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Luke Whitbread

Mortgage Broker Erina, Terrigal, Avoca, Wamberal & the entire 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

The guys from Mortgage Choice were always very helpful and have always been so quick to return phones calls and emails. I have enjoyed working with Mortgage Choice Erina and would highly recommend them.

18 April 2024  

Very easy to deal with. All great people full of knowledge who truly want the best for you. Couldnt recommend a better service

15 March 2024  

I highly recommend Luke and the team at Mortgage Choice Erina. We put them through a long painful process with the purchase of our first investment property and since then they constantly work on ensuring we are getting the best rates and keep us well informed. Again recently with another purchase they gave informative recommendations on next steps and quickly dealt with loan options and the application. I have no hesitation in recommending anyone to use Mortgage Choice Erina.

14 March 2024  

Brent has been amazing with the refinancing of my home loan Constantly keeping me up to date and informed with where things are at along the way. Couldnt have done it without him Thank you so much Highly recommend Brent

09 March 2024  

Excellent service, really helpful as a new arrival to Australia. Gave us options and great advice

05 March 2024  

Great experience very helpful

27 February 2024  

Luke and the everyone at Mortgage choice Erina have been great to deal with, making our transition easily, also by being approachable and clarifying all the questions we had. Special shout to Kyle and Sydney who have been working with Luke behind the scene. Beatriz and Mark White

15 February 2024  

1010 We cannot thank mortgage choice enough for their support, commitment and professionalism in helping us secure the mortgage for our first home. The team went above and beyond to ensure that everything was in place in preparation for the approval and purchase. We are beyond thankful and recommend them to anyone looking for a fantastic broker company. Thank you

09 February 2024  

My partner and I loved our experience through Mortgage Choice Brent was amazing and there for us every step of the way for our first home purchase. So glad we were recommended this place.

07 February 2024  

very easy to deal with and incredibly helpful. definitely recommend. made the whole experience very easy and less stressful.

05 February 2024  

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