Mortgage Broker Terrigal – Home Loans & Refinance

If you are looking for a mortgage broker in Terrigal, Horizon Mortgages can help you compare home loan options across 37+ lenders. We are an independent mortgage broker, NOT a bank. That means more choice, clearer advice, and a loan structure that fits your goals.

tel:0488798787

Local help for Terrigal buyers and owners

Terrigal is a unique market. Prices, lending requirements, and timing all matter. Whether you are buying your first home near the beach, upsizing locally, refinancing, or purchasing an investment property, I will guide you through the numbers and the lender policy details so you can move forward with confidence.

What I help Terrigal clients with

  • First home buyers

  • Upgrading to your next home…or Downsizing

  • Refinancing

  • Investment loans

  • Construction

  • Cash out

  • Renovations

  • Debt Consolidation

  • Self-employed borrowers

Why use a mortgage broker instead of going straight to a bank

Going direct to a bank shows you one set of products. As a broker, I compare policies and pricing across a large panel and handle the process from start to finish.

This often means.
• More options, especially if your scenario is not cookie-cutter.
• Less back and forth with the bank.
• A structure that matches your goals, not just a basic product.

My process

1. Quick chat
We clarify your goals, your budget, and your preferred timeframes.

2. Strategy and borrowing capacity
I review your income, liabilities, living expenses and credit position to set a clear borrowing range.

3. Lender and product match
I compare suitable lenders and explain the differences in plain English.

4. Application and approval
I manage the application, keep you updated, and deal with the lender on your behalf.

5. Settlement and follow-up
We finalise the loan and I remain your point of contact going forward.

Fees

In most cases, there are no upfront fees. I am paid a commission by the lender you choose once the loan settles. If a fee ever applies for a complex scenario, it is always disclosed upfront before you proceed.

Servicing Terrigal and nearby suburbs

I work with clients across Terrigal, Wamberal, Avoca Beach, Erina, North Avoca, Gosford and the wider Central Coast.

If you want clear advice and a shortlist of strong loan options, book a call and I will talk you through the best path forward.

tel:0488798787


Terrigal FAQ section

How much can I borrow for a home in Terrigal?

Borrowing capacity depends on income, existing debts, living expenses, and lender policy. I can run the numbers and give you a realistic range before you make offers.

Can you help if I am self-employed?

Yes. Many lenders have different approaches to self-employed income. I can assess which lenders fit your situation and the documents required.

Do you only use one bank?

No. Horizon Mortgages compares options across 37+ lenders. You are not locked into one bank’s products.

Do you charge upfront fees?

In most cases, no. If a fee applies due to complexity, it will be disclosed upfront before any application is made.

How long does pre-approval take?

Timeframes vary depending on the lender and your documentation. Some lenders are quick whilst some can also take a considerable amount of time to assess an application. I will recommend the best approach based on your situation and your timeframes.

tel:0488798787
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