Talk to an Expert

Your first home, done right.

Central Coast NSW · First home buyers

We've sat on both sides of the table. As licensed real estate agents and as mortgage brokers.

What we know about how the system actually works, is now yours.
Book free consultationHow it works
first home buyer mortgage broker Central Coast
  • 0+

    Lenders accessed

  • $0

    cost to you

  • 0%

    Aus home loans via brokers

Buying your first home is exciting.
It shouldn't be stressful.

Every first home buyer we meet feels exactly this way at the start. That's exactly why we exist. We take all of this off your plate and guide you through it step by step, in plain English.

Let's chat (its free)

2026 Government schemes

Money the Government is waiting to give you.

Most first home buyers leave thousands on the table. We make sure you don't.

Most popular

First Home Guarantee

Buy with as little as 5% deposit and avoid Lenders Mortgage Insurance (LMI). Backed by the Australian Government. Property price caps. 

Eligibility highlights

  • Min. 5% deposit

  • Owner-occupied only

  • Property price caps

Eligibility criteria apply. Speak with one of our brokers to check which schemes you qualify for. We’ll check all of them for you at no cost.

NSW $10,000

First Home Owner Grant (FHOG)

A one-off $10,000 grant from the NSW Government for eligible first home buyers purchasing a new or substantially renovated home.

Eligibility highlights

  • New or substantially renovated

  • Purchase price under $600k (House and land under $750k total)

  • Must move in within 12 months

  • Applied at settlement

Eligibility criteria apply. Speak with one of our brokers to check which schemes you qualify for — we’ll check all of them for you at no cost.

NSW Savings

Stamp Duty Exemption

In NSW, first home buyers may be exempt from stamp duty on homes up to $800k, or receive a concession on homes up to $1M — potentially saving tens of thousands.

Eligibility highlights

  • Exempt under $800k

  • Concession $800k–$1M

  • Both new and existing homes

  • Automatic at settlement

Eligibility criteria apply. Speak with one of our brokers to check which schemes you qualify for — we’ll check all of them for you at no cost.

Single Parents

Family Home Guarantee

Single parents with at least one dependant can buy with just 2% deposit, with no LMI, backed by the Federal Government.

Eligibility highlights

  • Single parent families

  • Min. 2% deposit

  • New or existing homes

  • Limited annual places

Eligibility criteria apply. Speak with one of our brokers to check which schemes you qualify for — we’ll check all of them for you at no cost.

We handle the paperwork to secure the scheme placement for you.

Check my eligibility

How we get you into your first home

Clear, guided, and entirely managed on your behalf, from your first conversation to getting the keys.

Start my review

Getting ready

What you'll need to get started.

Don't stress if you don't have everything ready. We will tell you exactly what to gather. Here's a rough guide to the documents lenders typically need.

Contact now

You don’t need to have everything sorted before chatting to us. Many of our clients book a call months before they’re ready to buy. We will help you prepare a roadmap.

Identity

  • Driver licence or passport
  • Medicare card

Income

  • Last 2 payslips
  • 1-2 year tax returns, notice of assessment and company financials (if self-employed)
  • Employment contract (if recently started)

Assets & Liabilities

  • Last 3 months bank statements
  • Existing loan statements
  • Details of any savings or investments

Property

  • Contract of sale (if you've found a property)
  • Building / strata report (if applicable)

Get the inside goss

Download The Unfair Advantage - a free guide

Everything most first home buyers never find out until it's too late, in one free guide. Written by our team, who have sat on both sides of the table.

  • What brokers do that banks will never tell you

  • The real deposit and borrowing numbers (not the 20% myth)

  • The finance strategies that strengthen your negotiating power

  • The hidden costs most first home buyers miss

  • How to structure your finance before you buy

Not ready to book a call yet? The guide is a good place to start. It takes 20 minutes to read and answers most of the questions people come to their first meeting with us already knowing.

Send me the free guide

Instant delivery to your inbox. No spam just the guide, then occasional insights worth reading.

Broker Vs Bank

Why 77.3% of Australians now choose a broker

A broker works for you. A bank works for its share holders. It's that simple.

Features

Using Hubblit

Using another broker 

Going direct to your bank

Lender access
Lender access
60+ lenders
Around 20+
1 bank
Works in your interest
Works in your interest

Legally required too
Works for share holders
Rate negotiations
Rate negotiation
Application management
Application management
Government scheme access
Government scheme access
Cost to you
Cost to you
$0
Real estate insider knowledge
Real estate insider knowledge

Understand your numbers

How much could you borrow?

Get a rough idea in seconds. Our brokers will give you the real number.

  • Repayment Calculator

    Compare different home loan rates offered by various lenders.

    Calculate

  • Loan Comparison Calculator

    Calculate your minimum monthly mortgage repayments

    Calculate

  • Refinance Calculator

    Calculator the potential savings you could achieve through a simple loan switch.

    Calculate

  • Leasing Calculator

    Calculate the lease term that works best for your budget and needs.

    Calculate

  • Budget Planner

    Plan your finances by mapping out your income, expenses, and savings goals.

    Plan now

Meet your brokers

Real people who genuinely care.

You'll work directly with an experienced broker. Not a call centre, not a chatbot. The same person, start to finish.

Questions every first home buyer asks us.

We've answered them all here. And if yours isn't listed, just ask.

In most cases, you’ll need at least 5% of the purchase price as a genuine deposit. With the First Home Guarantee, you can buy with just 5% and avoid costly Lenders Mortgage Insurance (LMI). Some lenders accept smaller deposits, especially for low-risk applicants, but additional LMI costs would apply.

LMI is an insurance policy that protects the lender (not you) if you default on your loan. It applies when your deposit is less than 20% of the purchase price. With the First Home Guarantee scheme, first home buyers can avoid LMI with only a 5% deposit — saving potentially $10,000–$30,000+.

And for buyers using a family guarantee, some lenders may allow you to purchase with a $0 deposit while still avoiding LMI, using equity in a family member’s property as security.

We strongly recommend it. Pre-approval gives you a clear budget, shows vendors and agents you’re serious, and means you can move quickly when you find the right property. We can usually arrange pre-approval within 24–72 hours.

Yes! The FHSS allows you to save for your first home inside your super, taxed at a lower rate. You can withdraw up to $50,000 ($100,000 for couples) in voluntary contributions. We’ll help you factor this into your deposit planning.

Absolutely. Many of our clients are self-employed or sole traders. We have access to specialist lenders who understand alternative income documentation. You’ll typically need 1–2 years of tax returns, but we can often work around this with the right lender.

From your first chat to getting the keys is usually 4–8 weeks. Pre-approval can take 24–72 hours. Once you’ve found a property and signed a contract, settlement is typically 4–6 weeks. We’ll keep you on track at every step.

Nothing. Our service is completely free to you as a borrower. We are paid a commission by the lender once your loan settles, which is a standard industry arrangement regulated by ASIC. We are legally required to act in your best interests, not the lender’s, and to disclose all commissions. We will always show you the loan that is right for your situation, not the one that pays us more.

Not at all. This is one of the most common situations we help with. Banks assess applications using their own internal criteria, which can be more restrictive than other lenders. We have access to 60+ lenders, including specialist lenders who assess income, credit history, and employment type differently. Clients who have been declined by a major bank for reasons including HECS debt, irregular income, a credit default, or a small deposit have gone on to get approved through us. Being declined by one lender is the start of the conversation, not the end of it.

First home buyers just like you.

Client stories

google
Heidi
6 July 2026

Walt was professional, knowledgeable, approachable, and genuinely invested in helping us. We recently purchased our new home, and we cannot speak highly enough of the exceptional service Walt provided throughout the entire finance process. From our very first conversation through to settlement, he consistently exceeded our expectations and made what could have been a stressful experience feel smooth, straightforward, and enjoyable.Walt was professional, knowledgeable, approachable, and genuinely invested in helping us achieve the best possible outcome. He took the time to explain every step in clear, easy-to-understand terms, ensuring we always felt informed and confident in our decisions. No question was ever too small, and no request was ever too much trouble. His patience, honesty, and willingness to share his expertise made us feel completely supported from beginning to end.One of the things that impressed us most was his communication. Walt responded to emails, phone calls, and messages incredibly quickly, often replying almost immediately. Knowing we could rely on him for timely updates and answers gave us enormous peace of mind during such an important milestone in our lives.What truly sets Walt apart is the personal service he provides. We never felt like just another client. He took the time to understand our circumstances, listened to our goals, and tailored his advice to suit our needs. We feel incredibly grateful and truly blessed to have been introduced to Walt, as we cannot imagine navigating this journey without his guidance, support, and encouragement.We are sincerely grateful for everything Walt and his team did to help us purchase our dream home. We have already recommended him to friends and family and will continue to do so without hesitation. If you're looking for a finance broker who is professional, responsive, knowledgeable, caring, and genuinely committed to achieving the best possible outcome, we cannot recommend Walt highly enough.

google
Michael Swinford
3 July 2026

Walt went above and beyond from start to finish. . From the very first connection with Walt, he has always been available as soon as we needed him to, even if it was just for a quick chat. The connection we were able to build with Walt has made us feel as if we've known him for a lifetime! From the very first moments of building our profile, working out our expenses and our first open house... Walt was there.. with all the information and support we needed. Communication with Walt was exceptional. The support from himself and his admin team was very comforting, especially in times of great uncertainty and refinancing. Right to the last moments of settlement, Walt was just a phone call away to give us a big congratulations! No words can explain our appreciation for Walt and we will continue dealing with Walt for years and years to come !

google
Chelsea Cowper
1 July 2026

We had a great experience with Hubblit Home Loans. Adam and Jordan were both so helpful, easy to communicate with, and kept us updated throughout the whole process. They were always happy to answer our questions and made an otherwise stressful time feel really straightforward. We really appreciated all of their help and would happily recommend Hubblit to anyone looking for a home loan.

google
Hyrum Kuru
29 June 2026

Michael Downie transformed my perception of getting a home loan.For years the experience with previous brokers has always been somewhat difficult, communication lapses, things not really being clear and before I know it, I’m behind the 8 ball and end up being more out of pocket!My experience with Michael has been the exact opposite of this! Clear, transparent, knowledgeable, trustworthy, and reliable.If you’re looking to obtain a home/car/personal loan work with Hubblit and Michael Downie you will not regret it!

google
Ky Barnsley
24 June 2026

I had Adam do our first home loan, was unreal with it all very responsive and constantly going above and beyond, can’t recommend him and his team enough!

google
Lenore Ramm
22 June 2026

We couldn’t be happier with the service Adam and the team provided throughout our home buying journey. From securing our mortgage through to purchasing our home, Adam was there every step of the way.He was always available to answer our questions, no matter how big or small, and when our circumstances changed, he quickly reassessed our situation and presented alternative options that suited our needs. His responsiveness, knowledge, and professionalism made what could have been a stressful process feel straightforward and manageable.What stood out most was how genuine and supportive Adam was. He truly felt like he was on the journey with us, always looking out for our best interests and ensuring we understood every stage of the process. No question ever went unanswered, and his communication was exceptional from start to finish.We are incredibly grateful for Adam’s help and would highly recommend him to anyone looking for a mortgage broker who is knowledgeable, responsive, and genuinely invested in helping clients achieve their goals.

Where we work

First home buyer mortgage brokers across the Central Coast

Hubblit Mortgage Brokers is based in Erina and works with first home buyers across the entire Central Coast region of NSW, from Gosford and Terrigal in the south through to Wyong and Toukley in the north, and across to Woy Woy and the Peninsula.

We also work regularly with Sydney buyers looking at Central Coast properties, increasingly common for remote workers and young families priced out of Sydney, as well as New Zealand citizens and residents looking to buy in Australia.

Finding a Central Coast mortgage broker who knows the local area matters. We understand which lenders are most flexible for regional NSW applications, how local valuations are assessed, and what to watch for in specific suburbs.

Gosford and surrounds

The Gosford CBD revitalisation is ongoing, with new apartments, commercial development, and improved transport links making this area increasingly attractive to first home buyers priced out of Sydney's northern suburbs. Properties here attract a wide range of lender valuations. We know which lenders are most comfortable with Gosford's high-density stock and can position your application accordingly.

  • Gosford

  • North Gosford

  • West Gosford

  • Wyoming

  • Niagara Park

  • Kariong

  • Lisarow

  • East Gosford

  • Point Frederrick

Central & Beachside

Terrigal, Avoca Beach, and North Avoca command a lifestyle premium, and properties here are consistently in demand. First home buyers in this area often face competitive bidding and shorter inspection windows. Pre-approval isn't optional here, it's essential. We can typically arrange pre-approval within 24–72 hours so you're ready to move fast.

  • Erina

  • Terrigal

  • Avoca Beach

  • Kincumber

  • Green Point

  • Saratoga

  • Davistown

  • Killcare

  • Copacabana

  • Macmasters Beach

  • North Avoca

Northern Central Coast

The northern corridor (Wyong, Tuggerah, The Entrance, Long Jetty) offers some of the strongest value on the Coast for first home buyers. Entry-level prices here are significantly below other areas on the Central Coast, and many of the government scheme property price caps apply comfortably to available stock. New estates around Hamlyn Terrace and Woongarrah could also qualify for the FHOG if you're buying land and building.

  • Wyong

  • Tuggerah

  • The Entrance

  • Long Jetty

  • Bateau Bay

  • Toukley

  • Killarney Vale

  • Gorokan

  • Blue Bay

  • Shelley Beach

Southern Central Coast - Peninsula

Woy Woy, Umina Beach, and Ettalong Beach have become increasingly popular for buyers seeking the coastal lifestyle at a lower price point than the northern beaches of Sydney. Our local knowledge of how lenders assess Peninsula properties has helped many buyers avoid delays and secure approval at the right value.

  • Woy Woy

  • Umina Beach

  • Ettalong Beach

  • Tascott

  • Point Clare

  • Pearl Beach

  • Patonga

Ready to buy your first home?

No obligation. No jargon. Just an honest conversation with a team who genuinely want to get you there and who know the whole process from both sides of the table.