Mortgage Choice logo
Phil Wheatley

Your Local Mortgage Broker in Menai, servicing the Sutherland Shire & surrounds

It's likely you can save money on your loan by shopping around. With over 20 lenders and hundreds of loans to choose from, our team at Mortgage Choice in Menai are your personal loan shoppers, working to find you the best deal.
  • Call Us Mortgage Choice Menai
  • Office - 02 9541 1477
  • Open Hours Mortgage Choice Menai
  • Monday, Tuesday, Thursday, Friday 9:00am - 5:00pm
    Wednesdays 9:00am - 7:00pm
    After hours by appointment
  • Free Appointment

Suite 14b, 62-70 Allison Crescent MENAI, NSW 2234
Latest home loan interest rates
Starting from
Comparison rate

Start your home loan journey today

Top-rated Mortgage Brokers Menai & Sutherland Shire

Our team at Mortgage Choice in Menai are committed to getting you the right loan for your first home, investment property, a new car or business needs. We'll do the shopping around for you, negotiating with lenders on your behalf to get the best deal.


Our team not only find you the right loan but save you time by completing all the paperwork and following up for you. That means you can spend your time on what's important and not chasing the progress of your home loan (leave that to us!).

About our team at Mortgage Choice in Menai

Mortgage Choice Menai is a leading mortgage broking & financial advice franchise owned and operated by Phil & Suzy Wheatley.

With over 25 years in banking and finance, Phil brings significant experience to the financial services sector. It’s this experience that allows Mortgage Choice in Menai to deliver exceptional customer service on a consistent basis

Follow us on Facebook

Why use Mortgage Choice in Menai?

We do the work for you

A "simple" loan transaction will - on average - generate 30 individual phone calls, 20 individual emails and 6 individual faxes. It takes up a lot of time, time that you may not have. We do!

Our team help our customers through the entire loan process by doing the shopping around, completing the paperwork and making every phone call on your behalf. We can often overcome common pitfalls and anticipate issues before they arise! 

Over 70% of our business comes from happy, repeat customers

It's what makes our business a success! A lot of our business comes from customers who have dealt with us in the past, and understand how much time & money we can save them. Hear more of what our customers say about us.

"Phil & Suzy have been a tremendous help in organising my home loan. They are very professional and diligent and took care of everything for me. I would highly recommend them." [ A. Jurmann, Crows Nest ]

We are mobile & convenient

While our office is conveniently located in Menai, we are a mobile team and happy to come and see you whenever you need, throughout the Sutherland shire & surrounds. We service many overseas and interstate customers, as well as anyone from our local area.

Visit our office at 14b / 62-70 Allison Crescent in Menai 2234

*COVID-19 update: We are currently helping our clients via phone, SMS and video chat! You don't have to leave your home to get your loan approved! It's the same great finance service available to you during lock-down or quarantine.

Ready to get started?

Find out for yourself why our customers are so happy. We'll make your next purchase an easy one. Call us today on 02 9541 1477 or call Phil directly on 0431 415 311.

What can our mortgage brokers help you with?

What is your borrowing power? 

When you're ready to purchase a property, it's important to have a pretty good understanding of how much you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy to use home loan calculators here or get in touch with Phil Wheatley to discuss your unique situation.

"Phil and Suzy have been outstanding. They were able to help us navigate through all the mess and now we have a beautiful home that is fully renovated. They handled everything for us and made the whole process so easy. You have changed my family life forever."
[ Jason & Rochelle ]

There is no cost to you for our home loan service

One of the things people love most about using the services of a mortgage broker is that it comes at no cost. That's because the lender/bank will pay us a commission after your loan settles. That ensures we're focused on the right outcome for you and not for us.

We also have a variety of free resources at your disposal. Check out our range of property guides, home loan calculators and articles on the Sydney property market. 

Download it now

Home Loan Calculators

If you're ready to submit an offer on a property, then get in touch with Mortgage Choice Menai. 

Servicing suburbs Alfords Point, Bangor, Barden Ridge, Bonnet Bay, Como, Engadine, Grays Point, Heathcote, Illawong, Jannali, Kangaroo Point, Kareela, Kirrawee, Loftus, Lucas Heights, Menai, Oyster Bay, Sutherland, Sylvania, Sylvania Waters, Waterfall, Woronora, Woronora Heights, Yarrawarrah.

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Google Reviews


02 Jun 2022

Once again Phil and Suzy have guided us through the loan process, this time it was a loan for a Self Managed Super Fund investment property. We have dealt with Phil and Suzy a f...

anil pradhan

10 May 2022

To be VERY transparent, I was first hesitant in going to a mortgage broker. I have always preferred to deal directly with banks regarding home loans/finances. However this all c...

Lyall Gorman

12 Apr 2022

Absolutely outstanding service, support and friendship over many, many years. Phil and Suzy are the ultimate professionals and I would recommend them to anyone. First class and...

Caitlin Power

07 Apr 2022

Thank you!! Phil and Suzy at Mortgage Choice Menai went above and beyond. Answered my silly questions, and provided great advice. Thank you for helping me purchase my first home...

Jason Fechner

24 Feb 2022

Phil & Suzy have been excellent to deal with, arranging an approval and settlement on an interstate investment property during the XMAS/New Year holiday period. Highly recommend

Ben Wakefield

23 Feb 2022

Extremely happy with Suzy and Phil. Great communication, always responded to our emails, and got us a good deal.

Sophie Warke

22 Feb 2022

Thank you so much Phil and Suzie for your tremendous help in refinancing our existing home loan and organising our new home loan. The whole process was efficient, uneventful and...

Ross Montague

22 Feb 2022

Thank you so much for your help Phil and Suzy, we couldn't have done it without you! From the outset, you were honest, trustworthy and reliable. You made the process of securing...

Ryan Cronin

12 Dec 2021

This is the second time we have used mortgage choice at Menai and cannot speak highly enough of the advice and service provided by Phil and Suzy. We have even moved to WA and st...

Dianne Anderson

25 Nov 2021

Thank you Phil for sorting out the issues we had with our loan. Appreciate all you have done for us recently and in the past

Dianne Horn

05 Oct 2021

Phil & Suzy at Mortgage Choice Menai are a brilliant team. They looked after all the “hard stuff” and guided us through our home buying process with immense patience. ( Yes, we...

Simon patsimorl

07 Sep 2021

Its been a pleasure working with Phil and Suzy. A special thank you for making the process so seamless and always keeping me informed of the progress. Very patient and easy to t...

Kylie Baker

06 Sep 2021

Phil and Suzie at Mortgage Choice Menai went above and beyond to ensure our Mortgage and purchase was smooth and on time. They truly are a fantastic team. I would highly recomm...

Steven Moran

31 Aug 2021

Phil & Suzy were amazing from start to finish, with their help we were able to purchase our dream retirement home without selling our current home. They refinanced everything fo...

Allan Baffour

31 Aug 2021

Best services ever from Phil,Suzy and the rest of the team.


04 Jul 2021

I would like to say thank you to Mortgage Choice in assisting me to secure my first home. Using Mortgage choice ensured the process was seamless and I appreciated the explanati...

Mary Studdert

02 Jun 2021

Thank you Phil and Suzie for making my entry into investment stress free. I like being able to visit and discuss my enquiries to likeminded individuals. They humanized the proce...

Tamara Daintry

29 Apr 2021

Thank you Phil and Suzy for your assistance with getting a loan to purchase our first property. You made the process easy and stress free.

Darren Woods

22 Apr 2021

Very helpful friendly people. Service is excellent. Recommended 100%

Josh Godkin

17 Mar 2021

Stress free and excellent communication. Phil and Suzy were both a pleasure to deal with. Their ability to communicate important information was outstanding and they went above...

Emma Johnson

13 Mar 2021

We highly recommend Mortgage Choice Menai. Being self-employed, small business owners, refinancing to renovate our home was always going to be a complicated process however, Phi...

Amanda Halse

24 Feb 2021

I would like to thank Phil and Suzy for making the process of refinancing and increasing our mortgage so simple and seamless. They were professional and friendly at all times. W...

Kate Ford

25 Jan 2021

Phil and Suzy did a remarkable job guiding us and supporting us throughout the process of purchasing our own home. From the initial meeting through to settlement, Phil and Suzy...

John Ward

17 Dec 2020

Great service and very helpful. Phil and Suzy have helped us out on two occasions in securing the best home loan for us. Highly recommended! Thanks again Phil and Suzy!

Denton Sch

07 Oct 2020

Thanks to Morgage Choice Menai for all their help in finding us a new lower rate home loan. We were always kept up to date, and all our questions were answered. Thanks again Phi...

Sophie Morris

05 Oct 2020

I would like to thank mortgage choice at Menai for their wonderful help in getting a Loan on a property. They have been fantastic through the whole process and I would highly re...

Fiona Owens

26 Aug 2020

Phil and Suzy have continued to provided exceptional , quality service over the last few years I have been dealing with them . They are clearly experts in their field and I woul...

Dean Selby

20 Aug 2020

I would just like to thank Phil and Susy for getting me my home loan. It was the first time I have used a broker and I found the whole process worthwhile. It was simple and hass...

Melanie Cuthbertson

11 Aug 2020

Phil and Suzy from Mortgage Choice were brilliant. We felt very well looked after in buying our first home. Phil gave excellent practical advice and patiently answered all my ma...

Lou Chandler

07 Jul 2020

Highly recommend Phil and Suzy at Mortgage Choice Menai. Exceptional service throughout and made the whole process streamlined and without issue. Thanks again..

Blake Powell

07 Jun 2020

Working with Phill and Suzy had been an absolute pleasure. Since meeting with Phill I could tell he was very genuine and trustworthy, he has helped me understand everything invo...

Adrian Stufano

05 Mar 2020

I’ve used their service twice now and I have no complaints the service is professional and they deliver great results. The office location is nice and the brokers are informativ...

See all Google reviews

We recently dealt with Phil Wheatley for an investment house and land package, and found him to be professional, prompt and thorough from beginning to end. He explained the processes, offered options and was always available to assist us. He gave us choices and lead us to select the right option for our needs. He kept things simple and in basic terms so we understood exactly what we need to. I would not hesitate in recommending Phil and Mortgage Choice. Thanks for everything... you made what we thought was going to be very complicated, very simple and easy.

C Nicholas, Echuca,

Phil was amazing with getting our loan, he made it all go smoothly.
Thank you Phil

V Iles, Menai,

Phil & Suzy have been a tremendous help in organising my home loan. They are very professional and diligent and took care of everything for me. I would highly recommend them.

A Jurmann, Crows Nest ,

Your service is honest, straight forward and reliable. I am referring our son and partner to you to look at getting a loan for a property very soon.

W Donovan, Menai,

Working with Phil and Suzy in regards to a Business loan was a pleasure. We would highly recommend them to friends and family. We will definitely be back when the time comes to borrow again. Thanks guys

B Franzeskow, Illawong NSW,

Excellent service and always available to answer my queries. Nothing was too much trouble for you. Really appreciate your patience and the help I received to understand the process of applying for my first home loan. Your knowledge and assistance was invaluable to me. Thank you Phil.

C Price, 2261,

We contacted Phil to help us to refinance our current investment home loan and to finance a new investment property as well. From our first conversation through to finalising our loans, Phil was extremely helpful and able to answer every question we had throughout the process. After going through this process directly with a lender before, we are so happy that we chose to use a mortgage choice broker this time around.

L Maidment, Jannali,

We spoke with Phil when my partner and I were looking to purchase our first home.
We found him very friendly and very informative and he had a wide range of options for us to consider and explore.
Phil was able to help us find exactly what worked for us, with minimal fuss, time or effort.
We are now proud home owners.

K Hobbs, Bomaderry,

Phil and Suzy were very helpful in arranging finance for our investment property . Nothing was a bother when we changed our minds on multiple occasions.

C Howell, Jannali,

Thank you Phil and Suzy. We were extremely happy with your service. You couldn't have worked harder on our behalf and we really appreciate the work involved with getting our bank approval and house purchase acrosss the line. We would never had done it on our own. You were professional, efficient and friendly every step along a very stressful time.
We look forward to dealing with you in the future. Thank you.

L Borg, Ashbury,

Phil and Suzy were amazing and got me approval for my home loan so fast and at a very low interest rate.
I had been having bank issues and they took all of the stress off of me and got me a better deal. I will be using Mortgage Choice in Menai from now on.

S O'Hanlon, Cordeaux Heights ,

We turned to Mortgage Choice Menai when our broker of 17 years stated that banks couldn't help in funding our renovation in full. Phil and Suzy have been outstanding. Phil was able to help us navigate through all the mess and we now today have a beautiful home that is fully renovated. The have handled everything for us and this has made the whole process so easy. Thanks to Phil and Suzy at Mortgage Choice Menai. You have change my family life for ever. I would recommend using Phil and Suzy for all your mortgage needs. Cheers Jason and Rochelle

J & R Johnston , Bangor,

Phil and Suzy at Mortgage Choice Menai were easy to deal with and very accommodating to our requirements. I would recommend them to anyone who needs financial advice.

J Sinikoski, Bangor,

Thank you Phil and Suzy for being most professional and understanding with the recent refinancing of our investment property. We cannot believe how easy you made the process and you certainly saved us much stress with us not having to approach all the lending bodies ourselves. Why would anyone not choose a comprehensive and knowledgable team like Mortgage Choice Menai? With dealing with banks directly, Mortgage Choice Menai were able to seek all the facts and figures at their fingertips, without us having to step foot inside a bank and go through the tedious refinancing interviews, appointments, back and forth phone conversations. Phil and Suzy with their calm and approachable manner seamlessly set up our new finance and also followed through right up to organising settlement. Great job, we would seek their services again without hesitation.

J Hone, Barden Ridge,

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

Download now


Help me calculate

Latest news & tips

More articles

Contact us