Your Central Coast Mortgage Broker
Whether you're buying your first home in Gosford, upgrading to a beachside property in Terrigal, investing in Wyong, or refinancing an existing Central Coast loan, Lend & Loan compares 50+ lenders to find the loan that fits. Our service is completely free.
John Pierre Saliba has 10+ years' experience in mortgage broking and regularly works with Central Coast buyers. Located in Sydney's Barangaroo, the Central Coast is part of our core service area. John understands which lenders favour the region, how to structure loans for coastal properties, and how to navigate self-employment, LMI waivers, and SMSF lending.
The Central Coast offers some of the best value in the Greater Sydney commuter belt. With a house median of $880K, it sits well below Sydney's $1.62M. The region attracts first home buyers priced out of Sydney, sea-changers, and investors seeking better yields. Lender appetite is strong, and several lenders offer competitive rates for Central Coast postcodes.
Home Loan Services on the Central Coast
First Home Buyers
Many Central Coast suburbs fall under the NSW stamp duty exemption threshold of $800K. The $10,000 First Home Owner Grant applies to new homes under $600K. The First Home Guarantee allows 5% deposit with no LMI up to $900K.
Refinancing
On a $700K loan, a 0.5% rate cut saves $3,500/year. If your fixed rate has expired or you haven't reviewed in 2 years, you may be overpaying. A free rate review across 50+ lenders takes 20 minutes.
Investment Loans
The Central Coast offers solid rental yields, particularly in suburbs like Gosford, Wyong, and The Entrance. We structure for maximum deductibility and can assess equity from existing properties in Sydney or elsewhere.
Self-Employed Borrowers
John specialises in alt-doc and low-doc lending for self-employed borrowers. Whether you're a tradie, business owner, or contractor buying on the Central Coast, we know which lenders assess income flexibly and how to present your application for the strongest result.
