How lives have
been transformed.
Some words from our clients.

<span>Reliable, responsive</span>, and with you for the <span>long term.</span>
Customer Reviews

Reliable, responsive, and with you for the long term.

Client reviews are a testament to Heart Financial’s commitment to personalised service and expert guidance. We value the feedback that reflects our dedication to helping clients achieve their financial goals. These testimonials inspire us to continuously improve and innovate, making a positive impact on financial journeys. Explore our client reviews to see how we’ve transformed lives with empathy and expertise.

Their Journeys

More Reviews

Words are not enough to thank you and your team for the excellent job done for the settlement of our home to go smoothly. You and Catherine have made us really feel like family the way you’ll were so caring at the time when my children were in hospital, and we had the worry of the loan for buying our now new home and the stress of selling the old one. Again thanks once more for everything.

Faizal B

Jo and Catherine from Heart Financial provided exceptional service throughout the process of refinancing my mortgage.They were diligent in keeping me informed at every step, ensuring a smooth and stress-free experience. Their expertise and dedication made the entire process seamless. I highly recommend Heart Financial to anyone in need of financial guidance. Thank you, Jo and Catherine, for your outstanding support!
Google Review

Katrina DE

My husband and I have been clients of Heart Financial for over seven years, and from the start, we experienced their exceptional professionalism and genuine care….Their commitment to excellent service has greatly impacted our financial journey. I highly recommend Heart Financial to anyone seeking a reliable and knowledgeable broker. We are very pleased with their service and look forward to continuing our partnership for years to come.
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Margarita G

We have been working with Jo and her team for nearly a decade, simply because they are exceptional at what they do. Client focused, diligent, knowledgeable – they deliver over and above expectations time and time again. We can’t thank Jo enough for helping us on our journey, ensuring our needs are met, and providing us with the product and information that best suits our changing needs. Thank you Jo and the team at Heart Financial, you guys really are the best and we feel such comfort knowing we are in the very best of hands!
Google Review

Mel H

I couldn’t rave enough about Jo Attard and her team at Heart Financial! As a first home buyer, I felt so supported and guided by Jo and Vanya the whole way through, and it was evident the team genuinely wanted the absolute best outcome for me and finding me the right property. Thankyou so much for answering my millions of questions, keeping me thoroughly updated throughout and holding my hand through the scary bits! XX a forever client Isabelle Bonaventura 🏠🔑❤️

Isabelle B

Jo, Ellie, Catherine and the team went over and above to make sure my loan refinance application was settled on a timely basis, met my personal needs and involved a smooth transition to a new provider. During the end to end process, they were very diligent and professional, resulting in a great client experience. Thank you Heart!

Wanda HM

Mine and my partners experience has been fantastic! Great service, prompt responses and a lot of knowledge!
Equally as important we found a place that will look at our personal situation and find the best fit, which is so rare.
Looking to the future wasn’t easy 4 years ago as a first home buyer, although with the experience and care we’ve had at Heart Financial, we have succeeded in making our dream come true.
Now to look at future endeavours!
Special shout out to Jo Attard.

Maria P

Where do I start? Joanne and her team at Heart Financial have been exceptional. Jo, Paige, Ellie, and the entire team are prompt with communication and responses, extremely organised, helpful, and truly provide a personalised broker experience. I chose Heart Financial for a planning strategy with the goal of obtaining a joint home loan with my partner…..I will definitely be returning to Heart Financial for my future endeavours, goal planning, and broker needs. Joanne, Paige, Ellie, and the team truly go above and beyond, and they have your best interests at heart (pun intended).
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Dean C

We had a great experience with Annie as our mortgage broker. The whole team made the experience as easy as possible. Excellent service provided, finding out exactly what loan products would suit our situation best and took most of the load off our shoulders to get it done.
Google Review

Ryan M

Heart Financial were so professional from start to finish with my Home Loan process. No question ever went unanswered and the staff couldn’t do enough for me. I’d highly recommend them to take all the pressure off yourself. Everything went smooth and settlement was very quick. You will not be disappointed ❤️
Google Review

Danielle V

I’m so thrilled to have secured my first home loan with Annie, she provided great guidance and support throughout the process. Buying property around Christmas was made easy by Annie and I can’t thank her enough for her commitment to helping me secure a home. Would absolutely recommend Annie and the team @ Jo Attard for any first home buyers ☺️
Google Review

Stephanie L

Annie has guided us since we first enquired back in mid 2020 and she really walked us through this entire process and we can now proudly say we are land owners and soon-to-be homeowners thanks to Annie, Janelle & Paige and the team at Heart Financial. Annie was always available for any questions we wanted to ask and we were right to 100% trust her throughout this process. Though there’s a lot of info / paperwork to work through, they really made it so much easier for us. Thank you for everything team!
Google Review

Rikka M

Heart Financial supported me to purchase my first home. The whole team, including Paige and Jo were professional, allowing their service to be clear to understand in an efficient, concise manner.
Working with the team, I felt they had my best interests in mind. They would take the time, listen to my concerns, providing guidance or advice on my scenarios while I still felt I wasn’t being pushed into decision.
Google Review

Andrew H

My previous broker chose a lender without really taking the time to explain to me why that Lender suited me. Jo Attard and her team could not have been more helpful, they took their time, to really understand my situation, and provide clear and concise information throughout the process along with regular updates. Most importantly, Jo and her team will always reach out regularly to do a health check and interest rate review without me needing to ask.. what a team! Well done to you all! Google Review

Etienne R

The Team at Jo Attard and Co are 100% A+++! Absolutely fantastic service and care for their clients! Super helpful in assisting me navigate the spider webs of my new mortgage! Thank you so so much for making it easy for me and taking out a lot of the stress! Will definitely be coming back if/when I need to refinance or for my next mortgage!

Shannon C

I cannot recommend Heart Financial highly enough! From start to finish, their expertise and dedication made the entire process seamless and stress-free. They went above and beyond to secure the best possible rates for me and walked me through every step with patience and clarity. Their professionalism, responsiveness, and genuine care for their clients truly sets them apart. Thank you for making my home buying experience so smooth and enjoyable!
Google Review

Kyle C

I wholeheartedly endorse Heart Financial (Jo Attard & Co) for their exceptional services in navigating the complex and daunting process of purchasing a new home. Rebecca’s unwavering support and dedication were evident, even extending to accommodating my inquiries round-the-clock. Alongside Daisy, they ensured transparency and clarity in every stage of my home loan application, leaving me well-informed and reassured. Without hesitation, I advocate for their expertise in addressing all your mortgage requirements with utmost professionalism and proficiency.
Google Review


Homebuying made easy. A personalised start to finish experience for both the eager first home buyer, to the most avid investors. Jo and the team provided consistent service, from the start, to the finish line, however short or long the journey may be.

Zaki, Pascoe Vale

I’m so happy I chose Annie to take me through my most recent home loan. My situation was challenging and complicated, however Annie’s confidence, passion and reassurance made the decision to proceed with her a no-brainer. Annie was persistent and determined to get me an approval with a great rate. She ensured I was kept in the loop throughout the whole process.

Carmel, Doncaster

There are so many things they do right as a broker that I don’t even know where to begin in describing how exceptional they are. I’ve had mortgages with them for years and they just did an annual review of my mortgages and were able to give me a better deal. They say if you don’t ask for it, you won’t get it. Not with these brokers. They proactively find you better deals and give it to you without you asking.

David, Airport West

Thank you very once again for helping us buy our first home! Paige, I don’t know if we get the credit of being your official first client, but if that is the case, what an honour and privilege!


My partner and I had the pleasure of working with Annie at Jo Attard & Co. for our mortgage needs, and we couldn’t be happier. Thank you, Annie, for your exceptional work and for making the mortgage process stress-free. You deserve five stars!

Danielle C

I’ve been a long-time client of Jo and her wonderful team. There are so many things they do right as a broker that I don’t even know where to begin in describing how exceptional they are. They say if you don’t ask for it, you won’t get it. Not with these brokers. They proactively find you better deals and give it to you without you asking. I have saved thousands over the years thanks to them. Keep up the great work ethic Team Jo!

David F

Following several bad experiences with two different mortgage brokers, I was recommended Jo Attard + Co. Deciding to go with this broker has positively impacted every aspect of my property journey. Rebecca has worked closely with me, taking care to understand my circumstances, and has provided second-to-none expert advice every step of the way. Her knowledge of property is over and above what I would expect any broker to know. Would not hesitate to recommend Rebecca to anyone!

Ilona G

Jo puts the human back into Financial Brokerage and general financial support – she understands what you need emotionally as much as financially and he advice calms your anxiety first so you can make clear decisions. She always had time to listen! Can’t recommend her highly enough.

Kerrie B

I can’t recommend Heart Financial (formerly Jo Attard + Co) highly enough, particularly Annie! Annie helped us refinance an existing property as well as finance a commercial premises. The knowledge & communication is second to none, I won’t be going anywhere else.

Corey C

We have now used Heart Financial (formerly Jo Attard + Co) a couple of times and each time it has been an amazing experience. The professionalism & care they take towards making sure everything is perfect is outstanding. We thank you all so much for organising and assisting us with all our financial requirements. We look forward to growing our portfolio with you in the future.

Clint T

I just want to say a big thank you to Rebecca, Jo, Jasmine, and all the team at Heart Financial (formerly Jo Attard + Co) for making my refinance such a seamless journey. The team reached out to me (as they do every year to review my interest rates) to discuss the opportunity of moving to a different lender to achieve a better rate on my home loan without me even asking! What a great service! When you work with Jo Attard & co you get a service for life.

Mary S

Dearest Rebecca, Thank you so much for all your love, care, brilliant guidance, and big efforts to support me in owning my FIRST HOME. I am beyond grateful and joyous. You made the process fun and we were able to laugh a lot. You are awesome.

Myree M

Dear Jo, I sincerely with all my heart THANK YOU for your incredible hard work. You made what felt impossible, possible.

Rebecca G

We are long-term clients of Jo and her team. I was impressed by their professionalism from the start, and their responsiveness goes beyond normal service. We are always grateful to the team for guiding us in getting the right product and helping us every time through the complexities associated with securing a mortgage.

Zia R

Jo Attard and Co are incredible. They are reliable, quick to respond, super talented at what they do and are genuinely the nicest bunch. We have been going to Jo and her team since being recommended by a friend in 2007 and are about to buy our third house through them. We have referred so many of our friends because we think they’re so great!!
Google Review

Lani C

My partner and I were fortunate enough to work closely with Annie while applying for our home loan. Annie’s knowledge and work ethic made this process very pleasant. She went above and beyond for us, and we truly appreciate it. We both would definitely recommend Annie and the team at Jo Attard + Co to anyone looking for a home loan.
Google Review

Broden B

I was pretty scared about the thought of getting loans and dealing with banks. Then I got recommended to go through Jo Attard + Co, which without a doubt was the best decision I could’ve made. I was heavily informed about all the tips and tricks about loans and Annie (the mortgage broker that was assigned to me) was super professional and friendly. She constantly double checked if I throughly understood all the loan documents and what some of the key terms were.
Google Review

Cooper C

I wanted to give a special mention to Annie who helped us with our recent loan applications. Annie took the time to understand our requirements and recommended financial products that were relevant and suitable. Annie kept us updated throughout the process and I felt very comfortable at each stage of the loan applications. I couldn’t recommend Annie highly enough!!
Google Review

Henry L

Jo and her staff provide services well beyond their requirements. Whilst they provide a great service to get you the best deal, they’re service along the way is amazing. Getting finance can be overwhelming, but with Joe and her staff, you can put your mind at ease and let them do what they do best.
Google Review

Les C

Our experience was so good that we returned to Annie/Jo Attard + Co recently to refinance and we had the same excellent experience. We couldn’t recommend Annie/Jo Attard + Co more!
Google Review

Renee I

Highly recommend. Jo & the team’s expertise and personalized guidance made our home buying experience seamless and stress-free.
Google Review

Zan R

We have the credentials
to back us up.

With a wealth of industry experience and accolades from both wholesale lenders and clients, Heart Financial is exceptionally qualified to guide and support you in nurturing your dreams. We hold an unshakeable belief in possibility, because our team has been there ourselves.

Let’s achieve your finance and property goals, <span>together.</span>

Let’s achieve your finance and property goals, together.

Book a time with us