I would probably go to Avoca Rocks which is about 5-10min from Terrigal. It can get quite packed out but if you get there early morning then im sure you can get urself a decent spot. Just check the swell etc because that spot can be quite dangerous. Avoca has all the fish mentioned in your post. You can live bait there if there isn't too many ppl around, bottom bash or fish on the surface. I usually catch tailor, bream, salmon, bonnies there alot.l The last time i went there was around September 2010 and there wasn't any algae but bring cleats just incase. The entrance is always packed out these days and I find that quite discomforting to fish. Its overfished as well. Good luck, hope the info helps.