Central Coast Mortgages

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Living on the Central Coast, we know the water can be calm one day and completely different the next.Home loans are a bi...
26/05/2026

Living on the Central Coast, we know the water can be calm one day and completely different the next.

Home loans are a bit the same.

Fixed rate: you know exactly what's coming. Same repayment, every month, no matter what the market does. Great for budgeting and peace of mind. The trade-off? If rates drop, you won't move with them and breaking early can cost you.

Variable rate: more room to move. You can make extra repayments, take advantage when conditions improve, and adjust as life changes. But your repayments can shift too, so you need to be comfortable with a bit of movement.

Split loan: a bit of both. Lock in certainty on one portion, keep flexibility on the rest. For a lot of people, it's the sweet spot.

There's no one-size-fits-all answer. The right loan depends on your situation, your goals and what you can comfortably handle if things change.

That's exactly what I love figuring out with my clients 💛

Let's have a chat, I'd love to help you work it out.
📩 [email protected]

Unlike a waterfall, money doesn't just flow to you on its own. But having the right broker in your corner? That helps. I...
19/05/2026

Unlike a waterfall, money doesn't just flow to you on its own. But having the right broker in your corner? That helps.

I work for YOU not the banks.

Get in touch today - [email protected]

Been told no by your bank? That's not the end of the story . Banks have one set of criteria. I have access to a wide pan...
12/05/2026

Been told no by your bank? That's not the end of the story .

Banks have one set of criteria. I have access to a wide panel of lenders, and I work FOR you not them. If you've hit a wall, let's have a chat and explore what options might actually be available to you.

📩 [email protected]

Before I was a mortgage broker, I was a nurse and midwife. Caring about people? That's always been my thing. And when I ...
11/05/2026

Before I was a mortgage broker, I was a nurse and midwife.

Caring about people? That's always been my thing. And when I got into property investing myself, I realised how much the right loan and the right guidance can genuinely change someone's life.

That's why I do what I do. I'm local to the Central Coast, I know this area inside out, and I'm 100% in your corner from first chat to settlement.

I'm Katrina, and I'm here to help. 👋

📍 Serving Gosford, Terrigal, Erina, Kincumber, Saratoga & beyond.
Email: [email protected]

The RBA has lifted the cash rate to 4.35%, and most lenders are expected to pass it on. I'm not going to pretend that's ...
05/05/2026

The RBA has lifted the cash rate to 4.35%, and most lenders are expected to pass it on. I'm not going to pretend that's not a tough pill to swallow because if you've got a mortgage, your repayments are likely going up.

But here's the thing this is exactly the moment to have a conversation. And I genuinely love this kind of conversation. 🙋‍♀️

Here's what I can help you look at:
✅ What this rate change actually means for your repayments
✅ Whether your current lender is still working hard enough for you (loyalty doesn't always get rewarded and I'll find out)
✅ Options like offset accounts, redraw facilities, or adjusting your repayment structure that could make a real difference

I'm local & I live and work right here on the Central Coast, from Gosford to Terrigal, Erina to Saratoga. I know this community, and I work for you, not the banks.

If you've been feeling uncertain about where you stand, please reach out. Let's have a look together. 💪
📧 [email protected]

03/05/2026

Heading into May like..... 😆

What a year so far 😅

If you're looking for a home loan and needing someone in your corner, I'd love to be that someone! Get in contact today - [email protected] or call 0459 578 730

01/05/2026

What happens when your offer on a home is accepted?

Welcome to the last First Home Friday!

If you're looking to buy your first home, get in touch, I'm a First Home Coach with Sunlight Lending. I'll talk you through the process step by step. Get in touch - [email protected]

28/04/2026

3 reasons to use a mortgage broker instead of going straight to your bank

1️⃣ We compare dozens of lenders, not just one
2️⃣ We work for you not for the bank's bottom line
3️⃣ We handle the research, paperwork and follow-up so you don't have to

If you're looking for a home loan or looking to refinance, get in contact today - centralcoastmortgages.com.au 💚

Let’s be honest, the cost of living has been creeping up everywhere lately. Between fuel, groceries and everyday bills, ...
26/04/2026

Let’s be honest, the cost of living has been creeping up everywhere lately. Between fuel, groceries and everyday bills, a lot of families are starting to feel the squeeze.

One thing I often remind people is that your home loan shouldn’t just sit in the background for years without a check-in. For most households it’s the biggest expense each month, so it’s worth making sure it’s still working for you.

Sometimes a simple refinance can help secure a better rate, lower repayments or just give the household budget a little more breathing room (which we could all use right now!).

While some people wait for things to feel a bit more certain, others use times like this to take a fresh look at their finances and see what opportunities might be there.

If it’s been a while since you reviewed your home loan, I’m always happy to have a chat and see if there’s something better out there for you.

And if we can free up a little extra cash in the weekly budget… well, that’s never a bad thing...

Get in touch today - [email protected]

Today we pause to remember those who served and those who never came home.Lest we forget. 🌿
24/04/2026

Today we pause to remember those who served and those who never came home.

Lest we forget. 🌿

Address

Davistown, NSW

Opening Hours

Monday 9am - 3pm
Tuesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 3pm

Telephone

+61459578730

Website

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