Mortgage Repayments in Umina Beach | 25/06/2025



  • Umina Beach stands out as a more affordable housing option, with around 55% of households in lower repayment quartiles—ideal for families or individuals seeking budget-friendly solutions compared to Sydney.

  • The Central Coast, by comparison, has 35% of households in the highest repayment group, indicating the large number of pricier acreage and waterfront properties.

  • Housing loan repayments in Umina Beach have increased significantly since 2001, with the upper limit of the lowest quartile rising from $723 to $1,361—an 88% increase.

  • The medium-lowest quartile has more than doubled, increasing from $724 to $1,069 to $1,362 to $2,123, illustrating the growth in loan sizes over time.

  • Medium-highest repayments have soared from $1,070-$1,550 to $2,124-$3,203, up over 106%, which can strain household budgets. Keep in mind that this was measured in 2021, when interest rates were near 2%. Our best variable interest rates currently stand at around 5.64%.

  • The minimum of the highest quartile has more than doubled, from $1,551 to $3,204, driven by factors such as population growth and urban development.

  • Umina Beach’s affordability appeals to lower to middle-income residents, making it a go-to for cost-conscious Sydney-based homebuyers.

  • Rising housing costs underscore the importance of regular reviews with your Mortgage Broker.

https://www.mortgagechoice.com.au/michael.daniels/our-services/mortgage-broker-in-umina-beach-michael-daniels/



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