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A guarantor loan can help first home buyers get into the market sooner and avoid Lenders Mortgage Insurance, but it's a real financial commitment for the guarantor too. Here's what both sides need to understand before signing anything.
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Signing a contract isn't the finish line, it's where new risks can appear. From finance falling through to last-minute property changes, here are 4 things that can go wrong between offer and settlement, and how to protect yourself with the right home loan support on the Central Coast.
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Whether you're eyeing the Central Coast, Newcastle, or somewhere else entirely book a call with Katrina and let's work through your borrowing capacity, structure options and what's actually possible for you.
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Katrina at Central Coast Mortgages provides personalised, supportive mortgage advice with a calm and clear approach. She takes the time to understand each client’s full financial picture, connects them with trusted professionals, and follows through with focused determination.
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Katrina’s journey from single mum to property investor and mortgage broker gives her a unique ability to support other single parents navigating home loans after separation. With personal experience and practical strategies, she helps her clients move from financial stress to stability and empowerment.
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A self-employed couple turned financial stress into strategy by refinancing their home loan to pay off ATO debt. With the right structure and advice, they’re now saving $633,000 in interest and cutting 14 years off their loan.
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If you're unsure how much you can borrow or where to even begin, you're not alone. Many buyers, especially in healthcare or buying solo later in life, feel overwhelmed. Understanding your borrowing power doesn’t have to be scary it’s just about knowing what lenders look at and how to position yourself confidently.
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From January 2026, the First Home Guarantee Scheme will become more accessible with the removal of income caps and increased property price thresholds. The government will also invest in continued support for regional and single-parent buyers, and a new Shared Equity Scheme is set to launch soon.
Click here to read the full blog.A young couple with a new baby came to Katrina at Central Coast Mortgages after being referred by their accountant. They wanted to buy their first home but were worried because they didn’t have much saved. Enter Katrina.
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Discover why Green Point on the Central Coast is a top choice for homebuyers. Learn about its lifestyle, amenities, affordability, and how Katrina at Central Coast Mortgages can help you secure the right home loan.
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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 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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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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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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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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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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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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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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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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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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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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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 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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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 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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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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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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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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