Resources to help you achieve your financial goals.
Is your home loan competitve?
Most people don’t think about their interest rate after setting up their home loan. Use our calculator to see if your rate is optimal based on your balance, repayment amount, and remaining loan term.
How much can I borrow?
Borrowing power is the maximum amount of money a lender will permit you to borrow based on your financial situation and creditworthiness.
Buying and Selling Costs
Accurately estimate total costs for buying or selling a property with our intuitive calculator.
Loan Repayment Calculator
Using the Loan Repayment Calculator empowers you to understand your borrowing capacity, plan your budget, and ensure that you select a loan that aligns with your financial goals.
Rent or Buy Calculator
Exploring Home Ownership: Is It Right for You?
Savings Plan Calculator
How Much Do You Need for a Deposit?
Frequency Calculator
What if.... I made my loan payment fortnightly instead of monthly?
Questions? We’ve got plenty of answers.
If you’re having trouble finding what you need, don’t hesitate to reach out to us. We’re just an email or phone call away and ready to help with any questions you have.
What does a mortgage broker do?
A mortgage broker is your financial matchmaker, connecting you with the perfect loan from a range of lenders. We make the process of finding and securing a loan simple and stress-free.
How does a mortgage broker get paid?
Mortgage brokers are typically paid a commission by the lender once the loan is settled. This means our services come at no cost to you.
Why should I use a mortgage broker instead of going directly to a bank?
Using a mortgage broker gives you access to a wide range of loan products from various lenders, ensuring you get the best deal possible. We provide personalized advice and support every step of the way.
Do I need to pay upfront fees to a mortgage broker?
Some brokers may charge upfront fees, but at Heart Financial, we are paid by the lender through commissions, so there are no upfront costs for you.
How do I know if I'm eligible for a loan?
Our experienced brokers can assess your eligibility for a loan based on your individual circumstances. We provide tailored advice to help you improve your chances of approval.
How long does the loan approval process take?
The loan approval process can vary, but we work efficiently to ensure a quick turnaround time. We keep you informed at every stage of the process.
Can I use a mortgage broker if I have bad credit?
Yes, we work with lenders who specialize in bad credit loans. We can help you find a suitable loan based on your overall financial situation.
Do I need to use a mortgage broker to get a loan?
While you’re not required to use a broker, our services can save you time and hassle. We have access to a wide range of lenders and can help you find the best loan for your needs.
What documents do I need to provide to a mortgage broker?
You’ll typically need to provide documents such as proof of income, identification, and details of your assets and liabilities. We’ll guide you through the process and let you know exactly what’s required.
Can a mortgage broker help me refinance my existing loan?
Yes, we can help you refinance your existing loan to get a better deal. We’ll assess your current loan and financial situation to determine if refinancing is right for you.
Let’s achieve your finance and property goals, together.
Book a time with us