Peter Swan Mortgage Broker Erina, Central Coast

Call: 0409 965 573

Our Mortgage Choice team located at Erina Central Coast has been providing trusted lending advice and mortgage broking services since 2016. Working closely with each client, we strive to provide an enjoyable and stress-free home loan experience. We calculate clients' borrowing capacity and compare interest rates and products from over 35 lenders. For property investors, I have over 30 years of personal experience as an investor. Whether you are a first home buyer, upgrading, renovating, investing or refinancing, we will guide you every step of the way. We specialise in first home buyer loans with available government schemes that waive stamp duty and LMI. Chat to us today to start your home loan journey!

Call Us Mortgage Choice Erina
Office - 0409 965 573

Open Hours Mortgage Choice Erina
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
Free Appointment

Address

1/30 Karalta Road ERINA, NSW 2250

Latest home loan interest rates

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Start your home loan journey today

Get expert advice

Looking to purchase your first home?
Wanting to refinance and consolidate some debt?
Perhaps purchase that investment loan?
Are you on the best interest rate possible?

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice Central Coast, servicing Gosford, Erina, Terrigal 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 us to discuss your unique circumstances.

Other areas I service

Personalised service and authentic advice from a professional Central Coast Mortgage Broker and property investor who understands the borrowing process and its challenges from your perspective. Peter specialises in working with first home buyers, and anyone wanting to start or grow an investment portfolio.

He is based in Erina and offers a mobile service around the Central Coast.

Erina
Terrigal
Bateau Bay
Kincumber
Green Point
Wamberal
Killarney Vale
Berkeley Vale
East Gosford
Woy Woy

Ready to kickstart your journey to homeownership?

We’ll assist you along the way and do all the legwork for you! Call us today on 0409 965 573

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

Although this was not out first property transaction we sought help from a broker due to a hiccup with our bank and we did not want to make a mistake in the next move, I searched for best rated brokers in the area and found Peter. I called him and he answered straight away, he spoke very professionally and has an abundance of knowledge in the field, previously I have dealt with brokers that play hot pot... read more

Maeve
26 June 2025

Peter Swan was amazing Thank you Peter for getting my pre approval for a home loan done quickly and efficiently. The communication was excellent. Very professional. Highly recommend Peter Swan.

Cecilia
11 June 2025

We were thoroughly impressed with the service provided by Peter at Mortgage Choice Erina. He navigated a complex simultaneous settlement with expertise and professionalism, making the entire process seamless. We wouldnt hesitate to recommend their mortgage broking services to anyone looking for a home loan.

Coastal
07 June 2025

As first-time homebuyers, we were grateful to have Peter guide us through every step of the process. He was always professional and readily provided the advice and information we needed along the way. I highly recommend him to anyone seeking finance.

Shane
05 June 2025

Peter from Mortgage Choice was very helpful throughout the process. He guided me through all the required steps. He was quick to answer any questions. There was nothing I asked he could not help with. Very professional. Excellent service. Highly recommended.

Rodney
27 May 2025

Peter from Mortgage Choice Erina delivered outstanding mortgage broking services. He is consistently reliable, professional, and highly knowledgeable. He kept me informed throughout the entire process, making the application smooth and stress-free. I would highly recommend his services.

Glenda
26 May 2025

As first home buyers, purchasing a home was a daunting experience. However, we were fortunate to find Peter from Mortgage Choice Erina. He was extremely knowledgeable, friendly, professional, and had plenty of time for us and all of our questions. We would highly recommend.

Desiree
02 May 2025

Peter was recommended by a friend and we are so happy we chose Peter as our mortgage broker We are very grateful and could not be happier with the support and guidance we received from Peter at Mortgage Choice Erina for our first home purchase. Peter walked us through every step of, an at times, daunting process. Peter is proactive, professional, and always contactable.

Elise
30 April 2025

I had an outstanding home loan experience with Peter from Mortgage Choice Erina. As a first-time home buyer, I had no idea where to start, but he talked me through the entire process step by step and made everything feel manageable and clear. He was quick to answer my calls and questions, even at times outside regular work hours and kept me updated throughout the process. Peter was extremely professiona... read more

Hayley
29 April 2025

Peter from Mortgage Choice Erina came highly recommended from a friend and did not disappoint. Peter was informative and excellent at what he does. He made the whole process of buying our first home super easy. I highly recommend him to anyone needing finance.

Karley
07 April 2025

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

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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.

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You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

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Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

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.

Value of property

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First Home Buyer?

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Total fees:

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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.