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Luke Whitbread

Mortgage Broker Erina, Terrigal, Avoca, Wamberal & the enitre Central Coast

Mortgage Choice Erina provides their clients with the knowledge and financial solutions to build wealth that lasts for generations.
  • 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

Suite 1 Karalta Connect, 18 Karalta Road ERINA, NSW 2250
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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 02 4365 0900. Or book an appointment below.



Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Erina, Gosford, Terrigal, Avoca and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here (link to calculators page) or get in touch with our team to discuss your unique circumstances

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call us today on 02 4365 0900

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

Katie the team at Mortgage Choice Erina have been amazing throughout the whole process of securing our first home loan.
Katie is extremely knowledgeable went above and beyond to make sure everything was communicated in an easy to understand way, which really helped put us at ease and made the whole process so much smoother.
We couldnt recommend her and her team more highly

26 November 2023  

Could not recommend Mortgage Choice Erina highly enough Katie's assistance and professional advice helped secure the best rate and lender for our home loan, walking us though the entire legal process from start to finish, always available to answer our enquiries putting our minds at ease The whole process was made really simple and with ongoing monitoring of lender rates to ensure we get the lowest available, why would you go anywhere else

23 November 2023  

Katie was absolutely amazing We can't thank her enough, she really went above and beyond to get us our first house. Truly AMAZING

21 November 2023  

Luke the whole team at Mortgage Choice Erina have been fantastic to deal with, through the entire process of changing lenders and applying for another mortgage. Their knowledge and willingness to help has been exceptional. Couldnt recommend them more highly.

08 November 2023  

It was such an easy process from start to finish. Luke is very professional and was able to secure a great option for my circumstances. Thank you

30 October 2023  

Fantastic service. Friendly and efficient, they made the loan application process a very painless experience. The initial meeting was quite thorough and filled with very helpful financial advice. Highly recommended

25 October 2023  

Professional, welcoming, friendly, supportive, knowledgeable staff. grateful for the assistance they gave me

12 October 2023  

Luke at mortgage choice has provided exceptional support to us with exploring our options and securing an excellent product. He went above and beyond and always got back to us very quickly and was also great at ensuring we understood exactly what we were looking at and agreeing to.
We had a negative experience with a broker in the past Luke has shown us what it can be like.

06 October 2023  

Great service with following up all matters promptly

14 September 2023  

Great service, got me a great rate on my home loan and proposed a solution to upping my borrowing capacity for my individual circumstances. First home buyer, very pleased

15 August 2023  

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