Heart Financial

15/10/2026

The biggest mistake first-time commercial buyers make isn't something they do, it’s something they don’t do.

We know commercial property lending, chat to us before signing on the dotted line to make sure you’re as informed as you can be.

Have someone on your team that understands the process. Talk to us today.

14/10/2026

12/10/2026

The answer depends on the complexity of your application, as well as the lender you're applying with.

While there are some online lenders that can have a decision made in a matter of a few days, if you want to optimise your options, it's never a good idea to leave your application to the last minute.

We suggest getting in touch with us well before it's time to apply, so we can give you guidance on what the lenders are looking for, and how they're likely to view your unique situation.

Getting started early also means you get to keep your options open, rather than being tied to the lenders with the quickest turnaround times.

What are you waiting for? Get in touch.

08/10/2026

Thinking about buying in the next 6–12 months?

A little preparation now can make a big difference later.

Ready to take the next step?

Let’s chat about your options and find a pathway that works for you.

06/10/2026

The property market is always shifting, and recent figures show national average loan values have eased slightly, moving from $737k in December to $731k in June.

While a 0.8% dip is a subtle change, it’s a reminder that market trends are rarely straight lines. Averages are helpful for tracking the big picture, but they don't dictate what’s possible for your personal situation.

If you’re watching the market and wondering what these shifts mean for you, let’s run the numbers together.

Talk to us today.

30/09/2026

A redraw facility can provide you with flexibility and savings, but is it right for you?

How it works:

A home loan redraw facility allows people with a mortgage to access extra funds they have paid toward their loan.

Basically, you could make additional repayments and then 'redraw' those funds as needed.

The perk is that any additional repayments you make reduce the amount of interest you pay.

However, there may be fees and charges associated with this facility, so you want to make sure you're getting the most out of it.

We can help you understand which features would make sense for your situation.

27/09/2026

Sometimes, the biggest step towards achieving your goals is simply believing that something different is possible.

Whether it’s buying your first home, growing your property portfolio, refinancing or simply getting your finances back on track - a change in mindset can be the beginning of a whole new chapter.

At Heart Financial, we’re here to help turn possibilities into plans and plans into reality.

Think differently. Dream bigger. Do it with Heart.