Home Loan Experts on the Central Coast

We Have a Home Loan for You.

There are hundreds of lenders and thousands of loan options out there. Finding the right one doesn’t need to feel overwhelming.

You just need the right team beside you.

At Central Coast Mortgages, we take the time to understand what’s important to you. Once we know what you're looking for, we compare options from a panel of lenders to match you with the most suitable loan, whether that’s based on cost, features, or flexibility.

We’re locals, helping first home buyers, growing families, investors and retirees secure central coast home loans in areas like Erina, Kincumber, Saratoga and surrounds. We also assist with Newcastle home loans for those moving north or buying an investment.

With decades of experience in the mortgage industry and Katrina’s personal journey as a seasoned property investor, our team brings more than just knowledge, we bring lived experience. We know what it’s like to be on both sides of the settlement table.

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Looking for a better deal on a loan?

First Home Buyers on the Central Coast or in Newcastle

If you're just starting out, we’ll help you build confidence with every step, from saving for a deposit to settlement day and beyond.

We’ll look at your borrowing power, explain the process clearly and help you understand what support might be available to you, such as the First Home Guarantee or stamp duty concessions.

We deal directly with lenders and mortgage insurers on your behalf, so you don’t have to. If you’re looking for central coast home loans or Newcastle home loans, we’re the team who’ll walk beside you the whole way.

Upsizing, Downsizing, or Making a Sea Change?

We know life changes and your loan should change with you.

Whether you’re planning a big move, starting fresh, or chasing a quieter lifestyle, we’ll help you budget, calculate borrowing capacity and manage the transition smoothly. If you’re buying before selling, we can help with bridging finance, too.

While traditional banks scale back their service, our central coast mortgage broker team is growing—bringing flexible, customer-friendly lenders to your doorstep.

Investment Loans

Katrina has walked this path herself... more than once. As a seasoned property investor, she knows what it takes to grow a portfolio that performs.

If you’re looking to invest—either locally or in Newcastle—we can help you make confident decisions around equity, structure, and cash flow. You might be surprised what your current property makes possible.

Even if your current bank says no, we’ll do the legwork to find a lender who says yes. Our advice is honest, and our service is free.

Construction Loans

Building your dream home? We’re here to guide you from the blueprint to the final drawdown.

We’re experienced with construction finance on the Central Coast, including in Gosford, Saratoga and surrounds. Whether you’re working with a builder or taking the owner-builder path, we’ll help make sure your plans, contract and budget align with lender requirements.

Vacant Land Loans

Not all lenders finance land—especially larger blocks or acreage. We know the policies and pitfalls, and we’ll help you secure the right loan so you can secure the right land

Low Doc Loans

Yes, low documentation loans are still available and yes, we know who offers them and how to present your application to give it the best chance.

If you’re self-employed or can’t provide traditional income documentation, we’ll guide you through what you can provide and which lenders will accept it.

Rural Property Loans

If you're dreaming of acreage in Matcham, Terrigal, Erina or beyond, we’ll help you navigate rural lending criteria. Not every lender supports rural property but we know which ones do, and how to meet their requirements.

Refinance Your Home Loan

Is it time to review your home loan?

We’ll help you assess your options comparing your current loan to what’s available on the market. If switching makes sense, we’ll manage the process from start to finish. If not, we’ll let you know that too.

We’ll also look for any cashback offers or rebates to help with the cost of switching.

Let’s find out what you could save.

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If you’re ready to take the next step or just want to understand your options, we’re here when you’re ready.

Work with a central coast mortgage broker who’s been in your shoes, who’s built wealth through property, and who genuinely cares about helping you do the same.

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