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

The Central Coast is made up of 107 urban and rural suburbs and villages that are serviced by eleven Business Centres.

Their commercial characteristics are set out below to provide a snapshot of the region.


Gosford - The Capital of the Central Coast.

Situated on the shores of Brisbane Water and an hour by train north 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 significant investment in residential developments resulting in a growing residential population within a two kilometre radius of the CBD that will need to be serviced.

The NSW State Government’s Central Coast Regional Plan 2036 nominates Gosford as the Regional City. Significantly Gosford is located within the Regional Plan’s Southern Regional Growth Corridor which extends from the Somersby Industrial Estate in the west to Erina in the East.

Gosford City SEPP - In October 2018 the Minister for Planning, the Hon. Anthony Roberts approved measures for a State Environmental Planning Policy (Gosford City Centre) 2018 which establishes the statutory controls that recognise the state–significant importance of Gosford as a regional capital. The SEPP provides the overall zoning and development controls within Gosford City Centre.

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 commercial, professional, medical and social services.


Since opening in April 2019 the John Singleton backed Bon Pavilion, in Gosford has become the centrepiece of an emerging dining-out precinct in the CBD. Bon Pavilion features seven separate dining and drinking areas with Bonfire being an upscale restaurant headed by international chef Sean Connolly.

In the last year new restaurants and bars have opened including: South End Social café and bar, craft brewery Bay Rd Brewing, At Baker Street restaurant and bar, Mapo Galbi Korean BBQ, Recess Kitchen, Yai Thai Kitchen.

These new venues complement other well established venues offering a wide variety of cuisines: ReviveR Bar, Pinocchios Wine & Pizza Bar, Byblos Restaurant & Bar, New Sushi Maru, Tokyo Sushi, Chili Basil Thai Restaurant, Hotel Gosford 1926 Brasserie, Alexander’s Townhouse, The Good Bits Co, Alberts Line.

The Central Coast Leagues Club offers a wide range of dining, drinking and entertainment options.

The owners of the Hotel Gosford are undertaking a $7 million refurbishment of the hotel which will be completed in early 2020 further adding to Gosford’s emerging dining precinct.

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

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

Gosford Private Hospital, owned by the Healthe Care Group is nearby with an adjoining Specialist Centre. In mid-2019 Healthe Care announced plans for a $32 million redevelopment of Gosford Private.

In February 2019 AA Crown Holdings and North Side Group announced plans for the development of a new $350 million private hospital facility in Gosford to be operated by Ramsay Health Care. In addition a Central Coast developer announced that they would develop a $50 million consulting specialists facility adjacent to the hospital.

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

Research Institute and Medical School - The University of Newcastle’s Faculty of Health and Medicine is establishing the Central Coast Research Institute and Medical School within the Gosford Hospital Precinct. This is a $72.5 million project due to open in early 2021.

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.

In March 2019 the University of Newcastle has announced that it will establish a $250 million Gosford Campus in the CBD offering a range of business, law and communications courses.

Contact Centres - Major corporations have established Contact Centres in the Gosford CBD. They include: APIA, NRMA Membership Services, NRMA Roadside Service, Qantas Assure, nib Health Funds, ANZ Wealth, SafeWork NSW, NSW Long Service Leave Corporation.

Digital and Creative Businesses – The NBN supports a growing number of digital and creative businesses in the CBD with Fibre-to-the-Premises service.

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. Gosford Sailing Club is located near the Gosford Boat Harbour.

Residential – High rise residential construction, within a radius of two kilometres of the CBD, will see a substantial increase in the population on the next few years.

Late 2018 and during 2019 around ten high rise residential apartment buildings were completed. A similar number were under construction in late 2019. Other developments are in the planning stage.

Red Eye 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.

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.

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

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

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

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

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.

North Construction


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, is the 22nd 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 and Element 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.

Central Coast Day Hospital specialises in eye surgery procedures, a number of eye specialists are located close by. I-MED Radiology Network, Medical Imaging Erina and PRP Diagnostic Imaging have facilities in Erina. Other medical services include; skin cancer clinics, dentists, general practitioners and specialists.

Digital and Creative Business – A number of digital and creative businesses are located in Erina they include: Sterland Computing, Graphic by Design and KDR Graphics.

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. Retire Australia operates Tarragal Glen Retirement Village, Tarragal Manor and Wood Glen Retirement Village. The Rise at Wood Glen will comprise 58 premium apartments when completed. Other retirement living alternatives are Pine Needles Lifestyle Estate, Green Life Erina and Karalta Court Erina.

Aged Care - Facilities include Aurrum Aged Care, Woodport Aged Care Centre and Hammond Care.

Fountain Plaza/Platinum Precinct – Erina

Platinum building in Erina

Fountain Plaza/Platinum Precinct – Erina

Element building in Erina


Tuggerah is geographically at the centre of the Central Coast region and is located 4 kms south of Wyong Town Centre and 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 servicing the region.

Future Growth

In February 2019 the State Government announced that it had received a proposal from Scentre Group and its partners for a $2.1 billion redevelopment and expansion of its Westfield Tuggerah site in conjunction with $700 million of infrastructure works to transform the broader town centre.

Retail - Comprised within the Tuggerah precinct is the major regional shopping centre Westfield Tuggerah, 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, (for further information about Tuggerah Business Park, see Industrial Areas).


Central Coast Council is currently building a $23 million Regional Sporting and Recreation Complex on 18.28 hectares of land near Tuggerah Railway Station. Stage 1 was completed during 2019.

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).

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.

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).



Wyong Town Centre 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.

An emerging dining precinct is becoming evident in the Town Centre supported by entertainment venues The Art House and Royal Hotel which offers theatre restaurant style entertainment.

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 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.


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.

It is also a popular base for scuba divers and the resting place of the former warship HMAS Adelaide which is a popular dive-site.

Numerous luxury residential apartments have been built in Terrigal and the popular location continues to see more similar developments.

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.