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Mortgage Broker Point Clare

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Point Clare Market, October 2026

Median house$1.16M
Median unit$940K
12-month growth+10.5%
Median rent$730/wk
Gross yield3.7%
Days on market30 days
Point Clare Property Market

Market data: October 2026 (CoreLogic) · Page reviewed: October 2026 · Reviewed by John Pierre Saliba, Director and Mortgage Broker, MFAA Accredited

Market Snapshot, October 2026

Point Clare · Central Coast · Population ~2,800

Median House Price
$1.16M
+10.5% annual
Median Unit Price
$940K
Strong demand
Median Weekly Rent
$730/wk
3.7% gross yield
Days on Market
30 days
Active market

Data sourced from CoreLogic/Cotality, ABS, and publicly available records. Figures are indicative. Market data as at May 2026. Markets move; contact Lend & Loan for current figures. Page reviewed October 2026.

Your Local Point Clare Mortgage Broker

Lend & Loan is a top-rated mortgage broker serving Point Clare, Central Coast with 80+ five-star Google reviews. We compare 50+ lenders for free. Point Clare's median house price is $1.0M. First home buyers and refinancers welcome. Call 02 8046 3933.

Whether you're buying your first home, upgrading, investing, or refinancing in Point Clare, Lend & Loan compares 50+ lenders to find the loan that fits your situation, completely free.

John Pierre Saliba has 10+ years' experience in mortgage broking across Australia, with deep knowledge of the Central Coast market. He understands which lenders favour Point Clare properties, how to structure loans for maximum borrowing power, and how to navigate complex situations like self-employment, LMI waivers, and SMSF lending.

John's lending insight: Point Clare

Point Clare offers accessible entry into the Central Coast's property market at $1.0M median. Many buyers qualify for government schemes including the First Home Guarantee (5% deposit, no LMI up to $900K). Comparing 50+ lenders ensures the strongest rate and structure.

Home Loan Services in Point Clare

First Home Buyers

Units start around $940K, within the stamp duty concession threshold. First Home Guarantee allows 5% deposit with no LMI up to $900K. A $940K unit requires just $31K deposit under this scheme.

Refinancing

On a $800K loan, a 0.5% rate reduction saves $4,000 per year. If your fixed rate has expired or you have not reviewed in two years, you may be overpaying. A free rate comparison across 50+ lenders takes 20 minutes.

Investment Loans

Houses grew +7.0% in 12 months with strong rental demand. Units at $940K offer 3.5% yields. We structure for maximum deductibility and consider interest-only periods for investors.

Self-Employed Borrowers

John specialises in alt-doc and low-doc lending for self-employed borrowers in Point Clare. Whether you are a business owner, sole trader, or contractor, we know which lenders assess income flexibly and how to present your application for the strongest result.

Suburb Profile: Point Clare

Point Clare (2250) is a well-established suburb in the Central Coast region. With a median house price of $1.0M and units at $940K, it offers a mix of housing options. Population approximately 3,500, with +7.0% annual growth and median rents of $540/wk. The suburb features good transport links and local amenities, making it popular with owner-occupiers and investors alike.

Free Tools

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Our Services

Every Loan Type Covered

Home Loans

Owner-occupier loans across 50+ lenders. The right rate, features, and structure.

First Home Buyer

5% deposit schemes, $10K FHOG, stamp duty exemptions, guarantor loans.

Refinancing

Free rate review, compare your current loan against 50+ lenders in 20 minutes.

Investment Loans

Interest-only, equity release, portfolio structuring for property investors.

SMSF Loans

LRBAs for residential and commercial property. Tax-effective when structured right.

Self-Employed

Low-doc, alt-doc, BAS-based assessment. Banks say no, we find who says yes.

Thinking of Refinancing in Point Clare?

Most Point Clare homeowners have never been shown what their loan should cost today. John compares your current rate against 50+ lenders for free, requests a reprice from your existing bank, and only recommends switching when the numbers genuinely work in your favour, subject to lender assessment.

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FAQs

Buying in Point Clare, Common Questions

What is the median house price in Point Clare?
The median house price in Point Clare (2026) is $1.0M, with annual growth of +7.0%. The unit median is $940K. Source: CoreLogic/Cotality, reviewed May 2026. Contact Lend & Loan for current market advice.
How much deposit do I need to buy in Point Clare?
House $1M: 20%=$232K, 10%=$116K, 5%=$58K. Units $940K: 20%=$188K, 10%=$94K, 5%=$47K. A major Tier-1 lender's prestige postcode waiver or profession waiver may eliminate LMI.
Can I get an LMI waiver in Point Clare?
Depending on the postcode, Point Clare may qualify for a Tier-1 lender location LMI waiver. John can confirm eligibility for your specific address.
How long does approval take for a Point Clare property?
Pre-approval typically takes 2–5 business days. Formal approval after exchange is usually 5–15 business days. John expedites by ensuring documentation is complete and choosing the right lender for Point Clare properties from day one.
Is using a mortgage broker free?
Yes, 100% free. We're paid a commission by the lender when your loan settles. There are no upfront fees, no consultation fees, and no hidden charges. Under the Best Interests Duty, we're legally required to recommend the loan that's best for you.

People Also Ask About Point Clare Home Loans

Is it worth using a mortgage broker in Point Clare?
Yes. A mortgage broker compares 50+ lenders for free, saving you time and often securing lower rates than going directly to one bank. In Point Clare, where the median house price is $1.0M, getting the right loan structure can save tens of thousands over the life of the loan. Lend & Loan is MFAA accredited (ACL 511092) and there is no cost to you.
How much can I borrow to buy in Point Clare?
Borrowing power depends on your income, expenses, existing debts, and the lender's criteria. As a rough guide, most lenders allow 6x gross income. For Point Clare's median of $1.0M, a household income of around $165,000 would typically be needed. Use our borrowing power calculator for an estimate, or call John on 02 8046 3933 for a precise assessment across 50+ lenders.
What are the best suburbs near Point Clare for first home buyers?
For more affordable entry points near Point Clare, consider Kariong (median $900K), Woy Woy (median $950K), Toukley (median $800K), and Tuggerah (median $800K). These suburbs offer lower medians while still being close to Point Clare's amenities. John can help you compare borrowing options across suburbs. Call 02 8046 3933.
Can I refinance my home loan in Point Clare?

Yes. John refinances loans for Point Clare homeowners regularly, comparing 50+ lenders to find a sharper rate, a cash-out, or both. The service is free because the lender pays on settlement, and everything is handled by phone or video at times that suit you.

How much could Point Clare homeowners save by refinancing?

It depends on your balance and current rate, but as a guide, a 0.50% rate cut on a $600,000 loan saves about $181 a month, roughly $2,175 a year. With Point Clare property values where they are, many owners also unlock equity at the same time. John runs your exact numbers for free.

Do you handle cash-out refinances in Point Clare?

Yes. If your Point Clare property has grown in value, a cash-out refinance can release equity for renovations, investing or consolidating debt, subject to lender assessment. John settled several large cash-out refinances across Sydney in 2026 and publishes anonymised examples on the settled deals page.

Is it worth refinancing for a 0.25% rate cut?

Often, yes, on larger balances. A 0.25% cut on a $600,000 loan saves about $91 a month, roughly $1,095 a year, which typically repays switching costs inside a year. Below that, the case depends on your balance, remaining term and fees; John runs the break-even numbers for you for free.

Ready to Find Your Point Clare Home Loan?

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