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  • Writer's pictureJared Mullane

Top 5 best mortgage brokers Central Coast

Updated: 2 days ago

Searching for a mortgage broker to take care of your home loan on the Central Coast?


We round up five of the top mortgage brokers on the NSW Central Coast, complete with a list of services, awards and more. Whether you’re purchasing your dream home or refinancing, we’ll show you how to narrow down your search by asking the right questions.


Who are the best mortgage brokers in Central Coast, NSW?

A female mortgage broker on the phone to a client in an office

The best mortgage brokers in Central Coast will offer trusted guidance and support throughout the process of securing a home loan. Beyond simply facilitating transactions, your broker should possess a deep understanding of the mortgage market and use their expertise to recommend products based on your needs.


Here are five of the top brokers in Central Coast:

1. Sphere Home Loans

Sphere Home Loans provides mortgage options from an extensive panel of lenders, giving borrowers access to 800 loan products, including from the major banks. The broking firm has a team of award-winning mortgage brokers and lending specialists who help find you the right borrowing strategy aligned to your situation. According to Sphere Home Loans, its mortgage experts will guide you through all the steps, save you money and structure your loan to work toward your goals.


Specialises in:


Lender panel: 60+ lenders


Years in operation: 10+ years


Awards & recognition: 


  • AMA Awards 2024 - Nextgen Broker of the Year (Regional), Excellence Awardee, Joseph Carroll

  • Finalists in the AFG Broking Awards the past 7 consecutive years

  • The Adviser Top Regional Office 2019


Google review rating: 5 stars (based on 211 reviews) 


Contact:


  • Phone: (02) 4334 7077

  • Email: Submit an online enquiry via the Sphere Home Loans website

  • Address: Office 205. 1 Bryant Drive, Tuggerah, NSW 2259

  • Website: https://www.spherehomeloans.com.au/


Business hours: Mon-Fri, 9am - 5pm


Onsite/online appointments: Yes

2. Universal Mortgage Experts

Universal Mortgage Experts (UME) is a leading finance brokerage on the Central Coast led by Nathan Aird. UME has assisted thousands of clients in purchasing their first or dream homes, investing in the property market, or reviewing existing mortgages to pay off the loan faster. Additionally, Universal Mortgage Experts offers asset finance and provides solutions for both general and personal insurance.


Specialises in:


  • Home loans

  • First home buyer loans

  • Building loans

  • Refinancing

  • Investment loans


Lender panel: Details not listed on website


Years in operation: 10+ years


Awards & recognition: 


  • AFG Broker Awards 2023 Winner - NSW/ACT Regional Broker of the Year, Nathan Aird

  • AFG Broker Awards 2022 Winner - NSW/ACT Best Broker Group < 5 Loan Writers

  • AFG Broker Awards 2019 Finalist - NSW Broker Group of the Year

  • AFG Broker Awards 2019 Finalist - NSW Broker of the Year, Nathan Aird

  • AFG Broker Awards 2019 Finalist - NSW Broker of the Year (Insurance), Nathan Aird

  • AFG Broker Awards 2019 Finalist - NSW Regional Broker of the Year, Nathan Aird

  • AFG Broker Awards 2019 Finalist - NSW Regional Broker of the Year


Google review rating: 5 stars (based on 151 reviews)


Contact:



Business hours: Mon-Fri, 9am - 5pm


Onsite/online appointments: Yes

3. Mint Equity Central Coast

Mint Equity’s Central Coast office in Erina is a multi award-winning independent mortgage broker business. Under the leadership of founder and finance broker Zac Peteh, Mint Equity Central Coast boasts a team of seasoned professionals who have helped a wide range of borrowers in securing finance for their next property. Mint Equity Central Coast says it can help you improve your chances of securing approval and will be there every step of the way.


Specialises in:


  • Home loans

  • First home buyer loans

  • Refinancing 

  • Low deposit loans

  • SMSF loans


Lender panel: 40+ lenders


Years in operation: 7+ years


Awards & recognition: 


  • MPA’s Top 100 Mortgage Brokers 2022, Zac Peteh

  • Better Business Awards 2018 Winner - Best Regional Broker


Google review rating: 5 stars (based on 138 reviews)


Contact:



Business hours: Mon-Fri, 8:30am - 5pm (after hours and weekends by appointment)


Onsite/online appointments: Yes (onsite by appointment)

4. Mortgage Choice Erina

Mortgage Choice Erina says it’s enthusiastic about helping you realise your home loan dreams within the growing Central Coast region. With more than two decades of experience, the team at Mortgage Choice Erina have assisted numerous clients in achieving their property aspirations. The brokerage operates as a franchise under Mortgage Choice, which is owned by the REA Group, a prominent Australian online conglomerate that also owns realestate.com.au.


Specialises in:


  • Home loans

  • First home buyer loans

  • Refinancing

  • Investment loans

  • Renovation loans


Lender panel: Details not listed on website


Years in operation: 10+ years


Awards & recognition: 


  • MFAA Young Gun of the Year (Franchise) 2021 Winner - Luke Whitbread, Mortgage Choice Erina NSW

  • Best Young Broker Under 35 Winner, Australian Mortgage Awards 2021 - Luke Whitbread

  • Best Young Broker Under 35 Finalist, Australian Mortgage Awards 2020 - Katie Dowton


Google review rating: 4.9 stars (based on 144 reviews)


Contact:



Business hours: Mon-Fri, 9am - 5pm (after hours by appointment) 


Onsite/online appointments: Yes

5. AAP Finance Brokers Erina, Central Coast

AAP Finance Brokers Erina, Central Coast has an award-winning team of finance brokers who have access to a range of competitive products. According to the broking firm’s website, AAP Finance Brokers Erina, Central Coast ‘will consider your circumstances, timeframe, and credit you are seeking, along with insight into financial market trends’. Given its extensive panel of lenders, APP Finance Brokers Erina, Central Coast claims to offer over 2,000 products.


Specialises in:


  • Home loans

  • First home buyer loans

  • Self-employed home loans

  • Investment loans

  • SMSF loans


Lender panel: 60+ lenders


Years in operation: 10+ years


Awards & recognition: 


  • AFG Excellence Awards 2023 Finalist - Top 25 NSW

  • AFG Commercial Broker Group of the Year 2023 Finalist - Top 5 Nationally


Google review rating: 5 stars (based on 72 reviews) 


Contact:



Business hours: 


  • Mon-Fri, 8:30am - 5:30pm

  • Sat, 8:30am - 11am


Onsite/online appointments: Yes


How to find the best mortgage brokers in Central Coast

Finding the best Central Coast mortgage broker will require a little bit of homework. Here’s how you can begin your search:


  • Explore company websites and individual broker profiles to check previous client reviews.

  • Seek recommendations from friends, family or colleagues, particularly if they’ve recently engaged a local broker. 

  • Reach out to your preferred mortgage brokers to initiate discussions about your requirements, and assess their communication style.

  • Select a broker who offers dependable advice tailored to your circumstances and financial goals. 

  • Lastly, inquire about their payment structure (typically a broker earns a commission, but some may charge upfront fees) to ensure transparency.


Your broker should know the Central Coast property market

An aerial view of properties in Gosford, Central Coast

In recent years, the housing market on the NSW Central Coast has seen steady growth in property values, driven by rising demand from both local residents and migration from those relocating from Sydney. Despite being a consistent market during the pandemic, some areas have witnessed a slump in prices, including Forresters Beach, where the median value had dropped year-on-year by 11.4% in 2023, as reported by realestate.com.au.


This means it’s essential your mortgage broker knows the Central Coast property market like the back of their hand. Moreover, your broker should have a good understanding of which suburbs are performing, whether it be through property reports or past client experiences.  


Your broker should also be across the property transaction regulations, including transfer duty rates, as this can affect your borrowing needs. Furthermore, they should be on top of any government grants or incentives for particular borrower types, such as first home buyers. 


Finally, a quality mortgage broker who’s based on the Central Coast may be able to access local lenders’ products – potentially ones that online brokers without a local presence won’t be able to offer.


5 key questions to ask Central Coast mortgage brokers

Once you’ve done your research, weighed up the pros and cons of using a broker, and are ready to proceed with their services, it’s crucial to ask the following questions:


  1. How many lenders do you have access to? Mortgage brokers typically work with a range of lenders, including banks, credit unions, and specialist lenders. Make sure they have a healthy selection of lenders to maximise your options for loan products.

  2. How do you recommend loans and lenders? Brokers in Australia must be licensed and adhere to the ‘Best Interests Duty’, ensuring recommendations prioritise the client’s best interests over those of products or lenders offering higher commissions.

  3. Do you charge any fees for your services? Most brokers do not charge upfront fees; instead, they earn a commission from the lender you select upon settlement. However, it’s worth confirming, as some brokers may charge fees for unique situations, such as clients with bad credit. 

  4. Is a low interest rate the most important consideration? A reputable broker will discuss all aspects of the home loan, including the interest rate, fees, terms, redraw facilities, and offset accounts, to provide a clearer understanding of what you’re signing up to. 

  5. How long does pre-approval take? The timeframe for pre-approval usually depends on your lender, but seasoned brokers, familiar with how lenders operate, should be able to offer an estimated timeframe.


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Disclaimer: The mortgage brokers presented on this page are based on research carried out by our experts at the time of writing. We are not making a recommendation about any particular brokers. Please use this information as a guide only, and do your own research before engaging with a mortgage broker.

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