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male mortgage broker in melbourne

Julian Farrugia

Finance Associate

Team Jo

Julian is proof that you don’t need to follow the traditional path to build a career in finance. After completing Year 12, Julian decided university wasn’t the right path for him. Instead, he chose to get straight into the finance industry, completing his Certificate IV in Mortgage Broking and beginning his career at Heart Financial.

With a genuine passion for property and numbers, Julian put that interest into practice early – purchasing his first investment property just two days after his 19th birthday. He’s fascinated by how property, finance and strategy come together, and is constantly looking to expand his knowledge. As a Finance Associate, Julian works closely with Jo, assisting with lender research, servicing assessments and loan commentary. He’s developing his skills across the full lending process with the goal of becoming Heart’s youngest Finance Broker before he turns 21.

Outside of finance, football has been a big part of Julian’s life. He played soccer throughout most of his teenage years before turning his passion for the game into a side hustle, selling soccer socks and accessories. Ambitious, curious and commercially minded, Julian brings a fresh perspective to the Heart team. He loves numbers, loves property and isn’t afraid to back himself – qualities that make him one to watch as he continues his journey towards becoming a broker.

For Julian, the journey is just beginning. And he’s determined to make the most of it.

What clients say about me

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

We had a fantastic experience working with Paige and Julian as our mortgage brokers. Paige was very upfront and clear about all the options available, helping us choose the one that best suited our needs. Julian was incredibly patient with all our questions and always responded quickly via both calls and emails. His deep knowledge and professionalism were truly appreciated.

Throughout the entire process, we felt like we were in very good hands. Thank you so much, Paige and Julian, for making our home loan and settlement process smooth and stress-free. Highly recommended!

Nikki Nguyen

Upgrader

I'm so glad I found Heart Financial and got to work with Jo and her team.

From our first chat about my mortgage and finances, Jo was friendly, realistic and explained everything in a way that was easy to understand. She made the whole process feel much less overwhelming.

Jo and the team worked so hard to make sure everything was organised and kept things moving every step of the way. Nothing ever felt like too much trouble.

I can't recommend Jo and the Heart Financial team highly enough. Thank you so much for all your hard work and support!

Annique Teycheney

Refinancer

Love working with Heart financial, have used them a few times now and will continue to do so in the future. They go above and beyond to ensure a good outcome and great service. Thank you Jo and the team :)

Sarah Phillips

Renovator

Very easy to deal with / made the whole Mortage process very straight forward - highly recommend

David Michael

Refinancer

We couldn’t recommend Heart Financial, Jo and the team highly enough! From start to finish, they provided us with unbelievable support throughout the entire mortgage process.

They were always incredibly prompt with their responses and took the time to answer every question we had, no matter how big or small. At no point did we ever feel rushed or like we were asking too many questions. They made what could have been a very overwhelming process feel so much easier and more manageable.

We genuinely don’t think we could have navigated the process without Jo and the team. Their knowledge, patience, communication and support were outstanding from beginning to end.

We are so grateful for everything they did for us and would 100% recommend Heart Financial to anyone looking for a mortgage broker.

I used heart financial and worked with Jo and Julian and they were both so so amazing and helpful and supportive through the whole process in getting a home loan secured. They kept me updated consistently and thoroughly, answering all my questions with quick responses, were so kind and called to congratulate me on the success of everything. Highly recommend using their services for a smooth, easy process with people that actually care and want you to succeed! Thank you so much for everything!