Terry Hinchliffe

Central Coast Mortgage Choice - Terry Hinchliffe call 0459 487 396

Woy Woy to Wyong and across the Central Coast. I can come to you or we can meet on-line. After hours and weekends too. I'll find the right loan from over 30 different lenders. Call me for a preliminary chat or an appointment on 0459 487 396.

Call Us Mortgage Choice Empire Bay
Office - 0459 487 396

Open Hours Mortgage Choice Empire Bay
9AM to 6PM Mon- Fri
9AM to 3PM Sat
Free Appointment

Mobile Broker

Servicing the entire Central Coast. I'll meet with you over a coffee, by phone or on-line.

Latest home loan interest rates

Starting from

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Comparison rate

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Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

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Comparison Rate

Lender

Interest Rate*

Comparison Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Start your home loan journey today

Hi I'm Terry Hinchliffe, your Central Coast, Mortgage Choice, Mortgage Broker.

I'm passionate about living on the Central Coast, it's beaches, waterways, its national parks and of course, the easy going lifestyle.

I'm also passionate about helping people to secure their home loan to meet their needs at a competitive rate. Call me on 0459 487 396 to discover how competitive your first, or next, home loan can be.

6 ways I can streamline your Central Coast home loan

Choosing the right Central Coast home loan can be difficult, and it’s my job to make it easy for you.

Experience – I can answer all your questions about the home loan process, and I take the time to understand your home loan needs.

Local knowledge – I can find the right Central Coast home loan best suited to your lifestyle, from 20 different lenders including some of Australia’s biggest banks.

A great deal that’s right for you – As I work closely with home loan lenders on the Central Coast, I always aim to secure the best possible deal for you.

Simplicity – I’ll complete the loan paperwork on your behalf, leaving you free to find your Central Coast dream home.

Convenience – I know you’re busy, that’s why I can meet at a time and place that suits you – including after hours, right across the entire Central Coast

We don’t charge to find the right loan for you. We are paid by the lender once your loan settles. In some limited circumstances we may charge a fee, which would be discussed with you before proceeding.

I specialise in:

Central Coast first home buyer home loans (and First Home Owner Grant eligibility).
Refinancing your existing Central Coast home loan.
Central Coast investment property loans.
Deposit bonds on the Central Coast.
Using your Central Coast home equity to renovate or invest.

Terry Hinchliffe, Central Coast mortgage broker. Mobile 0459 487 396.

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

Terry has been amazing working around with us. We have so many changes in our application process which he has thoroughly studied and helped us get through it all. He is very thorough and great in what he does. We are now officially first home owners in Niagara Park, NSW Thanks to Terry

Goldamyrh
29 July 2024

I cannot recommend Terry enough to help with your home loan application. He went above and beyond for everything to help us buy our first home. Very knowledgeable and was very easy to work with.

Chloe
08 May 2024

Terry got us into our first home and couldn't be more helpful
Really great guy and knows his stuff
Thanks Terry

Matheson
08 May 2024

Terry is a very professional, friendly and honest Mortgage Broker who always answered my queries promptly and got me the best rate. Pre approval was so fast. Im so happy with my house purchase in Umina. I would recommend Terry to anyone for all your home loan or Financial needs.

Steve
23 March 2024

Many thanks Terry for doing such a great job on my mortgage recently. I appreciate you went above n beyond and made the whole process very easy for me. Wouldn't hesitate to use your services again, thanks.

Ewen
07 February 2024

Terry is amazing
He went above and beyond to help refinance my mortgage within very tight deadlines over the crazy ChristmasNew Year period. Nothing was too much trouble. Terry was happy to meet face-to-face and take calls outside of normal business hours. He calmly answered every one of my questions while coordinating responses to the banks' numerous requests for additional information. His suppo... read more

Adrian
24 January 2024

Mortgage Choice were terrific. Terry refinanced our 2 investment loans and we are now saving 460 per month. The loans were only small, but Terry had them combined so that we qualified for a 3,000 cashback for refinancing. I highly recommend Terry for refinancing.

Willard
29 September 2023

Terry was excellent. From his first meeting us after hours at our house to obtaining a First Home Buyers gurarntee from the government. It was very reassuring to have his professionalism and guidance to buy our first home. Thank you Terry.

Daisy
07 September 2023

Terry did an amazing job Despite my contract job causing loan rejection, he found a bank and loan that saved the day. Forever grateful

Audrey
01 August 2023

I highly recommend Terry from mortage choice to anyone looking to secure a mortage. I was also referred to him by a friend. I am first home buyer and had very limited knowledge about the process. We explored many options and we found a good lender for a low interest rate. The whole process was smooth, well communicated and i was kept up to date every step of the process. Overall service 1010 with prompt responses and highly recommend.

Audrey
21 June 2023

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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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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.

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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.

Click here for more information on the WA First home Owner Grant.

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