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 you through the home loan process and help you to make informed decisions.

I am based 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 1/86 Mann Street GOSFORD, NSW 2250

Latest home loan interest rates

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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

Would highly recommend using Mortgage Choice Gosford. The service received by Ian and his team was first rate and very professional, but at the same time very empathetic and understanding of our situation and navigating the process. Ian went above and beyond in explaining everything, making sure all t's were crossed and i's were dotted and achieving a successful result.

Michael
22 August 2024

We had a fantastic result for the purchase of our first home thanks to Ian.

Ian was incredibly patient, as it took us over three years to purchase. His professionalism and expertise made the process easy - we couldn't have done it without him. He also found the best mortgage option for us.

Thank you again Ian We will be sure to recommend you to friends and family

James and Tim

Tim
28 July 2024

Im a first home buyer and Ian was great with his expertise to get me approval from my first home. I had a uniquely strange complications when applying but Ian had guided me through it all for a great outcome. Highly recommend

Luke
22 July 2024

Ian has been incredible throughout my journey of buying my first home. He works very hard and is a very knowledgeable and professional person who found me the best deal possible. He was always reliable and always understanding and patient answering all of my questions. I highly recommend Ian and his team and trust that they will help you acquire your dream home just like they helped me with mine.

Cherie
17 July 2024

We knew we were being looked after. Ian had been with us from the beginning of our house-hunting journey. He kept us updated with any changes or ideas he had to help us secure our first loan. He never hesitated to answer a phone call or our first home buyer questions. Ian made sure we were being looked after throughout the entire process.

Will
16 June 2024

Ian is great and actively saved us money by achieving lower rates.

Daniel
08 May 2024

Ian and Mae were very helpful and extremely patient with us in keeping everything organised the many months it took for us to find our dream property. Would recommend Mortgage Choice. Thanks again

Belinda
17 April 2024

Very thankful for all of Ians help throughout the borrowing process. He was very supportive and explored all avenues promptly to give us the best possible outcome for what we wanted and needed.

Ashley
15 April 2024

Ian and his team helped us purchase our second home, he went above and beyond, always available to answer any question and explained the whole process from start to finish keeping us updated every step of the way, communication was second to none.
We had a really quick settlement over Xmas and Ian made sure that everything was ready to go by settlement day, keeping us updated every step of the way.
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Kristy
08 February 2024

Ian was fantastic at guiding us along the way with our new loan. Answering any of our queries promptly, and providing updates as things progressed was very helpful. We can highly recommend his expert service.

Joanne
08 February 2024

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

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/ month
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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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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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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.