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What's happening in Erina, NSW 2250

UMINA Houses outperform Units | November 10th, 2025

Author: Michael Daniels

Umina Beach is showing good growth results across houses, units and townhouses (strata dwellings). We decided to compare the performance of Houses vs Units.

Houses: Premium Pricing, Sustained Demand

Houses dominate, accounting for 75% of Umina’s 7,652 dwellings (5,741 total). The median price is now $1,190,000, reflecting a solid 5.5% annual increase. Last month, 55 listings attracted 2,369 interested buyers—43 buyers per property—resulting in 237 sales at a median 59 days on market. Rental demand remains strong: 54 homes available, 1,329 interested renters (24.6 per listing), leasing in just 21 days at $650 weekly (up 10.2%). Gross yield is 3.0%, underpinned by 68% owner-occupancy and an average tenure of 24.2 years.

Units & Townhouses: Affordable Entry, Higher Yields

Representing 25% of stock (1,911 dwellings), units and townhouses hold a median price of $865,000, up 4.8% annually. Tighter supply—only 22 listings—drew 793 buyers (36 per listing), achieving 71 sales in 54 days. Rental scarcity drives performance: 20 units versus 628 interested renters (31.4 per listing), leasing in 22 days at $590 weekly (up 7.3%). Gross yield outperforms at 3.4%, with 128 leases over the past year.

Key Insights for Buyers & Investors

Houses attract stronger owner-occupier competition and faster rental growth; units deliver higher yields and quicker turnover but modest capital gains. Low stock across both segments signals continued upward price pressure.

Whether refinancing, upsizing or entering the market, contact us at Mortgage Choice Central Coast for tailored loan strategies.

UPDATE | Check Your Central Coast Suburb's House Price | September 13th, 2025

Author: Michael Daniels

The recent changes to the First Home Buyer Guarantee Scheme have resulted in our office receiving a large number of calls from people looking to buy their first home. At least 80% of these calls are from individuals seeking to purchase a house rather than a unit. The affordability test can sometimes change those plans, but I encourage people to view home ownership as a stepping-stone process.

Almost every person, for good reason, is worried about rising prices now that interest rates have reduced.

Mortgage Choice Central Coast has prepared a table to help answer some of your questions. We have ranked the 47 suburbs from the most affordable to the most expensive, based on their median house prices. We have also shown you the last 6 months to help you identify which direction your target suburb is trending.

We can generally prepare a loan application within a day or two, so if you are looking to own your own Central Coast home, we can provide you with a pre-approval in a short time.

UPDATE | Check Your Central Coast Suburb's House Price | September 13th, 2025

Author: Michael Daniels

The recent changes to the First Home Buyer Guarantee Scheme have resulted in our office receiving a large number of calls from people looking to buy their first home. At least 80% of these calls are from individuals seeking to purchase a house rather than a unit. The affordability test can sometimes change those plans, but I encourage people to view home ownership as a stepping-stone process.

Almost every person, for good reason, is worried about rising prices now that interest rates have reduced.

Mortgage Choice Central Coast has prepared a table to help answer some of your questions. We have ranked the 47 suburbs from the most affordable to the most expensive, based on their median house prices. We have also shown you the last 6 months to help you identify which direction your target suburb is trending.

We can generally prepare a loan application within a day or two, so if you are looking to own your own Central Coast home, we can provide you with a pre-approval in a short time.

🏡 Curious About Your Home’s Value? 💰

If you plan to use some of your home equity for an investment, knowing your home's value is crucial.

Let’s connect and find out what your home is worth with a FREE RP Data report.

#propertyvalue #realestate #mortgagebroker #centralcoast

🏡 Curious About Your Home’s Value? 💰

If you plan to use some of your home equity for an investment, knowing your home's value is crucial.

Let’s connect and find out what your home is worth with a FREE RP Data report.

#propertyvalue #realestate #mortgagebroker #centralcoast

UPDATE | Wamberal Ranks 5th out of 47 Central Coast Suburbs | August 22nd, 2025

Although Wamberal has suffered a 6.10% decline in its median house price over the last 12 months, I thought a bit of perspective was needed for this hotly sought-after Central Coast jewel.

We cut the growth numbers between July 2020 and July 2025, and the median house price grew from $1,000,000 to $1,550,000. A growth rate of 55% over 5 years. Sure, there was quite a lot of inflation during that time, but that would put Wamberal's July 2020 $1,000,000 at $1,212,400 according to the RBA's inflation calculator. So we have had REAL, after-inflation, growth of $337,600 in 5 years.

So, where to next for Wamberal? The indicators are mixed. The median days on market is relatively lengthy at 66 days, indicating a buyer's market, however, there were 2,342 "seriously interested buyers" searching for Wamberal houses on realestate.com.au last month. This is an above-average result for Wamberal.

UPDATE | Wamberal Ranks 5th out of 47 Central Coast Suburbs | August 22nd, 2025

Although Wamberal has suffered a 6.10% decline in its median house price over the last 12 months, I thought a bit of perspective was needed for this hotly sought-after Central Coast jewel.

We cut the growth numbers between July 2020 and July 2025, and the median house price grew from $1,000,000 to $1,550,000. A growth rate of 55% over 5 years. Sure, there was quite a lot of inflation during that time, but that would put Wamberal's July 2020 $1,000,000 at $1,212,400 according to the RBA's inflation calculator. So we have had REAL, after-inflation, growth of $337,600 in 5 years.

So, where to next for Wamberal? The indicators are mixed. The median days on market is relatively lengthy at 66 days, indicating a buyer's market, however, there were 2,342 "seriously interested buyers" searching for Wamberal houses on realestate.com.au last month. This is an above-average result for Wamberal.

UPDATE | TERRIGAL - Real Estate Agent Results | August 21st, 2025

We have prepared a table showing the disclosed house sales in Terrigal for the last 3 months. There were 44 sales according to the results reported by Cotality (Formerly RP Data). We have excluded the sales with undisclosed sales amounts.

Although there is a wide range of agents represented, McGrath Terrigal has a large share of the top 50% of the sale amounts, and LJ Hooker Terrigal dominates the lower half of the sale amounts.

We have added a column showing the $ amounts per square meter of land. This can serve as a helpful comparison to gauge the effectiveness of the sales agent's results.