daniel and Samantha, North Gosford, NSW
- Refinancer

I found the team at MC Erina very helpful from the initial consultation, through the negotiation with the loan provider and to the final settlement. We always felt like we were aware of the status of the application and all questions and requests were responded to promptly.

Brad and Deborah , Narara , NSW
- Upgrader

Katie was absolutely amazing to work with. For two young first time home buyers we had NO idea what we were doing and had a lot of dumb questions. But Katie always replied so quickly with a great attitude and was always happy to explain everything to us. Forever grateful for helping us.

Courtney and Mitchell, Kanwal, NSW
- First Home Buyer

Professional. Confident. Energetic.

Robert and Cassandra, Saratoga, NSW
- Refinancer

Luke was great. Very helpful and always got back to me in a timely manner. Thanks for all of your help!

Troy and Natalie , Green Point , NSW
- Refinancer

Extremely happy with our dealings with Luke and Anthony. They made the daunting task of selecting the best mortgage so simple and did all the legwork for us. They are both extremely knowledgeable and professional and looked after every aspect of the loan process and answered all our questions. Cannot recommend their services highly enough.

Trevor and Leanne , Booker Bay, NSW
- Upgrader

It has been so helpful for us to have your expertise and experience while negotiating the purchase of our first home. Thank you.

Jill and Colin, Wyoming, NSW
- First Home Buyer

Communication, assistance and reassurance throughout and after the entire process.

Cody and Nicholas, Wamberal, NSW
- First Home Buyer

Always helpful, friendly and easily reached. We were very happy with all aspects of Mortgage Choice at Erina and would gladly recommend them to anyone who is needing finance.

Melanie and Dennis, Blue Haven, NSW
- Refinancer

Help me calculate

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