Finance Advice
We look beyond rates and repayments to understand how your lending fits into your broader financial life.
Explore Finance AdviceOur Approach
Finance is personal.
Our approach is strategic.
We believe the best financial decisions start with understanding the person behind the numbers. We take the time to understand where you are, where you're going and what matters most to you, then build a lending strategy around the bigger picture.
Our Story
In 2001, Jo Attard set out to do mortgage broking differently — never about the transaction, always about the person, the family and the future.
After a career as a Business Banker, Jo saw an opportunity to change what people could expect from mortgage advice. Not simply another loan or another rate, but advice that starts with listening, considers the bigger picture and puts people first.
That belief became the foundation of Heart Financial. Today, our team carries those same values into every client relationship, leading with humility, listening with empathy, taking accountability, building genuine relationships and earning trust through the way we show up every day.
Heart is how we show up.
Excellence is the standard we hold ourselves to.
We don't just want to arrange your finance. We want to understand where you are, where you're heading and what matters along the way, then walk alongside you as your circumstances and goals evolve.
That's what we mean by putting people at the heart of finance.
Because it's more than a loan, it's your life.
What guides us
Building relationships in the moments that matter most.
Property Principles
We help you understand the fundamentals behind property decisions, so you can make informed choices with confidence.
Explore Property Principles
Business Insights
Business insights are crucial in shaping informed financial choices - understanding the broader market context to make strategic decisions that support long-term growth.
Explore Business Insights
Financial Wellbeing
Because good financial decisions aren't just about numbers. They're about confidence, security and having room to live the life you want.
Explore Financial Wellbeing
Lending starts with listening.
Guiding with care. Advising with trust.
Designed with transparency and simplicity at its core.
We simplify the mortgage journey, keeping you informed and supported from our first conversation through to settlement - and beyond.
How we work
The heart of our seven-step process.
01 one
Discover
We begin with a chat to understand your goals and objectives — what's important to you, where you are in life today, and your future plans. Knowing your property and financial goals, who the key players on your team are, and understanding your money psychology enables us to plan the best outcome.
02 two
Strategy + structure
Listening attentively and understanding your goals, we set a strategy and structure a plan to achieve them, outlining the stages of your lending journey. Here we analyse your numbers and create options that align with your goals.
03 three
Advise + prepare
With the agreed strategy in hand, we prepare the application, providing the chosen lender with all the necessary supporting documents to enable an efficient and smooth assessment process.
04 four
Submit + monitor
With a strong connection and priority access to our lending partners, your application is submitted to deliver the best result. We monitor the lender's assessment and advocate on your behalf for timely approval, while you experience peace of mind as we actively track the progress.
05 five
Loan approval
We celebrate an initial milestone of your loan approval. Here we review the loan documents and ensure your financial wellbeing is on track — delivering advice on cash flow management, risk protection and insurance. And if purchasing a property, we can connect you with Buyers Advocates in all states of Australia.
06 six
Loan settlement
Here we celebrate together. Your loan has settled - which means if this was a property purchase, you take the keys and start your home ownership journey. We strive to make this process straightforward, simple and hassle-free for you. Always with your best interest at heart.
07 seven
Monitor + review
WE DON'T DISAPPEAR AFTER SETTLEMENT.
Your loan shouldn’t be something you set and forget. Our Heart Rate Advantage program uses smart technology to actively monitor your home loan and compare your rate with the market. When we identify an opportunity to improve your position, we don’t just tell you about it - we act.
We’ll review the opportunity, negotiate with your lender where appropriate, and help you understand what the change could mean for you. If we can save you money, you’ll know about it.
Because your circumstances, your goals and the market can all change over time, we believe your home loan deserves ongoing attention too.
Think of us as your financial watchdog - keeping a watchful eye on your loan, so you don’t have to.
Kind words from real journeys.
Let's connect
Your financial journey is unique - we'd love to walk alongside you as you take your next step. Let's start a no pressure, no obligation, and no cost chat today to explore how we can help you move calmly and confidently towards the future you deserve.
