Central Coast Mortgage Broker

Our role as a mortgage broker on the Central Coast is to remove the pain points for home and business owners who are looking to source mortgages and finance. It’s our experience, having worked for the banks for over 23 years, that gives us the edge in sourcing the right finance for our clients as mortgage brokers.

We live, play, work and employ locally – which means we are able to provide you, our Central Coast clients, with a hands-on local approach.

Furthermore, we have been named one of the best mortgage brokers on the Central Coast. Mint Equity’s head office has been recognised for multiple awards, including winning the Best Regional Broker at the 2018 Better Business Awards.

Our services

Our team at Mint Equity assist clients with residential, commercial, business, and SMSF lending. We work with the big four banks and multiple second tier home loan lenders to provide a vast portfolio of products for our clients.

Our Central Coast mortgage brokers can assist you with advice and advocacy with -

First Home Buyer Loan

As a first home buyer, you can access more incentives from the Government to help you with buying your first home, such as avoiding stamp duty. However, you’re also likely to have a lot of questions. At Mint Equity, your home loan broker on the Central Coast has the knowledge to help. As your mortgage adviser, we will assist you with understanding what your borrowing capacity, and what your options are to achieve the best objectives for your financial situation when buying a home.

Refinance

If you’re nearing towards the end of a fixed rate and have some anxiety with rising interest rates, you’re not alone. Fortunately, seeing a finance broker on the Central Coast such as Mint Equity may help free up some equity from your existing loan to reduce the cost of your mortgage. We can also fix a variable rate before interest rates rise any further.

SMSF Loans

Mint Equity has assisted locals as a finance broker on the Central Coast to set up SMSF, from finding an LRBA lender to attaining pre-approval and settling investment purchases.

Commercial Property Loan

As a property investor or as a business owner, you may be interested in purchasing commercial property. These properties hold greater risks but also greater possible returns, so it is important to understand the area. Our mortgage brokers will take you through your options between Central Coast mortgage rates based on your goals to help you secure the best lending position.

Choosing a Home Loan

It can be difficult to understand which is the best Central Coast home loan for you with so many options out there; not just type but lender. As we come with decades of banking experience, our brokers can provide insightful mortgage advice based on your goals so that you are able to secure the finances you need.


BUYING ON THE CENTRAL COAST

The Central Coast, NSW, is not only a stunning place to live, work and play, but the region also holds strong real estate value for investors, developers and homeowners. The Central Coast offers the opportunity to acquire a quality residential property at values substantially lower than in those in Sydney metropolitan areas.

Local Central Coast development and investment are also driving business hubs and employment opportunities in Gosford, West Gosford, Erina, Tuggerah, Wyong, The Entrance and Toukley.

For those who continue to work outside of the Central Coast, premium suburbs within the region enable buyers to enjoy the coast lifestyle whilst still being able to commute to their Sydney employment.


How can our Central Coast Mortgage Brokers help?

Finding a Central Coast mortgage broker who not only knows all the ins-and-outs of home loans, but knows your local area is beneficial as we can help position and mitigate any location based application issues with the lender.

Property valuations are key to the application process and determine the LVR (Loan to Value Ratio) and how much LMI (Lenders Mortgage Insurance) is payable. Working with a local Central Coast mortgage broker gives buyers the confidence that if the property valuation comes in lower than expected, that your broker will always be ready with local knowledge to help mitigate any issues.


Benefits of choosing Mint Equity

  • Our services are free, as we’re remunerated by the lender you select.

  • We have over 20 years experience in finance, including residential, commercial and SMSF lending. So you only need to deal with one person for every loan.

  • We have experience working in credit and understand how credit thinks so we can help you improve your chances of securing approval.

  • We’re with you every step of the way - from your planning and initial thoughts, through the application process to settlement and beyond.

  • We don’t pressure our clients into taking unnecessary products in order to hit targets. That’s not our style.

  • We have personality, energy and are easy to deal with.

Meet the mint equity team


WHAT TO CONSIDER WHEN CHOOSING A MORTGAGE BROKER

Your mortgage broker’s experience is crucial to the success of your loan application.

If their career history is not related to banking or finance, then it’s unlikely they are going to know all the nuances of lending.

Mortgage brokers in Australia must have an Australian credit license or operate under an aggregator’s credit license. They should also be a member of an industry association like the MFAA (Mortgage and Finance Association Australia), the peak industry body for mortgage and finance professionals.

Mint Equity is a full member of the MFAA, which means we adhere to an industry code of practice which sets high professional and ethical standards for members. It demonstrates our integrity, commitment to professionalism, ongoing professional development, and shows we promise to always put our clients first.

Stuck on your next step with your mortgage? Start estimating your mortgage capacity and costs on our calculator.

Central Coast News

Frequently Asked Questions

  • No, we don’t charge our clients fees for our services as we are remunerated by the lender you choose once the loan reaches settlement.

  • We service the whole of the Central Coast and Newcastle region in addition to Sydney. For any clients who are a little off the beaten path, we can arrange a conference call or Skype.

  • We can arrange appointments 7 days a week at a time that suits you and at your preferred location. Our head office is based at Somersby on the Central Coast, or we’re able to meet you at your home, work or even at a café. You can call us on 1300 00 MINT (1300 006 468) to have a chat or book an appointment.

  • There are many online lenders advertising on TV lately and all tell you how ‘easy’ it is to get a mortgage. The reality is that it isn’t easy at all and it’s getting harder and harder. Digital disruption is great in certain industries, but borrowers want to be able to speak to a knowledgeable and experienced person who knows credit policy and lender appetites. Unfortunately, most online options are operated by call centres and lack local industry knowledge. There is no difference in cost between an online home loan comparison site or a local mortgage broker, just the level of experience and knowledge.

  • We have access to over 40 lenders including the major banks and second-tier lenders which provides us with 100’s of products to suit the needs of our clients.

  • Most of the time spent on a mortgage application is collecting all the information. If you are able to provide all the information and supporting quickly, in some cases we can get pre-approval within 24 hours. Mint Equity has priority status with many lenders which enables us to turn around home loan pre-approvals very quickly. However, we would always recommend allowing up to 5 business days to ensure you have enough time to provide all the documentation we’ll need to submit your loan.

  • Whilst it’s not ideal to make offers or exchange contracts before getting finance approved, we know some properties are hard to resist. In those cases we will prioritise and escalate your application through the lender. We have great relationships with our lender panel and can assist us to get urgent approval.