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Heart Mortgage Services

5.0(32 reviews)See reviews ↓·Townsville

About the company

Heart Mortgage Services is a mortgage broker based in Townsville. It has access to multiple lenders and is powered by AFG. Amanda Varidel is part of the Heart Mortgage Services team. The business provides expert mortgage solutions for buying a first home, renovating, refinancing, or investing. It offers mortgage calculators including borrowing power, loan comparison, and extra repayments.

What customers say

Based on genuine customer reviews

Townsville borrowers feature throughout the feedback for this mortgage service, and the work described centres on home loans, refinancing and loan consolidation. Amanda is the staff member named most, and reviewers repeatedly credit her with deep knowledge of the finance industry, patience with first home buyers and a willingness to answer questions at every stage. Several customers note that communication stayed open before and after settlement, that options were set out with their pros and cons, and that any hiccups during the process were dealt with smoothly rather than left to the client.

An observation shared by more than one reviewer is the effort made to find lending that fitted individual circumstances, including cases that were less straightforward, such as interstate moves or a first purchase. Cost breakdowns supplied in writing early on, quick replies when decisions were needed and documents delivered personally for signing are also described. Trust built through repeat engagements stands out, with clients returning for refinancing and further financial matters and passing the service on by word of mouth.

Heart Mortgage Services — Customer photo

Reviews

Reviews are taken from publicly available sources.

AB
Ann Barnes19 February 2026

As I was looking to re-finance my home loan to a lower interest rate, a good friend had suggested that I should contact Amanda at Heart Mortgage Services. From the very beginning Amanda was very professional and supportive while informing me of the best options for my circumstances. I am very grateful for the help that Amanda has given me which definitely helped to make the process a whole lot easier and stress free. Thank you!

BB
Blair Bonato16 February 2026

From day one, I felt completely comfortable working with Amanda. It genuinely felt like someone was in my corner and working in my best interest — not just trying to get a deal done. Amanda has helped me on multiple occasions, and every time the experience has been seamless. Whether it was refinancing, organising a top-up, or guiding me through the documents needed for approval, she made everything clear, straightforward and stress-free. Her communication is always prompt, honest and easy to understand. No question ever feels silly, and she takes the time to explain everything properly so I can make informed decisions. I’ve returned to Amanda every time I’ve needed help with my finances, and I wouldn’t go anywhere else. I highly recommend her to anyone looking for a mortgage broker who genuinely cares and delivers results.

LM
Loz Mc24 October 2025

I recommend Amanda to anyone requiring refinancing mortgage or a personal loan. Excellent service!. Amanda listens to what is wanted and finds the best financial offerings. Thank you Amanda @ Heart mortgage Services. ❤️ my new car. ❤️ your service.

TS
T Smith23 September 2025

We have used Amanda in the past and also just recently to consolidate and refinance. Given her extensive experience and knowledge in the finance industry we trusted and followed Amanda's recommendations and couldn't be happier. What we thought was going to be a stressful and time consuming process, was not at all. We highly recommend Amanda and can't thank her enough

NB
Nick Baker6 August 2025

Positive experience. Amanda was quick to respond with options and clearly communicated pros and cons of each option. Costs breakdown communicated in writing early on in process. Highly recommended

JV
Jason Vignale29 July 2025

Amanda did a great job sorting out our refinancing needs. Communication was fast and we were kept in the loop the whole way through. If things needed doing fast Amanda was right on top of it including personally delivering documents for signing. We couldn't recommend Amanda and Heart more highly.

KM
Katie McGrath16 September 2024

My experience with Heart Mortgage Services has been nothing short of EXCELLENT. Amanda went above and beyond to help me secure a home loan and help turn my dream into a reality. There were a couple of hiccups and delays during the process, but Amanda was able to deal with them seamlessly and I felt supported in every step of the way. I could see that Amanda is passionate about achieving positive outcomes for clients. Please do not hesitate in engaging with Amanda at Heart Mortgage Services if you are in need of help securing a loan.

Lenders & loan agencies in Townsville compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 5 businesses in this category in Townsville are compared.

RankProviderRatingReviewsOpen Sat.
1Loan Market Edge★ 5,0207No
2Loan Market - Rob McDougall★ 5,0168No
3Great Start Financial★ 5,0138No
4Heart Mortgage Services (this page)★ 5,032No
5Mortgage Choice in Townsville - David Lynam★ 4,610No
Contact
+611300861143heart.smartonline.com.auLevel 1, Suite 5 41/49 Sturt St, Townsville City QLD 4810
Working hours
Monday09:00–17:00
Tuesday09:00–17:00
Wednesday09:00–17:00
Thursday09:00–17:00
Friday09:00–17:00
SaturdayClosed
SundayClosed