Angela Hanly Mortgage Choice

Angela Hanly Mortgage Choice Passionate about helping people achieve their property purchasing or refinancing goals.

Zero balance on your credit card? You might still be losing borrowing power! When you apply for a mortgage, lenders don’...
04/09/2026

Zero balance on your credit card? You might still be losing borrowing power!
When you apply for a mortgage, lenders don’t look at what you owe on your credit card. They assess your total credit limit as if it’s fully maxed out. That unused emergency card sitting in your drawer could be the very thing stopping you from getting pre-approved for your dream home!

📆 Book a free chat with Angela Hanly today.
📞 0481 979 189
📧 mortgagechoice.com.au/angela.hanly



Mortgage Choice Pty Ltd (ABN 57009161979, Australian Credit Licence 382869) is owned by REA Group Ltd. This information is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for you.

The basic home loan- lower interest rate and no ongoing fees- redraw available- limited flexibility for extra cashBest f...
02/09/2026

The basic home loan
- lower interest rate and no ongoing fees
- redraw available
- limited flexibility for extra cash
Best for set & forget borrowers with minimal cash savings

The offset home loan
- standard bank account linked to your mortgage
- every $1 = $1 less you pay interest on
- small monthly or annual package fee
Best for anyone holding savings or emergency funds

The offset in action
- loan amount $600,000
- cash in offset $30,000
- you only pay interest on $570,000
- potentially saving $50,000+ in interest and shaving years off your loan

Don’t avoid dollars to pay cents
Paying a $395 annual fee for an offset account that saves you $2,500/year in interest is a massive net win!

Let’s check your eligibility.

📆 Book a free chat with Angela Hanly today.
📞 0481 979 189
📧 mortgagechoice.com.au/angela.hanly



Mortgage Choice Pty Ltd (ABN 57009161979, Australian Credit Licence 382869) is owned by REA Group Ltd. This information is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for you.

Got an unused credit cardA $10k limit could be slashing up to $50k off your home loan borrowing powerYou: I owe $0 balan...
31/08/2026

Got an unused credit card
A $10k limit could be slashing up to $50k off your home loan borrowing power
You: I owe $0 balance so it won’t affect my application
Lenders: They have access to spend $10k tomorrow
Lenders assess credit cards based on the limit not your balance

Other capacity traps
- buy now pay later (afterpay/zip) accounts
- unused store cards and overdraft facilities attached to your savings account
- high credit card limits kept ‘for emergencies’

Before applying
- don’t close anything blindly yet
- get a full borrowing capacity review
- adjust limits strategically to unlock maximum funds

Want to squeeze every dollar out of your borrowing power?
Let’s review your scenario before you submit an application

📆 Book a free chat with Angela Hanly today
📞 0481 979 189
📧 mortgagechoice.com.au/angela.hanly



Mortgage Choice Pty Ltd (ABN 57009161979, Australian Credit Licence 382869) is owned by REA Group Ltd. This information is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for you.

Still saving for that elusive 20% deposit while paying rent? Let’s put an end to moving goalposts! The Australian Govern...
27/08/2026

Still saving for that elusive 20% deposit while paying rent?

Let’s put an end to moving goalposts! The Australian Government’s First Home Guarantee lets eligible first home buyers get into the market with as little as a 5% deposit - without paying a single cent in Lenders Mortgage Insurance (LMI).
That’s tens of thousands of dollars saved upfront!

📆 Book a free chat with Angela Hanly today.
📞 0481 979 189
📧 mortgagechoice.com.au/angela.hanly



Mortgage Choice Pty Ltd (ABN 57009161979, Australian Credit Licence 382869) is owned by REA Group Ltd. This information is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for you.

25/08/2026

The basic home loan
- lower interest rate and no ongoing fees
- redraw available
- limited flexibility for extra cash
Best for set & forget borrowers with minimal cash savings

The offset home loan
- standard bank account linked to your mortgage
- every $1 = $1 less you pay interest on
- small monthly or annual package fee
Best for anyone holding savings or emergency funds

The offset in action
- loan amount $600,000
- cash in offset $30,000
- you only pay interest on $570,000
- potentially saving $50,000+ in interest and shaving years off your loan

Don’t avoid dollars to pay cents
Paying a $395 annual fee for an offset account that saves you $2,500/year in interest is a massive net win!

Let’s check your eligibility.

📆 Book a free chat with Angela Hanly today.
📞 0481 979 189
📧 mortgagechoice.com.au/angela.hanly



Mortgage Choice Pty Ltd (ABN 57009161979, Australian Credit Licence 382869) is owned by REA Group Ltd. This information is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for you.

The RBA may have kept rates on hold ⏸️ this month, but you could still be paying more on your home loan than you need to...
11/08/2026

The RBA may have kept rates on hold ⏸️ this month, but you could still be paying more on your home loan than you need to. 🏡

If you’ve been meaning to review your home loan options, here's 20,000 more reasons to choose Mortgage Choice. When you apply to refinance your loan by 18 October, you’ll automatically go in the draw to win $20,000! 💸 Plus, if you attend an appointment with me by 20 September, you’ll also be in the running to win one of 10x weekly $1,000 prizes. 📅

Ready to see if you could be getting a better deal? Send me a DM to get started! Or call me (Angela Hanly) on 0481979189.

T&Cs apply. Minimum loan amount of $250,000.

23/07/2026

It's the classic chicken-and-egg question - and there's no one-size-fits-all answer. 🐔🥚
The right move depends on your risk tolerance and cash flow position.

🏷️ SELL FIRST
✅ You know exactly how much you have to spend
❌ You may need to rent or move temporarily if the search takes time

🔑 BUY FIRST
✅ Secure your next home the moment the right one appears
❌ You may carry two mortgages at once

The good news?
There are strategies - bridging finance and simultaneous settlements - that can give you the best of both worlds.
💬 Thinking about upgrading this year? Let's map out your equity position and find the right path forward.

Book a free chat with Angela to find out your equity position and find the right path forward.
📅 Book a free chat: mortgagechoice.com.au/angela.hanly
📞 0481 979 189
📧 [email protected]

Mortgage Choice Pty Ltd (ABN 57009161979, Australian Credit Licence 382869) is owned by REA Group Ltd. This information is intended to be of a general nature only. It has been prepared without taking into account any person's objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for you.

21/07/2026

🏡 Found your next home but haven't sold yet? Don't let that stop you.
A bridging loan could be the solution that lets you buy now and sell later - without the stress of trying to time both settlements perfectly.
Here's how it works:
✅ Covers both properties while you wait to sell
✅ Interest only repayments during the bridging period
✅ Up to 12 months to sell your current home
✅ Use your existing equity to make it happen

You don't have to choose between missing out on your next home or rushing to sell your current one. There's a smarter way. 🌉

Book a free chat with Angela to understand how a bridging loan can help you.
📅 Book a free chat: mortgagechoice.com.au/angela.hanly
📞 0481 979 189
📧 [email protected]

Mortgage Choice Pty Ltd (ABN 57009161979, Australian Credit Licence 382869) is owned by REA Group Ltd. This information is intended to be of a general nature only. It has been prepared without taking into account any person's objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for you.

16/07/2026

🏡 How to Rentvest Without the Stress
Rentvesting can be a smart way to enter the property market - but only when the numbers and strategy stack up. Here are 3 key things to consider before getting started:
✔️ Think Like a Tenant
Invest in areas with strong demand, low vacancy rates, and solid rental yield - not just places you’d personally like to live.
✔️ Build a Financial Buffer
Aim to have 3–6 months of expenses set aside to cover vacancies, maintenance, or unexpected costs.
✔️ Structure It Correctly
Before you buy, understand how lenders assess rental income and how the right loan structure can support your long-term goals. Getting it right upfront can save headaches later.
Ready to build a solid foundation for your property strategy?
👇 📅 Book a free chat with Angela Hanly today to review your borrowing power and options. 📩
📞 0481 979 189
📧 mortgagechoice.com.au/angela.hanly


Mortgage Choice Pty Ltd (ABN 57009161979, Australian Credit Licence 382869) is owned by REA Group Ltd. This information is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for you.

Rentvesting: The Honest Scorecard ⚖️Like any strategy, rentvesting isn’t a guaranteed win - it takes planning, disciplin...
14/07/2026

Rentvesting: The Honest Scorecard ⚖️
Like any strategy, rentvesting isn’t a guaranteed win - it takes planning, discipline, and the right advice.
The upside 👇
✅ Get into the market sooner with a smaller deposit
✅ Live where you want, not just where you can afford
✅ Potential tax benefits (chat to a professional first)
The trade-offs 👇
❌ Paying rent and a mortgage at the same time
❌ Missing out on most first home buyer incentives
❌ Capital gains tax may apply when you sell
The key? Understanding if it works for your situation
👇 📅 Book a free chat with Angela Hanly today.
📞 0481 979 189
📧 mortgagechoice.com.au/angela.hanly


Mortgage Choice Pty Ltd (ABN 57009161979, Australian Credit Licence 382869) is owned by REA Group Ltd. This information is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for you.

Address

1360 Pacific Highway Turramurra
Sydney, NSW
2074

Opening Hours

Monday 9am - 5:30am
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Angela Hanly Mortgage Choice posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category