Ian Winn Mortgage Broker in Gosford, Central Coast and Newcastle

Call: 0401 240 183

Are you ready to embark on the exciting journey of homeownership?

I understand that finding the right mortgage is a crucial step towards turning your dream home into a reality.

As your dedicated mortgage broker, I am here to guide and educate you through the home loan process and help you make informed decisions.

I am based in Gosford and mobile across the Central Coast and Newcastle regions

Call Us Mortgage Choice Gosford
Mobile - 0401 240 183
Office - 0401 240 183

Open Hours Mortgage Choice Gosford
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
Free Appointment

Address

Suite 101, Level 1, 86 Mann Street GOSFORD, NSW 2250

Latest home loan interest rates

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Comparison rate

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Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Start your home loan journey today

Services

Specialising in residential finance Ian will help you access a loan that can support you achieving your financial future, whether you are a

First Home Buyer
Refinancing
Upgrading your property
Buying an investment property
Seeking funds for renovations
Need a construction loan

Mortgage Choice - Ian Winn

Want to know your borrowing power?

When you're getting ready to purchase 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 home can be confusing, which is why we have some awesome calculators at your disposal.

Feel free to check out our easy to use calculators or get in touch with Ian Winn to discuss your options

Other areas I service

An astute and highly experienced broker who provides a great client experience, Ian delivers great results without the stress.

He provides a mobile service across the Central Coast, Newcastle and Hunter Valley

Gosford
East Gosford
Point Frederick
Erina
Erina Heights
Holgate
Matcham
Wamberal
Terrigal
Avoca

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

Ian was super helpful throughout the entire process from initial enquiry through to applying for the loan and reaching settlement. He is extremely knowledgeable and professional understanding different lenders and loan types. My situation made things complicated, but Ian persisted and came up with a solution. He is also very friendly, easy to talk to, and always willing to answer any questions to ease you... read more

Kersti
23 June 2025

First time buyer and Ian was great. It was a very seamless process from start to finish. Ian and his team were always available for questions, and always checked in to ensure we understood what was happening. I would highly recommend Ian to anyone

simon
13 June 2025

Ian and team provided invaluable guidance throughout our first home purchase. The application process became so much easier having access Ians knowledge and organisation. Highly recommended utilising his services.

Adam
09 June 2025

Ian was very helpful with getting us the best option for our needs, he has great industry knowledge and made it an easy seamless process.

08 June 2025

Ian was recommended to us by a friend.... well what an absolutely amazing recommendation that was. Ian is a an extremely knowledgeable, reliable and kind man who was very helpful with all our questions and queries during the progression of looking and buying our first home leaving now stones unturned.
Thank You We highly recommend Ian.

Renee
29 May 2025

I was referred to Ian by some good friends. From the first phone call to the last and many emails in between Ian was a delight to work with. Ian came across a genuinely interested in my purchase, myself and provided excellent guidance and insights for my lending options. Ian was also very prompt in getting back to me with some novice questions I had and alterations at the 10th hour which I greatly appreci... read more

Matthew
16 May 2025

I worked with Ian Winn from MC very recently in sorting my mortgage loan approval. He helped arrange a competitive interest rate for me. All the way from first introduction with him to the loan approval, Ian clarified my queries and time to time he also shared various helpful information in relation to the mortgage loan. He always explained issues clearly that helped me grasp things properly and make decisions. I am very much pleased working with him.

Nag
14 May 2025

My wife and I were introduced to Ian through a family member and as first home buyers we had no idea what we were doing or what to expect.
Ian and his team at mortgage choice were able to help us navigate such a daunting task and made sure we got the best deal possible.
Thanks to Ians help we were within our own home in 3 months from our first meeting.
We wish we could give more than 5 stars to Ian as his guidance and knowledge made the process so easy.
Thank you Ian

Elliot
13 May 2025

I am an existing client and recently worked with Ian to refinance my home loan, and I couldnt be happier with the experience. Ian reached out as he does on a regular basis and offered to look into refinancing options for me. The mortgage choice team made the entire process smooth, stress-free, and efficient and secured me a great rate that met my requirements.
If youre looking for a mortgage broker who goes above and beyond to get you the best deal, I highly recommend Mortgage Choice Gosford.

Ben
27 March 2025

Excellent and prompt help
Walked us through all stages
Highly recommended

J
14 March 2025

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

Download now

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You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

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The borrowing amount is a guide only. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

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There's a lot to consider when choosing the right loan.

The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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First Home Buyer?

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Total fees:

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Need help with your next home purchase?

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 $30,000 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 $250,000 or less for your block. Concessions are available for vacant land valued above $250,000 and up to $400,000. 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 a new home. You can choose from a house, apartment, townhouse or villa.

You will only be able to claim the FHOG SA if you pay below the following amounts for your home:

Before 14 June 2023: $575,000
After 15 June 2023: $650,000

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.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 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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