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Category: Finance 101

Man celebrating with money falling around him

Claim your share of around $2.6 billion in lost shares, bank accounts and life insurance

Broker Kit 7 January 2026 No Comments

You could be owed unclaimed money from old bank accounts or shares. For home buyers, it may help boost a deposit or reduce how much you need to borrow.

three women sitting on a couch talking to each other

10 Smart Questions to Ask Your Mortgage Broker Before You Apply

Broker Kit 25 October 2025 No Comments

Thinking of applying for a home loan? Here are the 10 smartest questions to ask your mortgage broker — and how our expert brokers can help you find the right…

Ways to Pay Down Your Home Loan by 2035

Broker Kit 22 September 2025 No Comments

Discover clever ways to pay down your home loan by 2035 — or reduce it significantly — with simple strategies that won’t stretch your daily budget.

Asian woman holding magnifying glass over eye against red background.

Accessing Your Home Equity in a Post Rate Cut Market

Broker Kit 12 September 2025 No Comments

Learn how to access your home equity after recent rate cuts in Australia. Discover options, uses, and key tips for homeowners in 2025.

Is Pre-Approval a Must-Have or a Nice-to-Have

Broker Kit 2 September 2025 No Comments

Discover if home loan pre-approval is a must-have or just a nice-to-have when buying property. Learn the benefits, risks and when it makes sense.

a group of white bottles next to a black rectangular object with a white label

Are FOMO FOBO and FOOP Holding You Back?

Broker Kit 25 August 2025 No Comments

Learn how FOMO FOBO and FOOP can affect property decisions and how a mortgage broker can help you move forward with confidence.

person in shorts standing on black and white floor with numbers, guessing their credit score

Can Your Credit Score Impact Your Home Loan Interest Rate?

Broker Kit 22 August 2025 No Comments

Find out how your credit score can affect home loan interest rates in Australia and learn ways to improve your chances of a better deal.

woman in brown and black floral dress sitting on brown wooden chair

Understanding Offset Accounts and How They Could Save You Money

Broker Kit 18 August 2025 No Comments

Find out how offset accounts work, when they save you the most, and whether it’s better to pay down your home loan after rate cuts.

a modern house with a pool and lounge chairs

Is Your Home Now a Luxury Property? Here’s What It Takes in 2025

Broker Kit 16 June 2025 No Comments

With more properties than ever crossing the luxury line, it could be time to re-evaluate your property’s value, especially if you’ve owned it for 5+ years.

Flat lay of a tax preparation workspace with calculator, envelope, and colorful numbers.

Calculating Capital Gains Tax (CGT) in Australia: A Step-by-Step Guide

Broker Kit 7 April 2025 No Comments

This guide explains what Capital Gains Tax (CGT) is, how to calculate it, and how you can use the ATO’s CGT calculator and record keeping tool to make the process…

03 8060 4750 hello@heartfinancial.com.au

Head Office

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6 - 22 Gladstone Street
Moonee Ponds VIC 3039

Credit Advice by Jo Attard + Co Pty Ltd trading as Heart Financial Group. Authorised Corporate Credit Representative (416289) of Mortgage Specialists Pty Ltd.

Australian Credit Licence 387250
ABN 13 148 905 828