Heart’s Difference

Responsive experts that are on your side.

We commit to being your trusted partner throughout your financial journey, especially during the home loan process. Your needs and aspirations are at the heart of everything we do, ensuring personalised guidance and support every step of the way. We understand the importance of your financial decisions and are dedicated to helping you navigate the complexities with confidence and ease.

how much can I borrow?

The process

Because everyone’s journey is unique.

Pre-Approval

Buy with confidence with our pre-approval process, we will guide you through the application, ensuring all necessary documentation is in order, and providing support every step of the way. Our goal is to make the journey to pre-approval as smooth and stress-free as possible, setting you on the right path towards owning your new home.

Purchase

Embark on the journey to find your dream home! With your pre-approval in hand, you have the confidence to explore options that align with your financial framework.

Unconditional Approval

Our commitment to meticulous attention to detail ensures a seamless transition from pre-approval to unconditional approval. We provide unwavering support, addressing any questions and guiding you through the final steps to secure a successful loan outcome.

Risk Management

We recognize the significance of safeguarding your hard-earned assets. As part of our approach, we engage in discussions about your options for protecting your assets and shielding you and your family from financial difficulties. Our goal is to offer peace of mind and ensure the security of your financial future.

Settlement

At Heart Financial, we understand the excitement and anxiety that come with significant milestones. Our dedicated team will coordinate and manage the financial aspects of your big day, ensuring a smooth and stress-free experience. We take care of the details, allowing you to focus on creating cherished memories and enjoying the journey of life.

Financial Wellness

Congratulations on reaching this milestone! Now, it's our turn to take the reins. We'll regularly review your loans to ensure they're optimally structured and have competitive interest rates. You can count on our consistent communication to keep you well-informed about your loan performance, ensuring you're never left in the dark.

Frequently asked

Questions? We’ve got plenty of answers.

A Finance Advisor builds a long term relationship with you. To understand where you have been, what you needs are today and what your goals are for your future…
Regularly checking in to make sure your finance is structured correctly and competitively. It’s a relationship. A human connection – not a transaction.

A home loan, also known as a mortgage, is a loan provided by a lender (such as a bank or a financial institution) to help you purchase a home. You repay the loan amount plus interest over an agreed-upon term, usually through regular repayments.

The amount you can borrow for a home loan depends on several factors, including your income, expenses, credit history, and the value of the property you intend to purchase.

Try our borrowing calculator

A fixed-rate home loan has a set interest rate for a specific period, providing certainty in repayments. A variable-rate home loan, on the other hand, has an interest rate that can change based on market conditions, potentially affecting your repayments.

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.

An offset account is a savings or transaction account linked to your home loan. The balance in the offset account is offset against your home loan balance, reducing the amount of interest you pay.