Repay your mortgage faster and save interest

Repay your mortgage faster and save interest

First Home Buyers

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Pre Approvals

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Property Purchase

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Land Purchase

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Construction, Extensions & Renovations

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First Home Buyers

Buying your first home is an exciting time, but you can also feel like a novice when it comes to loan options. Each state/territory has a different First Home Owner Grant or Scheme in place, so it’s important to understand the eligibility criteria. 

As a First Home Buyer, you may be entitled to a concessional rate of Transfer Duty or even an exemption from paying it at all. This applies to buying an existing home, buying a new home or buying vacant land on which you intend to build a home, and the concession or exemption depends on the value of the house or land you intend to purchase. 

If you’re purchasing a new property in NSW you may also be eligible for:

We’ll help you navigate your loan options and let you know which grants, concessions or incentives you may be eligible for.

 

Pre Approvals

When it comes to buying a home, most people find a property first, make an offer, and then cross their fingers hoping to get approved for the finance they need. 

By getting Pre Approved for your finance before you start house hunting, you take all the guesswork out of knowing how much you can actually borrow. You have a clear idea of what you can afford and have more bargaining power when negotiating a purchase, since agents and vendors know your offer is genuine. 

We can quickly and easily arrange Pre Approval for your finance at no cost to help streamline the purchase process and get you into your dream home faster.

 

Pre Approvals

When it comes to buying a home, most people find a property first, make an offer, and then cross their fingers hoping to get approved for the finance they need. 

By getting Pre Approved for your finance before you start house hunting, you take all the guesswork out of knowing how much you can actually borrow. You have a clear idea of what you can afford and have more bargaining power when negotiating a purchase, since agents and vendors know your offer is genuine. 

We can quickly and easily arrange Pre Approval for your finance at no cost to help streamline the purchase process and get you into your dream home faster.

 

Property Purchase

Buying a property, whether it’s your first home, an investment property or a new owner occupied property, has long been regarded as a sensible way to achieve your financial goals. 

But with so many options on the market, it’s easy to feel overwhelmed and unsure which path to choose. We’re here to make the complicated property purchase process as painless as possible, and explain your options to you in plain English. 

We’ll find the structure that will best meet your goals and give you confidence in what is often the biggest lifetime purchase you’ll ever make.

 

Land Purchase

Once you’ve found your block of land, it’s a common misconception that a Land Loan will be as simple to obtain as a Home Loan. However, some lenders do have additional restrictions on land loans. 

We’ll help you decipher and understand your options and future plans before you make the commitment to buy.

 

Land Purchase

Once you’ve found your block of land, it’s a common misconception that a Land Loan will be as simple to obtain as a Home Loan. However, some lenders do have additional restrictions on land loans. 

We’ll help you decipher and understand your options and future plans before you make the commitment to buy.

 

Construction, Extensions & Renovations

Buying land and building your dream home is a rewarding and sought after goal. However, a Construction Loan is quite different to a Home Loan, and most financial institutions have varying policies in relation to building a home. Even a major renovation or extension of your existing home can require a Construction Loan rather than a Home Loan refinance. 

Constructions Loans commonly have a progressive downdraw, where money is paid at various stages of the build rather than all upfront. 

If you’re building a brand new home or undertaking substantial renovations costing more than $150,000, you may be able to access a $25,000 grant under the Federal Governments HomeBuilder Program 

If you’re a First Home Buyer and looking to purchase a newly constructed dwelling, off the plan dwelling, house and land package, or land and a separate contract to build a new home, you may qualify for the First Home Loan Deposit Scheme 

As experienced brokers, we know the pitfalls and advantages that come with sourcing and managing a Construction Loan, and can walk you through the processes and specific requirements that lenders have.

 

WHY CHOOSE

Central Coast Home Loans

Complimentary

Our financial services are completely free to our clients. Our payment comes from a commission from our lenders when we secure a new loan. While many people assume the additional cost to the lender is passed onto the client, the commission makes absolutely no difference to the great deal you receive.

Simplicity

Our services save you a huge amount of time, hassle and stress. We do all the research, comparisons, and calculations to present you with the best deals available specific to your needs. We explain everything in a way you’ll understand so you’ll feel confident in making an informed decision about your future. 

Certainty

Our advice can be trusted. We value the reputation we’ve built, and love nothing more than seeing you secure the best possible deal for your financial and lifestyle needs. Our team of Directors have years of experience and expertise in the financial industry, and tailor their advice to best suit your needs.

We make the mortgage process easy. Let’s get started.

We make the mortgage process easy. Let’s get started.