Heart Financial

Heart Financial We are thrilled to announce an exciting evolution: Jo Attard + Co is now Heart Financial. Thank you for your continued trust and partnership.
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This transformation reaffirms our commitment to offering personalised, empathetic financial services rooted in trust, integrity, and a client-centric approach. Our new name symbolises our dedication to understanding and serving your unique financial needs with even greater passion and commitment. As Heart Financial, we pledge to maintain the highest ethical standards and transparency, ensuring you

always feel supported and confident in your financial decisions. Our services are designed to be more accessible, tailored, and responsive, embodying our belief in putting your needs and aspirations at the heart of everything we do. This new chapter signals our promise to be your trusted partner in navigating the complexities of financial planning. Together, let’s embark on this exciting journey towards achieving your financial goals and dreams. Jo Attard + Co Pty Ltd trading as Heart Financial Group is a Corporate Credit Representative (416289) of Mortgage Specialists Pty Ltd ACL Australian Credit Licence 387205.

What does success mean to you?For some people, it’s a number in a bank account.But after years of helping Australians ac...
03/09/2026

What does success mean to you?

For some people, it’s a number in a bank account.

But after years of helping Australians achieve their financial goals, I’ve learnt that the conversations people remember most are rarely about money.

They’re about...

- Having more time with family.
- Having the freedom to make choices.
- Building meaningful relationships.
- Sleeping well at night because there’s a plan in place.

Money is important - but it’s not the destination.

It’s the tool that helps you build the life you want to live.

At Heart Financial, we believe finance should create opportunities, not stress. That’s why every recommendation starts with understanding what matters most to you.

If you could choose just one, what does financial success mean to you: Time, Choice, Relationships or Peace of Mind? We’d love to hear your answer in the comments.

Thinking about refreshing your home?A lot of Australians don't realise how much equity they've built up. That equity may...
01/09/2026

Thinking about refreshing your home?

A lot of Australians don't realise how much equity they've built up. That equity may be able to be used for renovations like a new kitchen, an extension or updated bathrooms without needing a separate personal loan at a higher rate.

We can help you understand what's available and whether it makes sense for your situation.

Talk to us today.

$55 million.That’s how much has been refunded to Australian borrowers after ASIC uncovered errors involving mortgage off...
31/08/2026

$55 million.

That’s how much has been refunded to Australian borrowers after ASIC uncovered errors involving mortgage offset accounts.

In some cases, offset accounts weren’t linked correctly to home loans, meaning borrowers were paying more interest than they should have—often without realising it.

Take two minutes to check:

- Is your offset account linked to the correct home loan?
- If you have multiple loan splits, is it connected to the one you intended?
- Have you checked your latest loan statement to make sure your offset is working as expected?

Don’t assume everything is set up correctly.

A simple check today could save you money over the life of your loan.

At Heart Financial, we believe your home loan should be reviewed regularly—not just when interest rates change

End-of-month financial check-in.Before we turn the page to a new month, take five minutes to check in with your finances...
31/08/2026

End-of-month financial check-in.

Before we turn the page to a new month, take five minutes to check in with your finances.

Ask yourself:

- Did I spend in line with my priorities?
- Did I put something aside for my future?
- Am I making progress toward my goals?
- What’s one thing I can improve next month?

Remember, financial success isn’t built in a day.

It’s built through small, consistent decisions repeated over time.

Progress will always beat perfection.

An offset account is a separate transaction account linked to your home loan. The balance in the account reduces the amo...
28/08/2026

An offset account is a separate transaction account linked to your home loan. The balance in the account reduces the amount of your loan that interest is calculated on, while your money remains available for everyday use.

A redraw facility allows you to access extra repayments you’ve made directly into your home loan. While the funds may be available to redraw, the lender’s terms and conditions apply.

Understanding the difference is important because choosing the right feature can help you save money, improve your cash flow and support your long-term financial goals.

Not sure which option is right for you? We’re always happy to have a conversation.

Because it’s more than a loan, it’s your life.

Could your business premises become part of your retirement strategy?Many business owners spend years paying rent withou...
26/08/2026

Could your business premises become part of your retirement strategy?

Many business owners spend years paying rent without realising there may be another option.

In the right circumstances, purchasing your commercial property through a Self-Managed Super Fund (SMSF) can form part of a long-term wealth and retirement strategy.

Potential benefits may include:
- Building wealth inside your super.
- Your business paying rent to your SMSF instead of a third-party landlord.
- Greater control over your business premises.
- Owning an asset that may continue supporting your retirement long after you’ve stopped working.

Of course, this strategy isn’t suitable for everyone and there are important rules and obligations to consider.

That’s why it’s essential to work with the right team - including your accountant, financial adviser and finance broker - to determine whether it’s appropriate for your circumstances.

💬 If you’ve ever wondered whether your business could own its premises through an SMSF, let’s have a conversation. We’d be happy to explain how it works and whether it could be an option for you.

Is your offset account actually working for you?Recent ASIC findings revealed that Australian banks have refunded more t...
25/08/2026

Is your offset account actually working for you?

Recent ASIC findings revealed that Australian banks have refunded more than $55 million to borrowers after errors involving mortgage offset accounts.

In some cases, offset accounts weren’t linked correctly to the home loan, meaning customers were paying more interest than they should have—often without realising it.

Here’s a simple checklist:

- Is your offset account linked to the correct home loan?
- If you have multiple loan splits, is it linked to the right one?
- Does your loan statement reflect the interest savings you’d expect?
- If you’re unsure, contact your lender and ask them to confirm your offset is set up correctly.

A five-minute check today could save you hundreds - or even thousands - over the life of your loan.

At Heart Financial, we believe your home loan shouldn’t be a “set and forget” product. Regular reviews help ensure your loan continues to work for you.

Have you checked your offset account recently? If you’re unsure how it works, we’re always happy to have a conversation.

Helping a loved one buy their first home as a guarantor is incredibly generous.It can get them onto the property ladder ...
24/08/2026

Helping a loved one buy their first home as a guarantor is incredibly generous.

It can get them onto the property ladder much sooner with a smaller deposit, but it’s vital to understand how it impacts your own financial future.

Acting as a guarantor can affect your borrowing capacity for future loans, as lenders factor that responsibility into your financial profile. It’s an important piece of the puzzle for everyone involved.

Contact us via our website if you're exploring this option or want to understand what it means for your own plans down the track.

Let's chat to map out your options together.

Buying your first home but confused by all the government schemes? You’re not alone.One of the questions we hear most of...
23/08/2026

Buying your first home but confused by all the government schemes? You’re not alone.

One of the questions we hear most often is:

“What’s the difference between the Low Deposit Scheme and Help to Buy?”

While both are designed to help eligible first home buyers, they work in very different ways—and choosing the right option depends on your individual circumstances.

That’s why we’ve created a simple First Home Buyer Cheat Sheet that compares both options side by side, making it easy to understand:

- Who’s eligible
- Deposit requirements
- Key differences
- Things to consider before applying

No confusing jargon. Just clear, practical information to help you make an informed decision.

DM us the word “CHEAT SHEET” and we’ll send you a free copy.

Know someone who’s looking to buy their first home? Share this post - they might find it helpful.

Self-employed and think you need two years of tax returns to get a home loan?That used to be the case.Today, many lender...
20/08/2026

Self-employed and think you need two years of tax returns to get a home loan?

That used to be the case.

Today, many lenders will consider applications with just one year’s tax return, provided you meet their lending criteria.

If you’re a:
- Sole trader
- Company director
- Business owner
- Contractor or consultant
.. you may have more options than you realise.

Every lender has different policies, so the key is knowing which lender is the right fit for your circumstances.

At Heart Financial, we specialise in helping self-employed Australians navigate the lending process and find solutions that work for their business and personal goals.

Address

Level 6, Suite 602, 6-22 Gladstone Street
Moonee Ponds, VIC
3039

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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