City of Lake Macquarie

Welcome to Lake Macquarie, a vibrant region known for its stunning landscapes, thriving economy, and exceptional lifestyle in New South Wales. More than 217,000 people call Lake Macquarie home, making it the third-largest regional city in NSW by population. In 2021 alone, over 1900 people moved to Lake Macquarie, with more than 2300 babies born each year.

As your trusted mortgage broker in Lake Macquarie, we are committed to helping you take advantage of this booming city by developing customised mortgage solutions and providing you with expert insights and knowledge to capatlise on the property market here.

Facts and statistics:

Population: More than 217,000 people call Lake Macquarie home, making it the third-largest regional city in NSW by population.
Growth Projections: Population is expected to grow by 39,000 people by 2041, creating demand for 12,000 new dwellings.
Landscape: Lake Macquarie covers an area of 648 square kilometers, about twice the size of Sydney Harbour. It boasts 32 kilometers of coastline with four patrolled beaches and the Watagan Mountains in the west.
Economy: The economic activity generated by Lake Macquarie is $26.5 billion, contributing over 21% to the Hunter economy. The total value added by the city’s economy is estimated at $12.5 billion.
Businesses: There are 14,081 active businesses in Lake Macquarie, with more than 6500 new businesses started in the last four years. Over $1.6 billion worth of development applications were approved in 2021-2022.
Tourism: Lake Macquarie attracts 1.3 million international and domestic tourists each year.
Education: The city is home to Avondale University, offering tertiary education opportunities.

Demographics:

More than 217,000 people call Lake Macquarie home, with a diverse population including families, young professionals, and retirees.
Births: More than 2300 babies are born in Lake Macquarie each year, contributing to the city’s growth and vitality.
Age Distribution: Lake Macquarie has a diverse age distribution, with residents ranging from young families to retirees enjoying the region’s lifestyle.
Cultural Diversity: The city embraces cultural diversity, with residents from various backgrounds contributing to its vibrant community.

Future plans:

Lake Macquarie is strategically planning for sustainable development, economic expansion, and upgraded infrastructure to accommodate its increasing population and thriving economy. The Delivery Program and Operational Plan outline more than 130 initiatives geared towards infrastructure enhancement, encompassing upgrades to footpaths, roads, parks, playgrounds, and sports facilities. With an allocated budget of $118.8 million for 2023-2024, the Council is steadfast in addressing the evolving requirements of the growing Lake Macquarie community, ensuring sustainable progress and development.

Learn more about Lake Macquarie’s future plans here.

How we can help:

Whether you’re a first-time homebuyer, an investor, or looking to refinance in Lake Macquarie, we’re here to guide you through your financial journey with tailored solutions that suit your needs and circumstances.

Areas we cover:

Adamstown
Adamstown Heights
Arcadia Vale
Argenton
Awaba
Balcolyn
Balmoral
Barnsley
Belmont
Belmont North
Belmont South
Bennetts Green
Blackalls Park
Blacksmiths
Bolton Point
Bonnells Bay
Boolaroo
Booragul
Brightwaters
Buttaba
Cameron Park
Cams Wharf
Cardiff
Cardiff Heights
Cardiff North
Cardiff South
Cardiff West
Carey Bay
Catherine Hill Bay
Caves Beach
Charlestown
Charlestown East
Charlestown South
Coal Point
Cooranbong
Croudace Bay
Dora Creek
Dudley
Edgeworth
Edgeworth Heights
Eleebana
Eraring
Fassifern
Fennell Bay
Fishing Point
Floraville
Freemans Waterhole
Garden Suburb
Gateshead
Gateshead West
Glendale
Glendale East
Highfields
Hillsborough (South)
Holmesville
Jewells
Kahibah
Kilaben Bay
Killingworth
Kotara
Kotara Heights
Kotara South
Lakelands
Little Pelican
Macquarie Hills
Mandalong
Marks Point
Marmong Point
Martinsville
Middle Camp
Mirrabooka
Morisset
Morisset Park
Mount Hutton
Murrays Beach
Myuna Bay
Newcastle Heights
New Lambton
New Lambton Heights
Nords Wharf
Pelican
Pinny Beach
Rankin Park
Rathmines
Redhead
Ryhope
Seahampton
Silverwater
Speers Point
Sunshine
Swansea
Swansea Heads
Teralba
Tingira Heights
Toronto
Valentine
Wakefield
Wangi Wangi
Warners Bay
Wallsend
West Wallsend
Whitebridge
Windale
Windermere Park
Woodrising
Wyee
Wyee Point
Yarrawonga Park

Mortgage Calculators

Lake Macquarie‘s attractions

Jill and her team were just amazing with helping myself and my partner secure finance for our first home. She helped us understand and choose the best financing package that suited our needs and wants. Couldn’t recommend them enough to help guide you through your big purchase decisions.
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Thomas Badman
1 month ago

Ben, Janine and the whole team at In Financial Services helped us through the purchase of our first home. Turning what could have been a stressful situation into something so streamline and exciting. Thank you!
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Mackenzy Skinner
4 months ago
Jill and the team at In financial are amazing at their job. Very professional, easy to communicate with and Jill went above and beyond to make it easier for me to secure for first home. Will definitely recommend to anyone who is looking to purchase a home.
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Cal Single
3 years ago

I have dealt with In Financial services now for a number of years. They have provided me with finance for a number of investment properties as well as recently a very difficult finance issue with a property purchase my mother has made. Their knowledge is 1st class on all aspects of finance and property related issues and I cannot thank them enough for their help.I cannot rate highly enough the knowledge and help that Janine and Kylie provide it is of the highest qualityI would not use any other financial service provider and highly recommend them to anyone who is thinking of using their services
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Michael Brown
5 years ago
One of the best things my financial planner ever did for me was to recommend Janine Harris of In Financial Services. I had been advised to purchase an investment property for a couple of years, but the whole process seemed very daunting and rather impossible. Then I met Janine , and before I knew it, I had a loan approved, a property purchased and I was finally on my way to a more secure future. There is no way I could have accomplished it all on my own in such a short time and such an efficient, worry -free manner. From start to finish, both Janine and Kylie were there for me, answering questions, dealing with any of my concerns and keeping me from becoming a nervous wreck. And their excellent, caring service continues with regular contact and support whenever I need it.With In Financial Services, not only are you dealt with in an excellent and highly professional manner, but you also always receive personal and friendly service. It's always a pleasure dealing with them and they are only a phone call away. Don't put off securing your future any longer, do yourself a favour and call them.You won't regret it.
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The Grange Vet Clinic
6 years ago

I have used In Financial Services for both business and personal services. I purchased a new office vehicle and asked the dealership for a finance quote and In Financial Services came in over $60.00 cheaper per month which worked out to be a saving of over 1.5 months repayment!When it came time to sort finance for a new build, I went straight back to them and was once again very happy with the level of service.Would highly recommend you get a second opinion from In Financial Services.
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Patrick Mears
6 years ago
I recently purchased a new office vehicle. I asked the dealership for a finance quote and In Financial Services came in over $60.00 cheaper per month which worked out to be a saving of over 1.5 months repayment! Would highly recommend you get a second opinion from In Financial Services.
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Pat Mears
7 years ago