Key Changes to NSW Rental Laws
Understand the 2024 NSW rental law changes, including rent caps, pet rules, and lease termination updates. Stay informed with Central Coast Mortgages.
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Central Coast Mortgages Loan Tools
Use our loan calculators and read up on all the latest news, tips & finance insights.
Loan CalculatorsLoan Insights
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Home loan calculators, budgeting tools and more.
- How much can you borrow?
- What will your repayments be?
- How much do I need to put aside to get my deposit?
- How do can I set up and retain a budget?
- How soon can I pay off my loan?
The answers to all of these questions lie in these easy to use calculators.
Read all the latest news, tips and insights in the Central Coast Mortgages blog.
Building Tips: Don’t Overlook These Common Exclusions
Building a new home? Avoid unexpected costs by knowing common building exclusions like driveways, landscaping, and insect screens. Central Coast Mortgages helps you secure the right construction loan and plan for these extras.
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Building Variations: What You Need to Be Prepared For
Building variations can increase construction costs. By planning for these potential variations in advance, you can ensure they are included in your loan. At Central Coast Mortgages, we help clients prepare for such changes.
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Key Steps to Finalising Your Construction Loan
Before your lender releases the final payment for your home or renovation, three steps are required. Central Coast Mortgages works with your lender to ensure everything runs smoothly. Learn more about how we support you through each step of your homeownership journey.
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Is Chittaway Bay the Ideal Lifestyle Destination for You?
Experience the tranquil charm of Chittaway Bay, a peaceful waterside community with all the conveniences close by. With homes selling quickly, it's a good idea to chat with a mortgage broker early. Reach out to Katrina at Central Coast Mortgages for some friendly advice.
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Why You Should Work with Katrina from Central Coast Mortgages
With a background in nursing, a personal journey as a property investor, and a passion for helping those who might otherwise feel overlooked, Katrina brings a unique, compassionate approach to mortgage broking.
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The Benefits of Refinancing Your Mortgage: Is Now the Right Time for Central Coast Homeowners?
If you’ve been paying off your home loan for a while now, you might have heard about mortgage refinancing and wondered whether it’s something worth considering. Refinancing your mortgage can offer some real advantages, especially if you’re looking to lower your monthly payments, secure a better interest rate, or tap into your home’s equity.
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A Comprehensive Guide to First-Time Home Buying on the Central Coast
Buying your first home on the Central Coast is an exciting journey filled with opportunities. By preparing financially, understanding the local market, and working with professionals like Central Coast Mortgages, you can navigate the process with confidence.
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Why Use a Mortgage Broker? Key Reasons for Choosing a Central Coast Mortgage Broker
Choosing a Central Coast mortgage broker, can make all the difference in your home buying journey. They offer expert guidance, access to a wide range of lenders, and personalised service that saves you time, money, and stress.
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Using Home Equity to Invest on the Central Coast
The equity built up in your Central Coast property in places like Saratoga, Kincumber, Terrigal, Gosford, Erina and Davistown could be invested in shares, exchange-traded funds (ETFs), and managed funds, potentially opening the door to long-term wealth creation.
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Understanding Equity: Your Key to Financial Opportunities
Unlock the potential of equity in your property to grow your wealth and achieve your financial goals. Learn how equity works, how lenders calculate it, and discover the myriad of possibilities it offers, from property investment to renovations and more. Start leveraging your equity today for a brighter financial future.
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The art of successfully negotiating a property purchase price on the Central Coast
Navigate the delicate art of negotiating property prices with confidence. From market research to building rapport with sellers, learn the crucial steps to secure a better deal on your dream property.
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Upsizing By Adding on
Consider upsizing your home through renovation rather than adding on, but be prepared for potential challenges and expenses; assess your property's current value, outstanding mortgage, budget, and the nature of the renovations, consulting with a mortgage broker to explore suitable loan options and approval processes before initiating the project.
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Bridging Finance - Is this the right option for you?
Bridging finance is used when buying a new home before selling the existing one, with a lender placing a mortgage on both properties. While it allows securing the desired home, risks include higher interest rates, potential cash flow strain, and the need to refinance if the current lender doesn't offer bridging loans.
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Four Reasons to Buy & Sell in Winter
Discover the unique advantages of buying and selling real estate during the winter months in Australia. Reduced competition, increased seller commitment, and the evolving nature of the real estate market that make this season a perfect opportunity for both buyers and sellers.
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RBA to Update Cash Rate Process - 8 Meeting instead of 11
RBA has agreed to implement the 10 recommendations and provides a summary of each decision. These include changes to the frequency and format of board meetings, the release of statements and reports, and the oversight of research and climate change analysis. The Treasury is expected to make a decision on the reappointment of RBA Governor Philip Lowe, whose term ends in September.
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The Importance of a Building Inspection: Protect Your Investment
By uncovering hidden defects, ensuring safety and compliance, aiding in budgeting and financial planning, and providing negotiation power, a building inspection empowers you to make an informed decision about your property purchase.
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Top Reasons to Use a Mortgage Broker for Your Home Financing Needs
Buying a home is a significant financial decision, and finding the right financing is crucial. With the complexities of the mortgage market, enlisting the help of a mortgage broker like Central Coast Mortgages can be a game-changer
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It’s time we talked about your credit card…..
For every $1,000 limit your credit card has, the banks will generally assume you need to make a repayment of $38 each month. A $1,000 credit card reduces your borrowing power by between $6,500 and $7,000. So, a $10,000 credit card drops your borrowing power by between $65-70,000!
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