Business Details
7 Years
experience
Your Trusted Mortgage Broker in Terrigal, NSW
At CoastFin, we are dedicated to making your lending experience effortless and rewarding. With over 80 years of combined experience in commercial and mortgage lending, we build strong personal relationships with every client to find the right loan solutions tailored to your needs. Our team works tirelessly to source the most appropriate financing options from a network of over 30 lenders, ensuring transparency and communication throughout the process. We pride ourselves on being advocates for our clients, prioritising your best interests without charging direct fees for our services. As a locally rooted business on the Central Coast, we combine deep industry knowledge with a commitment to helping clients achieve their financial goals, whether purchasing a home, financing a vehicle, or growing a business.Our expertise spans home loans, car loans, personal loans, debt consolidation, commercial finance, and specialised packages for medical professionals and self-managed superannuation funds. We are passionate about simplifying complex financial processes and providing peace of mind through personalised service. Our relationships with lenders allow us to manage applications from qualification to approval, ensuring a seamless experience. With offices in Erina and flexible meeting options, we cater to busy schedules while maintaining a strong focus on customer satisfaction. Our reputation as a trusted partner in finance is built on decades of experience, industry recognition, and a dedication to staying ahead of market changes to benefit our clients.
Services
Home Loans
Car Loans
Personal Loans
Debt Consolidation
Commercial Loans
Medico Finance
SMSF Loans
Details
- Year established: 2019
Highlights and features
- We have over 80 years of combined experience in mortgage and commercial finance.
- We offer access to over 30 lenders to find the best loan for your needs.
- We provide transparent services with no direct fees for clients.
- Our team works tirelessly to tailor finance solutions to your unique situation.
- We are deeply embedded in the Central Coast community with local expertise.
Associations and certifications
- Australian Credit Licence 377711
What people say
Exceptional service
Quick refinancing
Knowledgeable brokers
Personalised approach
Highly recommended
Services
Home Loans
CoastFin specialises in home loans tailored to first-time buyers, investors, and refinancers. We connect clients with competitive rates across 30+ lenders, managing applications from pre-approval to settlement. Our brokers provide ongoing support to ensure long-term satisfaction.
Commercial Loans
We offer custom commercial loans for businesses at all stages, including equipment financing, cashflow solutions, and expansion funding. Our team understands complex business needs and secures terms aligned with growth objectives, leveraging deep banking relationships.
Debt Consolidation
CoastFin helps simplify debt management by combining multiple loans into a single payment with lower interest rates. We assess individual financial situations to recommend strategies that reduce stress and improve long-term stability.
Car Loans
We provide car loans for new and used vehicles, including competitive fixed and flexible rate options. Our brokers compare offers from multiple lenders to secure terms that suit your budget, with fast approval processes.
Medico Finance
Tailored financing solutions for medical professionals, including practice purchases, equipment upgrades, and personal loans. We understand the unique financial landscapes of healthcare careers and offer specialised packages to support professional and personal goals.
People
Luke Talbot
Director / Mortgage Broker
Luke founded CoastFin after years in major banks, focusing on client-centric service. He specialises in home and commercial loans, leveraging extensive industry experience to help clients achieve financial goals with tailored solutions.
Wade Picken
Mortgage Broker
Wade brings over a decade of banking experience to CoastFin. He specialises in guiding first-time buyers and refinancers through stress-free mortgage processes, known for quick approvals and exceptional client communication.
Emily Krivohlavy
Mortgage Broker
Emily prioritises client needs throughout the finance journey. Her expertise in loan applications and dedication to positive outcomes ensure a seamless experience, supported by clear communication and personalised support.
Breeanne Lane
Mortgage Broker
Breeanne transitioned from loan administration to broking, combining technical knowledge with client focus. She ensures smooth loan processes and maintains strong relationships with lenders to secure optimal outcomes for clients.
Rebecca Mein
Client Support
Rebecca provides post-settlement support, advocating for clients to maintain competitive rates. Her empathetic approach and problem-solving skills make her a key contact for ongoing satisfaction and service excellence.
Questions
What types of loans does CoastFin offer?
CoastFin offers home loans, car loans, personal loans, debt consolidation, commercial loans, medico finance, and SMSF loans, tailored to individual and business needs.
How does CoastFin find competitive loan rates?
We work with over 30 lenders to compare rates and terms, using our industry relationships to negotiate competitive options that match your financial situation.
Are there fees for CoastFin's services?
No, we do not charge clients directly. Our services are funded by commissions from lenders once you settle on a loan product.
Can CoastFin help with bad credit loans?
We assess individual circumstances and work with lenders offering solutions for non-standard credit situations, though outcomes depend on lender criteria.
How long does loan approval take?
Approval times vary by lender, but our team expedites processes, with some clients approved within days of application submission.
Do you offer online loan applications?
We provide digital tools for initial assessments, but our brokers offer personalised guidance throughout applications to ensure clarity and accuracy.
Reviews (6)
Merci Calimbas
Sep 12, 2021
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We have used a couple of other brokers previously but have never experienced such care and efficiency as we have with CoastFin. Michelle answered all our questions and had our confidence with her guidance all the way through the process (and hiccups). All while being an awesome human. Thank you Michelle & Emily!
Casey Smith
Sep 06, 2021
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Luke and Emily went above and beyond to secure our finance for our beautiful new investment property. I would highly recommend if your looking at getting into the market to contact CoastFin. Very professional and efficient! :)
Carley Eder
Jul 12, 2021
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The team at Coast Fin in particular Luke & Emily have gone above and beyond for the last 4 years where they have helped us with multiple personal and business loans. I now refer all my friends and family to the team so they can have the same experience. Thanks guys- much appreciated!
Lougene Mahfoud
Jun 08, 2021
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Reached out to a number of brokers for a refinance and second home loan to purchase another property. CoastFin was by far the worst experience. Everything from using the wrong name to completely ignoring questions and information that was provided. If youre looking for a cookie cutter experience - this is it.
Aaron Oates
Apr 25, 2021
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These guys know their stuff and are more than happy to go the extra mile to help you achieve your goals. Definately the go to broker on the Central Coast.
Yogi Nath
Nov 01, 2020
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I had a wonderful experience with Luke, Rebecca and Emily who dealt with my loan approval till the settlement in a very highly professional way. They hold very high standards of Customer service as well. I will highly recommend Luke and his team. Keep up the good work.
