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Holly Mackie - Mortgage Express

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Australia
Perth, WA
Holly Mackie - Mortgage Express

Financial Consultant with access to over 30 lenders, providing home loan and mortgage advice and ass

Finance Consultant: MFAA Full Member

"I am committed to striving for successful outcomes for every client while guiding them through the entire process." Holly Mackie has had a long association with the financial services industry since her early days studying accountancy and later running her own businesses in tourism and retail. Through 24 years overall in the finance industry Holly has gained

significant knowledge and understanding of the varied financial needs of clients from all backgrounds. Holly takes very seriously the trust given to her by clients to ensure their home ownership dreams are realised. She is committed to striving for successful outcomes for every client while guiding them through the entire process. Buying or refinancing your loan can be very confusing and extremely stressful. Holly’s extensive experience helps clients find the lender that best suits their individual requirements, as one loan does not fit all. Holly is a full member of MFAA and holds a Diploma in Financial Services and has access to over 30 Lenders, ensuring the best and most professional outcome each and every time. Holly Mackie | ABN (Credit Representative Number 457219) is an Authorised Credit Representative of Astute Financial Management Pty Ltd | ACN 093 587 010 | Australian Credit Licence 364253

25/08/2026

This is exactly the kind of feedback that makes my day 💛

I know finance can feel overwhelming, so I always want my clients to feel like they’ve got someone in their corner from start to finish.

Your home loan journey should feel exactly like this.

18/08/2026

When did you last actually look at your home loan? 👀

If it's been more than two years, there's a good chance it could be working a lot harder for you.

In my experience, most people set and forget their loan, and it ends up costing them way more than it should.

Here are 5 things you should be checking on your home loan right now.

𝗜𝗳 𝗮𝗻𝘆 𝗼𝗳 𝘁𝗵𝗶𝘀 𝘀𝗼𝘂𝗻𝗱𝘀 𝗳𝗮𝗺𝗶𝗹𝗶𝗮𝗿, 𝗹𝗲𝘁'𝘀 𝘁𝗮𝗸𝗲 𝗮 𝗹𝗼𝗼𝗸 𝗮𝘁 𝘆𝗼𝘂𝗿 𝗹𝗼𝗮𝗻 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿.
📱0418 913 831
📧[email protected]
🌏https://www.mortgage-express.com.au/find-broker/holly-mackie/

11/08/2026

The RBA has kept the cash rate on hold at 4.35% today.

If you have been watching rates and wondering what you should be doing with your home loan, this can be a good time to check in rather than simply waiting for the next announcement.

Your lender, loan structure and current rate all matter, and there may be options worth looking at even when the cash rate has not changed.

If you are unsure whether your current loan is still working well for you, send me a message. I am always happy to have a look at where things are sitting and talk you through your options.

Give me a call anytime on 📲 0418 913 831.

05/08/2026

Thinking about buying or investing in Perth? Knowing what the market is doing right now could make all the difference. 🏡 ‌

The Perth property market has shifted significantly over the past few months, and keeping up with what's happening is one of the smartest things you can do before making a move. ‌

If you'd like to talk through what this means for your situation, I'm always happy to help. ‌

𝗚𝗲𝘁 𝗶𝗻 𝘁𝗼𝘂𝗰𝗵 𝘄𝗶𝘁𝗵 𝗺𝗲 𝘁𝗼𝗱𝗮𝘆!
📱0418 913 831
📧[email protected]
🌏https://www.mortgage-express.com.au/find-broker/holly-mackie/

30/07/2026

Buying your first home can feel confusing, especially when everyone seems to have an opinion on what you need before you can get started.

I hear things like, “I need a 20% deposit”, “I have other debt, so I probably won’t be approved” or “renting will always be cheaper” all the time. The reality is, it is rarely that black and white.

This article clears up some of the most common home-buying myths and explains what may actually be possible depending on your circumstances.

Have a read here:
https://www.mortgage-express.com.au/resources/first-home-buyer/australia-home-buying-myths-busted

If any of it sounds like you, send me a message. I’m always happy to have a chat and help you understand where you stand. No pressure, just clear advice 💬

23/07/2026

Thousands of homeowners are overpaying on their home loan right now without even knowing it. 🏡

That's where refinancing comes in. Refinancing simply means switching your existing home loan to a new one, either with your current lender or a different one. People do it for all sorts of reasons.

Here's when it might be worth considering: ‌
✅ Your fixed rate is about to expire
✅ You haven't reviewed your loan in the last 2 years
✅ You're paying more than you should be
✅ Your financial situation has changed ‌

And here's what it could do for you: ‌
💛 Lower your interest rate
💛 Reduce your monthly repayments
💛 Give you access to better loan features
💛 Help you pay your loan off faster

The right loan for you two years ago might not be the right loan for you today. ‌

📲 𝗚𝗲𝘁 𝗶𝗻 𝘁𝗼𝘂𝗰𝗵 𝘄𝗶𝘁𝗵 𝗺𝗲 𝘁𝗼𝗱𝗮𝘆 𝘁𝗼 𝗳𝗶𝗻𝗱 𝗼𝘂𝘁 𝗶𝗳 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝗸 𝗳𝗼𝗿 𝘆𝗼𝘂.
📱0418 913 831
📧[email protected]
🌏https://www.mortgage-express.com.au/find-broker/holly-mackie/

16/07/2026

If you've owned your home for a few years, you could be sitting on thousands of dollars in equity without even realising it. 🏡

Equity is simply the difference between what your home is worth and what you still owe on your loan. As your property value increases and your loan balance comes down, your equity grows too.

Depending on your circumstances, that equity could help you:
✅ Buy an investment property
✅ Renovate your home
✅ Consolidate higher-interest debt
✅ Help your children into the property market
✅ Create a financial buffer for life's bigger expenses

Many homeowners are surprised by how much equity they’ve built over the years.

𝗚𝗲𝘁 𝗶𝗻 𝘁𝗼𝘂𝗰𝗵 𝘄𝗶𝘁𝗵 𝗺𝗲 𝘁𝗼𝗱𝗮𝘆 to find out how much equity you may have and what your options could look like.
📱0418 913 831
📧[email protected]
🌏https://www.mortgage-express.com.au/find-broker/holly-mackie/

08/07/2026

Fixed, variable or split? It’s one of the big questions about home loans. 🏡
‌
Interest rates have been on quite a ride over the past few years.
‌
Here's a simple breakdown of all three options.
‌
Not sure which is right for you? I'm always happy to help.

𝗚𝗲𝘁 𝗶𝗻 𝘁𝗼𝘂𝗰𝗵 𝘄𝗶𝘁𝗵 𝗺𝗲 𝘁𝗼𝗱𝗮𝘆!
📱0418 913 831
📧[email protected]
🌏https://www.mortgage-express.com.au/find-broker/holly-mackie/

02/07/2026

Buying on a single income comes with its own set of challenges, but it's far from impossible. 🏡
‌
We've put together a full guide covering how to understand your borrowing power, what to do if your first home doesn't tick every box, government grants and schemes you may be eligible for, and alternative ways to get into the market sooner.

‌📰 𝗖𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝗿𝗲𝗮𝗱𝗶𝗻𝗴 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲👇
https://www.mortgage-express.com.au/resources/first-home-buyer/buying-a-property-on-a-single-income

23/06/2026

I'm still a little speechless. 🏆
‌
I was honoured to be recognised at the Harcourts Real Estate Australia National Awards.
‌
🥇 1st — Harcourts Financial Services Finance Consultant for Harcourts settled mortgages (by Value)
🥈 2nd — Harcourts Financial Services Finance Consultant for Harcourts settled mortgages (by Units)
‌
Behind every award is a client who trusted me with one of the biggest decisions of their life. That trust means everything.
‌
Thank you to my incredible clients and to the team at Mortgage Express (Australia) for your support. 💛
‌

Address

49 Boas Avenue, Joondalup
Perth, WA
6027

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61418913831

Website

http://mortgage-express.com.au/holly-mackie/

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