Michael Daniels & Philip Cooper Mortgage Brokers in Central Coast - Your Home Loan specialists in Erina, Terrigal, Wamberal, Avoca Beach & surrounds

Call: 0414 255 530

Michael and Phil are experienced Central Coast Mortgage Brokers with over 50 years of Home Loan experience.

Our office is in Erina, but we can also meet online via Google.

Call Us Mortgage Choice Erina
Mobile - 0414 255 530
Office - 02 4384 5900

Open Hours Mortgage Choice Erina
Monday - 8 am to 6 pm
Tuesday - 8 am to 6 pm
Wednesday - 8 am to 6 pm
Thursday - 8 am to 6 pm
Friday - 8 am to 6 pm
Saturday - Closed
Sunday - Closed
Free Appointment

Address

Element Building Business Centre, Suite 4.25, Level 4, 200 Central Coast Highway ERINA, NSW 2250

Our top 5 lowest interest rates available

Fixed rates
Variable rates

Lender

Interest Rate*

Comparison Rate

Lender

Interest Rate*

Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Start your home loan journey today

First-class mortgage broking service aimed at guiding you through the complex world of finance and lending. Michael and Philip are a dedicated team with expertise in residential lending, small asset finance and commercial lending.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans

Other areas we service

We take the time to understand your circumstances, requirements and objectives so that we can develop a sustainably-structured loan solution that will work for you now and into the future. We have offices in North Ryde and the Central Coast, and Michael is also fully mobile for your convenience.

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy to use home loan calculators here or get in touch with us to discuss your unique situation.

Ready to start your home loan journey with our help?

Find out for yourself why my customers are so happy. I'll make your next purchase an easy one.

Call us on 0414 255 530 today.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Erina, Terrigal, Wamberal, Avoca Beach, Bateau Bay, Forresters Beach, East Gosford, Green Point, Kincumber 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 or get in touch with Michael Daniels or Philip Cooper 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 Michael Daniels today on 0414255530 or Philip Cooper on 0459407310.

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

We highly recommend Phil and the Smartline team. We recently refinanced our mortgage with Phil, who went above and beyond to ensure we had the best rates, and to meet all the extra requirements for approval that comes with being self employed. Phil made the process simple and easy to understand the whole way along, and before we knew it we had approval and settlement! Highly recommend Phil and the Smartline Erina team.

James
17 August 2021

Philip has been our go to for mortgages over the last 15-20 years in both domestic and rural properties. Phil (and the team at Smartline) are professional, knowledgeable and facilitate the loan from beginning to end, making the whole process transparent and stress free. Highly recommended!

Adrian
21 July 2021

Sensational always here to help out great team

Steve
20 July 2021

Michael was extremely professional and helped us work through a very difficult situation with our bank. We would highly recommend Smartline!

Nyree
22 June 2021

Second time I have used Michael and another great result. I found the Smartline team to be responsive, supportive and in my corner ensuring I got the right loan considering the total cost of ownership and based on my specific needs. The process was fast and Michael and the team were readily available to support me with any questions of concerns I had. Thanks again!

Dave
31 May 2021

Despite having a raft of clients Michael has the rare ability to make you feel as if he is only working for you. He recently moved heaven and earth to help us buy our dream home and we cannot rate him highly enough. His attention to detail, dedication to his clients and calm manner ensured the most positive of experiences and I would recommend his services time and time again. Thank you Michael!

Helen
23 May 2021

We would like to Thank Michael for his expertise and ability to get a loan to suit our needs. There were a couple of obstacles along the way, which he was able to navigate for us. As settlement drew closer, Michael really worked hard to ensure everything was in place for settlement to go ahead smoothly. We highly recommend, Michael.

Natalie
09 March 2021

Michael was great, from coming out to explain the process to myself and my partner through to final approvals and loan conversions he has been easy to deal with and I will continue to use his services moving forward.

Michael
23 January 2021

We came to Michael at a time when we were struggling financially. Our current lender would not budge from our ridiculously high rate and I was having no luck refinancing independently.
Michael was fantastic in helping us refinance. His knowledge in the area and professionalism was outstanding and the rate that he secured us was simply incredible.
We were kept up to date throughout the process and f... read more

Tom
06 December 2020

Michael really went the extra mile for us, was always very responsive and really professional. Michael really knows his stuff, highly recommend him.

Josh
02 November 2020

I highly recommend Phil and Michael at Mortgage Choice Erina, they are such a friendly team with good practical advice. Working with them was super easy - they kept me informed of the process the whole time so I was never left wondering, and found me the lowest interest rate available. I'm very happy with the outcome

Veronica
05 April 2024

My wife and I have used the services of Michael Daniels on multiple occasions for refinancing and for the purpose of a percentage rate reduction on our home loan.
We find Michael to be truly knowledgeable across all aspects of the lending space. He always has his finger on the pulse and no question we have asked him has ever been too hard. He can also offer unique real estate market insights and cr... read more

Peter
01 April 2024

Michael secured us an excellent rate after our fixed-rate term expired. Following a few email exchanges outlining the specifics, we now enjoy a rate that is 2.19 lower than the initial bank quote. Highly recommended.

Sile
19 March 2024

Michael was amazing - so knowledgeable of lending criteria of different banks . We only had income from Super and are not young - yet Michael got us two loans approved in the past 12 months.
Michael is easily contactable and always responds quickly.
There is a portal system for uploading documents which makes it so easy to supply the multitude of information required by the banks.
But mostly Michae... read more

Rhoda
31 January 2024

We refinanced and the process couldn't have gone more smoothly, great communication throughout made it stress-free.
Highly Recommend
Thank you Michael Daniels from Mortgage Choice Erina

sarah
30 January 2024

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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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.

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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.

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.

State / Territorial Revenue Web Sites

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Calculate

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.