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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.
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first home buyer mortgage broker Central Coast
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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.

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How we get you into your first home

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

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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)

Tagline

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)

  • What real estate agents really do vs what they say

  • How to negotiate price like an insider

  • 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.

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  • Loan Comparison Calculator

    Calculate your minimum monthly mortgage repayments

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  • Refinance Calculator

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

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  • Leasing Calculator

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

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  • 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.

First home buyers just like you.

Client stories

google
Joey Lewis
18 May 2026

Proactive, knowledgeable, and highly efficient are just a few ways to describe working with Walt. Working alongside Walt has been an outstanding experience from start to finish. Proactive, knowledgeable, and highly efficient are just a few ways to describe him, but even these fall short of capturing the exceptional service he consistently provides. From the very beginning, his communication was clear, timely, and thoughtful, making every interaction seamless and stress-free. Walt has a natural ability to anticipate needs before they arise, ensuring that nothing is overlooked and everything runs smoothly. His depth of knowledge is evident in the way he approaches challenges, offering practical solutions with confidence and precision. What truly sets Walt apart is his commitment to excellence. He doesn’t just meet expectations he exceeds them, going above and beyond to deliver results of the highest standard. His professionalism, reliability, and genuine dedication make him an absolute pleasure to work with. I would highly recommend Walt to anyone looking for someone who not only gets the job done efficiently, but elevates the entire experience in the process.

google
Isabella Bargero
12 May 2026

Thank you Matt! Matt made our refinancing experience super easy, he was always there to answer any and all questions we may have had as navigating the property market can be daunting and challenging. Matt has extensive knowledge and is very skilled at making the process smooth and simple. Thank you Matt!!

google
Emma Remaili
4 May 2026

We had an excellent experience working with Walt and couldn’t recommend him more highly. He was incredibly knowledgeable, guiding us through each step of the process with clarity and patience. He took the time to understand our situation and worked hard to secure the best possible outcome for us. Communication was always prompt and transparent, which made what can often be a stressful process feel smooth and manageable. We truly appreciated his attention to detail, and genuine care. It was clear he had our best interests at heart, and we felt supported every step of the way. We wouldn’t hesitate to use his services again in the future and highly recommend him to anyone looking for a reliable and dedicated broker.

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

  • Gosford

  • North Gosford

  • West Gosford

  • Wyoming

  • Niagara Park

  • Kariong

  • Lisarow

  • East Gosford

  • Point Frederrick

Central & Beachside

  • Erina

  • Terrigal

  • Avoca Beach

  • Kincumber

  • Green Point

  • Saratoga

  • Davistown

  • Killcare

  • Copacabana

  • Macmasters Beach

  • North Avoca

Northern Central Coast

  • Wyong

  • Tuggerah

  • The Entrance

  • Long Jetty

  • Bateau Bay

  • Toukley

  • Killarney Vale

  • Gorokan

  • Blue Bay

  • Shelley Beach

Southern Central Coast - Peninsula

  • 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.