Terry Hinchliffe

Mortgage Broker - Terry Hinchliffe in Central Coast, Woy Woy, Umina

Woy Woy to Wyong and across the Central Coast. After hours and weekend consultations. My service is at no cost to you. Call me for an appointment on 0459 487 396.

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Office - 0459 487 396

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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.

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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.

Experience – I can answer all your questions about the home loan process, and I take the time to understand your home loan needs.
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.
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.
Simplicity – I’ll complete the loan paperwork on your behalf, leaving you free to find your Central Coast dream home.
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
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. ~

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Lauren & Jacob, Tascott, NSW
- First Home Buyer
....."Hey Terry, here’s some pics :) Our dreams of owning our first home finally came true. A stressful process made easier with your help as mortgage broker, we appreciated the guidance and help along the way. We couldn’t be more happy!"

Terry was able to show up at my home on a weekend!!!!! If that's not next level banking service I don't know what is. Provided a contact for a great local solicitor and got me the loan I wanted with the best interest rate available. Always kept me up to date with the status of where everything was and made the entire process a breeze
Ben Illfeld, Moved from Umina To Woy Woy , NSW
- First Home Buyer

Terry is prompt, professional and personable. As first home buyers, we felt well looked after. Terry had great advice, making the process as smooth as possible and always came through with all that we asked of him. Thank you for all your efforts, we really appreciate it! .....Shan
AND
Terry helped us time and time again by ensuring we felt safe, secure and understood the process of a home loan application. Ultimately, he was able to secure us a home loan that got us our first home!! We had a million and one questions and he always got back to us promptly and kindly. Thank you Terry. We appreciate the countless conversations, advice and patience. ....Keziah
Shan & Keziah, Glenning Valley (formerly Gosford), NSW
- First Home Buyer

Lindsay & Adam, Umina to Morriset, NSW
- Upgrader
Great advice ......Purchasing a house through the COVID period definitely made things difficult and more time consuming than 'normal', but having Terry guide us through the process, providing quality advice, made things less stressful. We found Terry very approachable and very good with communications via phone and mobile which again assisted the process. Thanks Terry, we appreciate all your help and would highly recommend you to our network of friends.

Terry was very professional and helpful considering our complicated financial issues. Also, how wonderful that he could come direct to our home at our convenience. Would recommend.
Melanie Charlton, From Umina now East Gosford, NSW
- Upgrader

THANK YOU EVER SO MUCH for helping me to refinance. Unfortunately, I wasted almost 8 years with my previous bank and I wish I had found Mortgage Choice when I first purchased my house.

Since refinancing, I have been able to get quite far in advance with my home loan and also finally start a savings account for my holiday to Europe. I can see the home loan decreasing at a rapid rate.

Thankyou once again Terry, for all the time that you invested into my refinance. I truly am grateful. This refinance has changed the course of my financial future. I will be mortgage free in my forties, able to travel and even go get that university degree that I've always wanted. You have changed my life!
Melanie, Lakehaven, NSW
- Refinancer

Hayley & Aeden, Ettalong Beach, NSW
- First Home Buyer
Terry, Aeden and I really appreciated your efforts through the whole process of buying our first home, and particularly appreciated you keeping us in the loop throughout. We’re now all settled in and we are so happy with the outcome. Couldn’t have done it without you. Will definitely recommend!

To Terry at Mortgage Choice,

We found the service you offered amazing. My wife and I both work, and trying to actually get to a branch or bank during business hours together is unbelievably difficult. You made it extremely easy by coming to us at a time and place that suited both of us. .....Terry did all the leg work dealing with all the banks and working everything out. He then came back to us with several options of refinancing with a variety of lenders. Now we are refinanced, it has made a huge difference on our lives and freed us up enormously. We are both over the moon.

Thank you Terry.
Peter, Gwandalan, NSW
- Refinancer

Terry Hinchliffe was a very helpful person and he treated me like a person. He understood my needs and respected the fact, I am on a disability pension. Terry respected that I have an elderly father and my loan was to build him a room onto my house, he explained everything completely, helped and did the paperwork, answered all questions and made me feel confident where others had not, other lenders tended to turn you away as soon as they hear pension. I am very happy with the Service of Mortgage Choice and very grateful to Terry and his patients and respect, a wonderful person, I and my father thank you. We wish Terry and Mortgage Choice nothing but success.
Matthew, Lake Haven, NSW
- Upgrader

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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 $15,000 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 $400,000 or less for your block. 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 or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

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.

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Mortgage Broker - Terry Hinchliffe in Central Coast, Woy Woy, Umina

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Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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