Heart Financial Group

We provide mortgage and finance broking from Moonee Ponds in Melbourne. Our clients include first-home buyers, established homeowners, property investors and business owners. We begin by understanding each client's income, debts, borrowing purpose and plans before comparing lender policies. We explain how different loan structures, repayment features and costs may affect ongoing commitments rather than treating an advertised interest rate as the only consideration.

Heart Financial was founded by Jo Attard and has a team of finance brokers, operations specialists and loan-support staff. For first-home buyers we discuss deposits, borrowing capacity, pre-approval, application documents and the path to settlement. People moving between properties may need to consider an existing mortgage and a new purchase together. Bridging finance can also be relevant when the dates of a sale and a purchase overlap.

For investment loans we consider existing equity, other borrowing commitments, the intended property use and rental income assumptions. We also assist clients arranging commercial property and business finance, together with vehicle or equipment borrowing. Different facilities can involve different records, security and lending assessments. Where ownership structures or tax questions arise, clients should also seek appropriate independent professional advice.

Refinancing starts with reviewing the existing loan and why the client wants a change.