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Terry Hinchliffe

Central Coast Mortgage Choice - Terry Hinchliffe call 0459 487 396

Woy Woy to Wyong and across the Central Coast. As a mobile broker, I can come to you or we can meet on-line. After hours and weekends. I'll find the right loan from over 30 different lenders at no cost to you. Call me for a preliminary chat or an appointment on 0459 487 396.
  • Call Us Mortgage Choice Empire Bay
  • Office - 0459 487 396
  • Open Hours Mortgage Choice Empire Bay
  • 9AM to 6PM Mon- Fri
    8AM to 3PM Sat
  • Free Appointment
Mobile Broker

Servicing the entire Central Coast from our home office in Empire Bay.
Latest home loan interest rates
Starting from
Comparison rate
Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Our current interest rates

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.

Latest home loan interest rates
Starting from
Comparison rate
Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.


Start your home loan journey today

Hi I'm Terry Hinchliffe, your Central Coast, Mortgage Choice, Mortgage Broker.

I'm passionate about living on the Central Coast, it's beaches, waterways, its national parks and of course, the easy going lifestyle. 

I'm also passionate about helping people to secure their home loan to meet their needs at a competitive rate. Call me on 0459 487 396 to discover how competitive your first, or next, home loan can be.

6 ways I can streamline your Central Coast home loan

Choosing the right Central Coast home loan can be difficult, and it’s my job to make it easy for you.

  1. Experience – I can answer all your questions about the home loan process, and I take the time to understand your home loan needs.
  2. Local knowledge – I can find the right Central Coast home loan best suited to your lifestyle, from 20 different lenders including some of Australia’s biggest banks.
  3. A great deal that’s right for you – As I work closely with home loan lenders on the Central Coast, I always aim to secure the best possible deal for you.
  4. Simplicity – I’ll complete the loan paperwork on your behalf, leaving you free to find your Central Coast dream home.
  5. Convenience – I know you’re busy, that’s why I can meet at a time and place that suits you – including after hours, right across the entire Central Coast
  6. No cost to you – As your Central Coast mortgage broker I’m paid by lenders.

I specialise in:

  • Central Coast first home buyer home loans (and First Home Owner Grant eligibility).
  • Refinancing your existing Central Coast home loan.
  • Central Coast investment property loans.
  • Deposit bonds on the Central Coast.
  • Using your Central Coast home equity to renovate or invest.

Terry Hinchliffe, Central Coast mortgage broker. Mobile 0459 487 396.

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

Terry is a very professional, friendly and honest Mortgage Broker who always answered my queries promptly and got me the best rate. Pre approval was so fast. Im so happy with my house purchase in Umina. I would recommend Terry to anyone for all your home loan or Financial needs.

23 March 2024  

Many thanks Terry for doing such a great job on my mortgage recently. I appreciate you went above n beyond and made the whole process very easy for me. Wouldn't hesitate to use your services again, thanks.

07 February 2024  

Terry is amazing
He went above and beyond to help refinance my mortgage within very tight deadlines over the crazy ChristmasNew Year period. Nothing was too much trouble. Terry was happy to meet face-to-face and take calls outside of normal business hours. He calmly answered every one of my questions while coordinating responses to the banks' numerous requests for additional information. His suppo... read more

24 January 2024  

Mortgage Choice were terrific. Terry refinanced our 2 investment loans and we are now saving 460 per month. The loans were only small, but Terry had them combined so that we qualified for a 3,000 cashback for refinancing. I highly recommend Terry for refinancing.

29 September 2023  

Terry was excellent. From his first meeting us after hours at our house to obtaining a First Home Buyers gurarntee from the government. It was very reassuring to have his professionalism and guidance to buy our first home. Thank you Terry.

07 September 2023  

Terry did an amazing job Despite my contract job causing loan rejection, he found a bank and loan that saved the day. Forever grateful

01 August 2023  

I highly recommend Terry from mortage choice to anyone looking to secure a mortage. I was also referred to him by a friend. I am first home buyer and had very limited knowledge about the process. We explored many options and we found a good lender for a low interest rate. The whole process was smooth, well communicated and i was kept up to date every step of the process. Overall service 1010 with prompt responses and highly recommend.

21 June 2023  

Great service. Terry went above and beyond to answer all my questions and assist with me my home loan and refinance.

14 June 2023  

If you are looking for a great mortgage broker Terry is the perfect choice He was always readily available to answer any questions I had or to further explain any processes I didn't understand. He made the process of buying a home less stressful and never gave up on helping me even when it took me close to a year to find the right home. I would recommend him to any friends or family

31 May 2023  

Terry has been a pleasure to interact with and was always well informed. I would highly recommend his services. Ten stars

26 April 2023  

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