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Michael Daniels

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

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

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

Our top 5 lowest interest rates available

Interest Rate*
Comparison Rate
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.

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!

21 July 2021  

Sensational always here to help out great team

20 July 2021  

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

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!

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!

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.

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.

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

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.

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

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

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.

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

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

30 January 2024  

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Refinancing guide

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

Download now


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