Finance Advice

Our purpose is simple.

YOU

Our responsibility is not just to secure a loan, it's to ensure your finance and property strategy fits your life plan. True finance advice goes beyond a good interest rate. It grows with you and your family, shaping a stronger, more secure future.

Strategic finance advice

Advice that grows with you.

See the bigger picture

We take the time to understand your life plans first and foremost. Whether you're considering rent-vesting, converting an owner-occupied home to an investment, investing in property or shares, or even developing - we go through the numbers and make sure every option that matters to you is considered. Often, the numbers will give you the direction.

Create stronger borrowing power

With over 50 years of combined experience in the finance industry, we work closely with our lender partners and stay up to date on all servicing criteria - maximising your borrowing capacity by understanding the unique policies that apply to individuals and corporate or trust entities.

Structure your debt with purpose

While we're not accountants, we are experienced investors who work closely with your tax partners - asking the right questions and providing foresight into future tax planning. We always ensure your tax-deductible debt remains clearly separate from your personal debt, with simple options for debt recycling and optimising investment borrowings.

Build financial breathing room

Always working towards a calmer, more confident you - we structure your finance to enable stronger cash flow reserves for when it matters most.

Reduce unnecessary commitments

As part of every review we look for ways to reduce financial commitments - highlighting options to cut costs and increase cash flow, so you can put the savings towards achieving your goals.

Create a pathway to financial freedom

We take time to understand your cash flow needs and show you simple strategies to pay down your home loan in a fraction of the time - giving you room to consider early retirement, or to use equity for other investments while saving non-deductible interest.

Structure for what comes next

With over 70 lenders on our residential panel - each with unique policies - we know how to structure your loans and sequence your applications to achieve your strongest lending capacity.

Be ready for opportunity

With our ongoing review services and valuation updates, we show you how to position yourself in readiness for your next move - whether property, shares or business opportunities.

Turn strategy into action

Sometimes you just need that special person to show you the way - to be your guide and support, and to show you how to move in a simple, calm, controlled and timely way. We are your person. We've got this - together.

Partnered with hand-picked specialists who share our values.

Carefully chosen financial planners, accountants, buyers advocates, conveyancers, real estate agents, property managers, family lawyers, property stylists and other complementary providers - combining local knowledge, experience and professionalism to deliver the best outcomes for our clients.

man in blue dress shirt beside man in white dress shirt

Our lending panel

With access to over 70 lenders.

Whether you're buying a residential property, a commercial property, specialised equipment for your business, upgrading your car, or funding a multi-unit development - we have a tailored solution for you.

Explore our services

Good questions

Questions your probably asking.

And if yours isn't here, that's what a conversation is for.

How much can I borrow?

Your borrowing capacity is assessed on a number of factors: your income, your cost of living, your liabilities - such as HELP debt, buy-now-pay-later accounts, car loans or other property loans - and your family situation, including the number of children you have.

How much deposit do I need?

As little as 5% is generally required. With family support, however, you can borrow up to 105% of the purchase costs.

What are your fees?

For standard mortgage broking services we don't charge a fee - we're remunerated by your chosen lender, and all commissions are fully disclosed. For other services, fees may apply, but every fee is advised and agreed before any service is provided.

What is a comparison rate?

A comparison rate combines a loan's interest rate with most of its fees and charges, expressed as a single percentage - so you can see something much closer to the true cost of a loan, rather than just its headline rate.

What is a redraw facility?

A redraw facility allows you to withdraw any extra repayments you've made on your home loan. It can be a useful feature if you need access to funds in the future.

What is an offset account?

An offset account is a transaction account linked to your home loan. The balance is offset against your loan balance, reducing the interest you pay. Some lenders even offer multiple offset accounts per loan.

What salary do I need for a $500K loan?

For a single person with no children, a basic cost of living and no other liabilities, a $500K home loan generally requires a salary of around $95,000, based on an interest rate of about 5.50%. Your situation will differ - which is exactly why we start with a conversation.

Advice our clients vouch for.

See all Google reviews

I’ve had a really great experience with Heart Financial.

Ilana has been amazing to deal with throughout the whole process. She’s been incredibly helpful, patient and always happy to answer any questions I had. Her communication has been excellent, and I’ve really appreciated the time and effort she’s put into helping me.

A big thank you to both Ilana and Jo for everything so far. I’m looking forward to continuing to work with the team in the future.

Would happily recommend Heart Financial to anyone!

Ollie D

First Home Buyer

Jo and the team continue to be amazing. I have lost count of the times they have supported me, but it has been through multiple pivotal moments in my life: I would and do recommend the team to my friends and family

Professional

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!

Etienne Rizzo

Business Owner

Forever grateful to Jo and the team who have assisted us for the last 15 years. Would never use anyone else - exceptional service and realistic advice from the best in the biz!

Business Owner

I can't express my gratitude to the Heart Financial team enough and on the great outcome they again achieved for me. Thank you! My special thanks to Julian Farrugia who stayed with me throughout this rollercoaster ride, worked through my difficult case and got the loan approved! Thank you so much for all your great work, Julian!

Nikola Pajtic

Investor

Jo has help us and our family for over ten years with some really insightful advice and ideas. Couldn’t ask for more.

Cam Baines

Business Owner

Let's have a chat.

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.

Book a strategy meeting

YOU

See the bigger picture

Create stronger borrowing power

Structure your debt with purpose

Build financial breathing room

Reduce unnecessary commitments

Create a pathway to financial freedom

Structure for what comes next

Be ready for opportunity

Turn strategy into action

With access to over 70 lenders.

Questions your probably asking.

Let's have a chat.

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