Your Local Central Coast Mortgage Broker and Home Loan Specialist for Terrigal, Kincumber, Bateau Bay, Gosford, Erina and Wamberal.

Call: 0414 255 530

Looking for a mortgage broker in the Central Coast area? Find the right loan with Michael Daniels and Philip Cooper, your local Mortgage Choice brokers in Erina.

Call Us Mortgage Choice Erina
Mobile - 0414 255 530
Office - 02 4384 5900

Open Hours Mortgage Choice Erina
Monday - 8 am to 6 pm
Tuesday - 8 am to 6 pm
Wednesday - 8 am to 6 pm
Thursday - 8 am to 6 pm
Friday - 8 am to 6 pm
Saturday - Closed
Sunday - Closed
Free Appointment

Address

425/200 The Entrance Road, Erina NSW 2250

Book an Appointment with Michael Daniels or Philip Cooper

Get Directions to our Central Coast Office

Start your home loan journey today.

My Local Central Coast Property Market Updates:

We service clients across the Central Coast and Lake Macquarie, including:

Property Updates | Mortgage Choice Central Coast

Property Updates | Mortgage Choice Erina

Property Updates | Mortgage Choice Terrigal

Property Updates | Mortgage Choice Gosford

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First-class mortgage broking service aimed at guiding you through the complex world of finance and lending. Michael and Philip are a dedicated team with expertise in residential lending, small asset finance and commercial lending.

Home loans
Investment loans
Refinance loans
Construction loans
Renovation finance
Equity release
Deposit Bonds
Bridging loans
Car and asset finance
Business equipment finance
Commercial property finance
Business loans

What's next?

Call me on 0414 255 530 to book an appointment.
Meet us at our office or at a location convenient to you.
Identify the best options for your unique circumstance.
Relax while we do all the legwork!

Other areas we service

We take the time to understand your circumstances, requirements, and objectives, so that we can develop a sustainably structured loan solution that will work for you now and into the future. We have offices in North Ryde and the Central Coast, and Michael is also fully mobile for your convenience.

What is your borrowing power?

When you're ready to purchase your property, it's important to have a good understanding of how much you can borrow. We understand that determining how much you can borrow for a property can be confusing, which is why we have some excellent resources available to you.

Feel free to check out our easy to use home loan calculators here or get in touch with us to discuss your unique situation.

Ready to start your home loan journey with our help?

Find out for yourself why my customers are so happy. I'll make your next purchase an easy one.

Call us on 0414 255 530 today.

Check your borrowing capacity.

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Erina, Terrigal, Wamberal, Avoca Beach, Bateau Bay, Forresters Beach, East Gosford, Green Point, Kincumber and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with Michael Daniels or Philip Cooper to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call Michael Daniels today on 0414255530 or Philip Cooper on 0459407310.

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

We had an excellent experience working with Michael and Phil. They are incredibly knowledgeable, responsive, and made the entire process feel seamless. They really know the market and took the time to explain all our options clearly, helping us make confident decisions. Nothing was ever too much trouble they were always quick to respond and made everything so easy from start to finish.

Alicia
25 June 2025

I have known Philip Cooper when he was at ANZ Bank Hornsby, he help me with my Home and Investment loan and also my other family members and friends.
When I trying to seek a better interest rate, I reconnected with Philip, I told him my goal and he was very helpful to arrange a better Investment Interest rate on my behalf.
Philip is very professional, polite and helpful I highly recommend him to anyone seeking his services.

Elaine
05 June 2025

Phil has been very very helpful. He guided me with my first home purchase very thorough and answered all of my questions without fail. I'm so happy I found him and I'll make sure to recommend him everyone I know... Thank you

Luga
04 June 2025

Michael was excellent the whole way through our journey to purchase our house. His thorough communication and knowledge always left us feeling calm and reassured during what can otherwise be a stressful process. Very grateful for his expertise and patience

Hayley
29 May 2025

Michael has been amazing with helping us through the process of buying a home as first time home buyers Thank you for all your help, patience, and reassurance, Michael

Kristy
10 April 2025

Went above and beyond, answered every question and offered plenty of advice. Best broker on the coast

20 March 2025

Michael has been excellent throughout the process of purchasing my first home and I highly recommend using him.

Oliver
23 February 2025

This is our 2nd time using Michael and team for our home loan needs. We are very happy with the service provided. Michael is easy to talk to and is a clear communicator, he is knowledgeable about mortgages and is patient and happy to answer questions. We highly recommend Michael's services.

09 December 2024

Phillip Cooper Michael Daniels have been fantastic with our recent refinance. Consistent communication and updates throughout the process from start to finish. Explaining any new requirements that put us at ease which in the past has been a stressful experience.
We will be recommending Phillip Michael to anyone looking for refinancing.

John
29 October 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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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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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.

State / Territorial Revenue Web Sites

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Just me Two of us

Dependants

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PAYG Self Employed

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My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

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.