2018-19 Central Coast Investment Prospectus 2018-19
Gosford aerial showing revitalisation and development of the Central Coast hub

Business Centres

Gosford CBD and waterfront


Gosford is the Capital of the Central Coast.

Situated on the shores of Brisbane Water and an hour by train from Sydney, Gosford is a major public transport hub with rail and bus interchange and direct road links to Sydney and all other areas within the region.

The CBD and surrounds is presently undergoing a major transformation that is seeing and will see significant investment in residential and commercial developments in the short and medium term.

Professional and commercial services – Professional and commercial services within the CBD include all major trading banks as well as building societies, credit unions and mortgage brokers. Professional services include lawyers, accountants, insurance brokers, real estate agents, property valuers, investment advisers and financial planners.

Retail - Gosford’s retail precinct comprises the Imperial Shopping Centre and other retail stores servicing those working in the CBD as well as residents and the many thousands who visit daily to access medical and social services.

Education – Schools within the CBD area include Gosford High School - an academically selective high school, Henry Kendall High School, Gosford Primary School and Gosford TAFE.

Nearby is Central Coast Grammar School, St Edward’s Christian Brothers College, St Joseph’s Catholic College and Central Coast Adventist School.

Government Services - A number of state government departments and agencies have offices in Gosford including: Department of Planning and Environment, Department of Fair Trading, Gosford Court House, NSW Trustee and Guardian, National Parks and Wildlife Service, The Police Department’s Brisbane Water Local Area Command is headquartered in the CBD.

Government offices - Insurance and Care NSW (icare), the State Insurance Regulatory Authority (SIRA) and SafeWork NSW, Long Service Leave Corporation.

A branch of the Australian Taxation Office employing 600 staff was opened in late 2017. The NSW Financial Services Department will relocate to a new office building currently under construction in early 2019

Health - Gosford is a major centre for medical and health services in the region.

A new 484 bed Gosford Hospital that will deliver next generation health services was opened in June 2018.

Medical Research Institute and Medical School - As part of the hospital redevelopment the University of Newcastle will establish a new $72.5 million Medical Research Institute and Medical School within the hospital precinct.

Gosford Private Hospital, owned by the Healthe Care Group is nearby with an adjoining Specialist Centre.

Numerous medical specialists and paramedical services operate in and around the CBD.

Gosford Hospital.  Completed in mid-2018 at a cost of $368 million

Gosford Hospital. Completed in mid-2018 at a cost of $368 million

NRMA Contact Centre – Gosford

NRMA Contact Centre – Gosford

Contact Centres - Major corporations have established Contact Centres in the CBD in recent years, they include: NRMA, Qantas, NIB Health Insurance and ANZ Wealth, Suncorp.

Digital and Creative Businesses – The NBN supports a growing number of digital and creative businesses in the CBD.

Sport - The 20,000-seat Central Coast Stadium, overlooking Brisbane Water, is regarded as one of the finest stadiums in Australia. Gosford Golf Club and Gosford Race Club are located on the perimeter of the CBD.

Residential – High rise residential construction, within and adjacent to the CBD, will see a substantial increase in the population on the next few years.

Safety – Crime rates in the CBD have declined in recent years by as much as 30% under innovative policing strategies that involves active community participation.

Fusion Office Furniture Stevens Construction CKDS Architecture

West Gosford

West Gosford is located on the Central Coast Highway at the gateway to the Central Coast and bordering Gosford CBD.

Accommodation – four motels are located on this road along with the Gosford RSL Club a leading entertainment venue. This Club is planning a major rebuild and has lodged a DA with Council for a $31 million development on their site.

West Gosford is a composite of retail, bulky goods retail and commercial suburb as well as retaining a light industrial area.

Riverside Park features a 4-level office tower as part of a bulky goods retail complex.

Gosford Classic Car Museum the largest car museum in the Southern Hemisphere and houses some 450 cars valued at over $70 million is a major tourist attraction in the region.

West Gosford Shopping Centre caters for local residents and business in surrounding areas.

Bulky Goods retailers include: Officeworks, Domain, Spotlight, Bunnings Warehouse and Riverside Park Homemaker Centre.

Light industrial Area - An extensive light industrial area makes up a large part of the West Gosford precinct.

Image showing proposed $31 million redevelopment of the Gosford RSL Club

Image showing proposed $31 million redevelopment of the Gosford RSL Club

West Gosford showing Riverside Park in foreground, West Gosford Shopping Centre and Gosford Classic Car Museum (far left)

West Gosford showing Riverside Park in foreground, West Gosford Shopping Centre and Gosford Classic Car Museum (far left)



Erina is situated on the Central Coast Highway, the main arterial road to the Region’s beaches, and is 5.5 kilometres from Gosford.

Within the Erina business precinct is the regional shopping centre Erina Fair, commercial and retail developments and a light industrial area. Surrounding the business area is a number of retirement villages along with a residential area that has developed over the past twenty years.

Retail - Erina Fair Shopping Centre, the 20th largest shopping centre in Australia attracting some 12 million people each year.

Also located in Erina are discount retailer, Harvey Norman and some twenty other national brand name furniture and electrical retailers. Home renovation retailers and interior design consultants also have premises in Erina.

This grouping of homeware retailers provides an unusual critical mass making Erina a magnet for home buyers and renovators.

Commercial - Most developments in Erina are a mix of retail and commercial with Fountain Plaza and adjacent Platinum and Fountain Corporate being regarded as the leading commercial complexes on the Central Coast.

Commercial services in Erina and Erina Fair include banking and financial services, lawyers, accountants, finance brokers and insurance brokers

Medical - Due to its convenient location Erina has attracted a large number of medical and para medical services.

Digital and Creative Business – Digital and creative businesses located in Erina include: Sterland Computing, Graphic by Design and managed and cloud hosting company UltraServe Internet.

Education – Public schools at Erina include Erina High School and Woodport Primary School. Also at Erina are Central Coast Adventist School and Central Coast Grammar School at Erina Heights.

Retirement Living – A number of retirement villages that cater for high net worth retirees are well established in Erina.

Fountain Plaza/Platinum Precinct – Erina

Fountain Plaza/Platinum Precinct – Erina

The Peninsula

Woy Woy, Ettalong Beach and Umina Beach make up the area known as The Peninsula – a unique residential and holiday area in the south of the region. It appears isolated from the rest of the region due to the large expanse of Brisbane Water that surrounds and separates it from other town centres; however, this is regarded as its greatest asset.

Woy Woy

Woy Woy is situated on the shores of Brisbane Water and is a retail and commercial centre servicing The Peninsula. It is also The Peninsula’s public transport hub with rail, bus and ferry services converging to service the area.

Two shopping centres are located at Woy Woy: Deepwater Plaza Shopping Centre and a smaller centre, Peninsula Plaza.

Commercial services at Woy Woy include all major trading banks, lawyers and accountants. Brisbane Water Private Hospital services the whole Central Coast region.

Ettalong Beach

Ettalong Beach, situated at the entrance to Brisbane Water, is traditionally a tourism area, although for many years it has seen a permanent residential population take hold. The tourism market is supported by Mantra Ettalong Beach Resort and adjoining Ettalong Diggers Club.

A scheduled passenger ferry service operates between Ettalong Beach and Palm Beach.

Umina Beach

In recent years Umina Beach Town Centre has been transformed into a strong destination retail precinct with major retailers Woolworths, Coles, Aldi and Bunnings being located in the main shopping strip.

The retail offer at Umina Beach is now such that it attracts customers from a much wider area that includes Kariong and Empire Bay.

With the NRMA owned Ocean Beach Caravan Park and other holiday accommodation in the area, Umina Beach attracts a strong seasonal tourist population.


Tuggerah is geographically at the centre of the Central Coast region and is located at the convergence of the Pacific Highway, the M1 Motorway and Wyong Road (which leads to the coastal suburbs) and the main northern rail line. It is therefore a major public transport hub.

Retail - Comprised within the Tuggerah precinct is the major regional shopping centre Westfield, Tuggerah Super Centre, Bunnings Warehouse and other major discount retailers.

Commercial – The Central Coast Mariners Football Club’s headquarters is located in their Centre of Excellence building, a 7-level commercial building that comprises commercial and professional service businesses and medical centre.

Additional commercial and professional services are also located in Tuggerah Business Park, opposite (for further information about Tuggerah Business Park, see Industrial Areas).

Central Coast Mariners Football Club Centre of Excellence Building, Tuggerah

Residential - Also making up part of the Tuggerah precinct is the Mardi Woodbury Park Estate residential area with a population of about 4,000.

Education - St Peter’s Catholic College is a well established school servicing an extensive area of the Central Coast region.

Banking and commercial services at Tuggerah include all major banks, building societies and credit unions in Westfield Shopping Centre.

A number of accountants, lawyers, insurance brokers, property valuers, surveyors and consulting engineers are located in the Tuggerah Business Park.


Central Coast Council is currently building a $23 million Regional Sporting and Recreation Complex on 18.28 hectares of land near Tuggerah Railway Station with Stage 1 to be completed in 2018.

The Central Coast Mariners Football Club’s unique training fields and Centre of Excellence, is located adjacent to their headquarters

Tuggerah Industrial Area – This industrial area forms a link between Tuggerah and Wyong with a large number of light industrial businesses. (for further information about Tuggerah Industrial Area see Industrial Areas).

Tuggerah Regional Sporting Complex multi purpose indoor centre

Image Tuggerah Regional Sporting Complex multi purpose indoor centre at a cost of $23 million. Stage 1 which comprises playing fields and facilities is due for completion late 2018.

Central Coast Mariners Centre of Excellence and commercial office building

Central Coast Mariners Centre of Excellence and commercial office building. It forms the centrepiece of the Mariners’ unique training facilities that includes pitches, sports courts, heated aquatic centre and medical centre.

Westfield Shopping Centre Tuggerah

Westfield Shopping Centre Tuggerah

North Construction RedEye Constructions


Wyong is a transport hub for rail and feeder-bus services from outlying northern Central Coast areas including Warnervale, Toukley and Budgewoi.

Central Coast Council’s northern administration office is at Wyong.

The town centre’s main retail offering is Wyong Village Shopping Centre and an Aldi Supermarket.

Banking and commercial services in Wyong include a Bendigo Bank branch as well as lawyers and accountants.

Mercure Kooindah Waters Residential Golf & Spa Resort is located a few kilometers from the Town Centre and comprises an 18-hole championship golf course, golf club and 100-room luxury resort surrounded by a home residential development.

Wyong Race Club and Wyong Golf Course are both adjacent to the Town Centre.

The Entrance

Situated at the entrance to Tuggerah Lakes, The Entrance is traditionally the Central Coast’s leading holiday area. The Entrance is well known for its many cafés overlooking the foreshore and entrance to Tuggerah Lakes.

Business and commercial services include major trading banks and building societies, lawyers and accountants.

Accor Group owns and operates a Pullman 59-room 5-star Resort Hotel and Conference Centre at Magenta Shores at North Entrance. The resort includes an 18-hole championship golf course which has been rated in Australia’s top ten leading golf courses, and is surrounded by luxury residential villas and homes.


The Toukley Town Centre is 14 kilometres north of Wyong and is situated between Tuggerah Lake and Budgewoi Lake.

Toukley services a residential area that extends to Norah Head. It is on the main road leading from the M1 Motorway through to the Coast. The main arterial coastal road (Central Coast Highway and Wilfred Barrett Drive) links Gosford and The Entrance to Toukley.

Toukley’s retail offering consists of strip shops that include Coles and Aldi supermarkets.

Toukley has become a centre for a wide range of medical services.

The Toukley RSL Club is the largest business in the town.

Business and commercial services in Toukley include Commonwealth and ANZ banks, building societies, credit unions, lawyers and accountants.



Terrigal is one of the best known holiday spots for high yield visitors featuring Crowne Plaza Terrigal hotel and Star of the Sea resort and a large choice of restaurants and cafes.

As well as being a base for charter fishing operators it is also popular with scuba divers and the resting place of the former warship HMAS Adelaide which is a well established dive-site.

Over the past three years a number of residential developments have been built including Pine Tree Lane Apartments and Rockpool. Ocean Edge in Campbell Crescent is a two-tower retail and residential development in Campbell Crescent with construction completing in late 2018.

Avanti, a development with 14 luxury residences in Painters Lane will be completed in late 2018.

The most significant residential project in Terrigal in almost twenty years is Elysiym which is being developed by Central Real (see page 9). Elysium comprises 64 luxury apartments with resort facilities in a 4-building gated complex and is due for completion in late 2019.

Terrigal, Central Coast NSW

Terrigal – left foreground shows Avanti Apartments nearing completion and right Ocean Edge Apartments nearing completion. Crowne Plaza Terrigal (centre) with Pine Tree Lane apartments and Rockpool developments, completed in 2017, to the rear of the hotel.