Home Loan Experts on the Central Coast

We have a home loan for you.

In a landscape with hundreds of lenders, and thousands of options, how can you be sure you’ll:

Get the right loan for you?
‍Get approved?

It’s simple – talk to the team at Central Coast Mortgages.

We take the time to understand what you want in a loan, then we search out the lenders that will be best placed to help you before recommending the lowest cost or most suitable for your situation.

We don’t charge for this service and we won’t cost you any more than if you walked into your bank.

Whether you’re a first home buyer, upsizing, downsizing, building or investing in Central Coast areas like Saratoga, Erina, Kincumber & beyond, we have a home loan for you.

Our experience is counted in decades; our panel is unique and diverse; our service will put a smile on your face.

Looking for a better deal on a loan?

First home buyer on the Central Coast?

We’ll guide you every step of the way. From helping you to start your savings plan, finding ways to budget, guiding you through the buying and settlement process, helping with accessing the First Home Deposit Scheme, accessing the National First Home Loan Scheme, dealing with mortgage insurers and lenders on your behalf. We are on your side from the day you decide you want a home to the day you pay off your mortgage. And we won’t cost you a thing.

Upsizing, Downsizing, Tree Changing, Sea Changing?

We are here to help you make budget decisions, work out borrowing capacity, find you the next home loan, and organise the discharge of your existing mortgage. As traditional main street lenders wind back their services, we are ramping our service up and find new, lower cost, more efficient, and customer-friendly lenders for you. We can even help with bridging finance if you need it.

Investment Properties on the Central Coast?

Need help working out your equity? Your serviceability? Your tax-effective structure? Want frank, objective, lending advice? We are here to help you on to the next exciting stage of property ownership, even if your current bank won’t. And best of all, our service is complimentary.

Building & Construction Loans

We know home construction inside and out, especially on The Central Coast in areas like Gosford, Saratoga & beyond. For guidance on making sure your building contract complies with the bank’s expectations, borrowing power, and the best construction finance options, we are here through all stages of construction. We even have options for owner-builders.

Vacant Land Finance

Did you know that not all lenders will finance land? We did! Whether you're considering a small block or acreage, we can help navigate the maze of lending policies that exist when you’re buying land.

Low Doc Loans

Yes, Low Doc lending is still available with a range of options available to evidence your income. This is a really complex lending environment. Lucky for you, we know how best to navigate our way to the right lender for you.

Rural Property Loans

When you're lucky enough to call the Central Coast home, of course, you’d love that little big patch of heaven, maybe in places like Erina, Terrigal or Matcham. But will your bank share your enthusiasm? We share your enthusiasm and we know the banks that will share it too. We’ll guide you through the property attributes our lenders are looking for and help you get into your acreage lifestyle dream.

Refinance Your Home Loan

Looking for a better deal? Easier repayments? A lender that is responsive? We are here to help. We’ll take into account the cost of moving, compare that to the cost of staying, hunt down any rebates or special offers, and present you with potentially huge savings.  Find out what we could save you.

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