TERRIGAL Houses RANK 2nd from 47

By Michael Daniels

As your local Central Coast mortgage broker, I’ve been keeping a close eye on our regional property data. My latest analysis reveals a resilient market that continues to provide local homeowners with a significant financial advantage: growing home equity.

Growing Wealth in Terrigal and Beyond

Looking at the data for Terrigal, median house prices reached $1,645,000 by November 2025. If you’ve owned your home in Terrigal for even a few years, you are likely sitting on a substantial amount of equity. This isn't just a number on a spreadsheet—it is a powerful tool you can use to lower your cost of living.

How I Can Help You Refinance for Cheaper Rates

At Mortgage Choice Central Coast, I specialise in helping residents turn that equity into real-world savings. When your home value increases, your Loan-to-Value Ratio (LVR) typically drops. This puts you in a "premium" category for lenders, allowing me to negotiate cheaper interest rates that aren't available to the general public.

By choosing to refinance with me, you can:

  • Reduce your monthly repayments to keep more money in your pocket.

  • Access funds for those home renovations you’ve been planning.

  • Secure a more competitive product that aligns with your current financial goals.

Don’t let your equity sit idle while you pay more than you should to the big banks. As your dedicated Central Coast mortgage broker, I’m here to ensure your mortgage works as hard as you do.

Table of median house prices for Central Coast suburbs by Michael Daniels, Terrigal mortgage broker, showing data from June to November 2025.


Location: Terrigal NSW 2260, Australia

Comments

Post a Comment

Popular posts from this blog

Your Central Coast Suburbs 10-Year Growth | July 12th, 2025

By Michael Daniels
Image
At   Mortgage Choice Central Coast , located at 200 Central Coast Hwy, Erina, we’ve been diligently tracking median house prices for 47 suburbs over the past 10 years (love our spreadsheets). When we started, we recognised the Central Coast was somewhat undervalued, but the growth we’ve witnessed has been remarkable. House Price Trends Over 10 Years Across these suburbs, we’ve seen a combined growth rate of 109.32%. Hamlyn Terrace, the least performer, still achieved an 80.20% increase, likely due to higher prices for new homes in 2015. Copacabana, on the other hand, led with an impressive 160.23% growth, with its median house price rising from $660,000 a decade ago. What’s Ahead for Central Coast Property While these figures are compelling, many of us are more curious about where the market is headed. We expect continued demand for free-standing homes, driven by limited supply. Our recent data shows the Central Coast’s population growing at a third of Sydney’s rate and half of New...
Read more

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

By Michael Daniels
Image
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.  If you would like to talk with us about your Wamberal property and mortgage plans...
Read more

The Battle of the Vales | July 11th, 2025

By Michael Daniels
Image
Killarney Vale and Berkeley Vale are two very similar suburbs on the Central Coast. Killarney Vale has a closer proximity to the beach and Bateau Bay Shops, while Berkeley Vale has easier access to the freeway, trains and Tuggerah shops. We at Mortgage Choice Central Coast - Erina have completed a detailed comparison of these side-by-side suburbs, and they have proven to be remarkably similar. Median Price: Killarney Vale houses have a median price of $920,000, slightly lower than Berkeley Vale's $927,550, indicating a marginal price difference. Price Growth: Killarney Vale shows stronger growth at 8.60% over 12 months compared to Berkeley Vale's 6.00%, suggesting better value appreciation. Number of Houses: Berkeley Vale has more houses (3012) than Killarney Vale (2752), offering a larger market. Renter Occupancy: Killarney Vale has a higher renter percentage (27%) than Berkeley Vale (22%), indicating a stronger rental demand. Sales Volume: Berkeley Vale recorded more sales (1...
Read more

GOROKAN ranks as 'Most Affordable' Houses | October 15th, 2025

By Michael Daniels
Image
https://www.mortgagechoice.com.au/michael.daniels/our-services/mortgage-broker-in-gorokan-michael-daniels/ Mortgage Choice Central Coast has provided a table ranking the 47 largest Central Coast suburbs with more than 800 houses. Gorokan has ranked as the most affordable option for people looking to buy a house with a median house price of $750,000. The Central Coast median house price is $1,066,420. Gorokan's median house price has grown by $30,000 over the last 6 months and $40,000 over the last 12 months. We suspect Gorokan's median house price will soon rise due to increased demand from the expanded first-home buyer scheme and a high annual rental yield of 4.1%, which is attracting investors. If you would like to talk with us about your property and mortgage plans, please call us at Mortgage Choice Central Coast or email us at  michael.daniels@mortgagechoice.com.au  or philip.cooper@mortgagechoice.com.au .
Read more

UPDATE | Narara Keeps GROWING | July 23rd, 2025

By Michael Daniels
Image
https://www.mortgagechoice.com.au/michael.daniels/our-services/mortgage-choice-in-narara-michael-daniels/ Narara's many attributes continue to bear fruit in the form of rising house prices. Unlike many other Central Coast suburbs, Narara has surpassed the 5% growth milestone, achieving a growth rate of 7.40%. The median weekly rent of $650 has shown less growth (2.4%), which is surprisingly low given that 529 potential renters were interested in only 15 available houses last month. 20% of Narara houses are rented, which is well below the national average of 36%, meaning this is likely to be a more stable market as owner-occupiers tend toward longer tenure. Over the last year, 113 Narara houses were sold, which represents only 4.1% of the total number of houses in the area. If this result were to occur consistently, houses would only turn over every 24 years, which is a remarkably long tenure. Many of our long-term Narara clients now hold substantial amounts of equity, a result of t...
Read more

Gorokan Houses vs Toukley Houses | July 14th, 2025

By Michael Daniels
Image
https://www.mortgagechoice.com.au/michael.daniels/our-services/mortgage-broker-in-gorokan-michael-daniels/ Two of the Central Coast's more affordable suburbs are compared today. As you can see, Gorokan has roughly twice the number of houses and has a higher percentage of owner-occupied dwellings. Gorokan: Perfect for First-Home Buyers Gorokan, with a median house price of $732,000, is the ideal location for first-home buyers, given they are below the NSW stamp duty waiver amount of $800,000 and the First Home Guarantee threshold of $950,000. This could potentially mean a first home buyer could buy a median Gorokan house for an upfront cost of $36,600 (5% of $732,000). Gorokan: Investor-Friendly Market Investors may also be surprised at Gorokan's attractive rental yield of 4.1%, when the rest of the Central Coast has a median rental yield of 2.9%. Another surprising result for Gorokan investors is the high level of renter demand and the short time that a rental is on the market ...
Read more

Tumbi Umbi 3brm vs 4brm Houses | July 28th, 2025

By Michael Daniels
Image
UPDATE | Tumbi Umbi 3brm vs 4brm Houses | July 28th, 2025 https://www.mortgagechoice.com.au/michael.daniels/our-services/mortgage-choice-in-tumbi-umbi-michael-daniels/ There are quite a few surprising Tumbi Umbi results from this month's realestate.com.au data: 1. The median house price for 3-bedroom houses is relatively affordable compared to nearby suburbs at $827,500. This result turns out to be $277,500 lower than 4-bedroom Tumbi houses. 2. The 4-bedroom gross median rental yield is 3.76%, which is almost a full 1% higher than the Central Coast median house rental yield. 3. The 3-bedroom gross median rental yield is also relatively high at 3.64%. High rental yields, when compared to those in nearby markets, may indicate that house values could be undervalued. 4. Neither the 3-bedroom nor the 4-bedroom median house prices have reached their peak levels set during Covid-19, but they are very close. Further interest rate cuts and the expansion of the first home buyer scheme might...
Read more

Umina Beach Keeps GROWING | July 27th, 2025

By Michael Daniels
Image
UPDATE | Umina Beach Keeps GROWING | July 27th, 2025 See the last Decade of Umina Beach median house price history broken down into percentage growth. https://www.mortgagechoice.com.au/michael.daniels/our-services/mortgage-choice-in-umina-beach-michael-daniels/ UPDATE | Umina Beach Keeps GROWING | July 27th, 2025 According to CoreLogic's results, Umina's Median house price has increased by 2.9% over the last 12 months to June. On the face of it, this doesn't seem like remarkable growth, but the table shows that the 2023 correction has been fully recovered, despite the burden of high interest rates. By far, the biggest story over the last decade was the extreme growth rates between 2020 and 2022. Consecutive house price growth years of 18.8%, 37% and 17.1% saw Umina Smash through the $1M barrier, reaching $1,172,500. As it turned out, the RBA's stimulus position (offering easier and cheaper access to debt) led to prices overshooting, as 2023 saw an adjustment to the real...
Read more

10 Months in a Row - Central Coast House Prices | November 11th, 2025

By Michael Daniels
Image
https://www.mortgagechoice.com.au/michael.daniels/our-services/mortgage-choice-in-central-coast-michael-daniels/ Author: Michael Daniels Our Central Coast Median House Price has grown for 10 consecutive months, and prices are accelerating. Prices have risen by $42,501 over 12 months, but more than half of that growth has occurred over the last 4 months. The Median House Price is now $1,072,712, which is $19,000 above the COVID-19 stimulus peak of $1,053,000. Sydney's median house price is $1,620,000. Importantly, Brisbane's Median House Price is $1,101,000. People have been leaving Sydney for more affordable housing at record rates. The flow to Queensland in 2024 was 37,000 (an average of 711 per week), however, this year is estimated to be around half that amount. This is likely due to housing affordability. Brisbane's Median house price was affordable at $812,000 in 2022.  So what does this mean for the Central Coast? We are noticing a significant increase in Sydneysiders...
Read more

ERINA House Prices and Rents are Growing | July 19th, 2025

By Michael Daniels
Image
https://www.mortgagechoice.com.au/michael.daniels/our-services/mortgage-choice-in-erina-michael-daniels/ As mortgage brokers in Erina, these insights are crucial for tailoring our services to meet our clients’ needs, whether for home loans, investment properties, or refinancing. The data highlights opportunities in a growing market, supporting informed decision-making and ultimately looking after our clients. Key Points The median house price in Erina is $1,327,500, with an annual increase of 8.6%, indicating strong market growth. 79% of houses are owner-occupied, indicating a stable market. The median rent is $750/week, up 10.3%, with a 3.6% gross rental yield, indicating potential for investors. Low supply (13 houses for sale, 15 rentals) meets high demand (848 buyers, 377 renters), creating a competitive market. Properties sell in 54 days and lease in 16 days on average, showing quick turnover. Over the past 12 months, 42 houses were sold and 80 were leased, reflecting an active mar...
Read more