Our Vision & Values
As advice and strategy providers, the financial success of our clients is our ultimate goal and measure.
We operate with the intent of doing the right thing, for the right reasons, for our clients every time.
Relationships will be built on trust and confidence. Have a deeper connection that delivers a higher quality and a personal touch as you would have with your closest friend.
A clear vision and sense of purpose.
Educate our clients so they are in the best position to make well-informed decisions to meet their goals.
Courage to be innovative, refuse to accept the status quo and believe that the impossible is possible.
Stamina to stick it out all the way and maintain clarity.
Accept that failure has no place in the execution of our duty.
Our clients will seek us out as they crave relevance, engagement and expertise.
Excellence in Reputation and Ethics
The finance industry is highly regulated and has long been criticised for its lack of ethics. It is a burden that we carry and often have to justify. The reputation that we build as a finance broker will stay with us. We make sure that our reputation is one of the highest integrity and one we can be proud of. Our business is solely obtained via referral from our client base. Heart Mortgage Services is a growing business and we are proud that it has grown because of outstanding outcomes and service given to our clients.
The role of a Finance Broker is not one that we take lightly. Although it may not seem immediately obvious, the Finance Broker has enormous privilege. It is a privilege to delve into the background of our clients to understand their financial viability. It extends to knowing their future vision and an acute awareness of our client’s needs and aspirations. With this privilege comes responsibility. We have the ability to greatly influence people’s lives and businesses. When we work for our client:
We will provide the best funding outcome possible.
We will educate our client as appropriate on all relevant issues with each funding project.
We will always recommend products that suit our client in the short and longer term.
We will undertake a needs analysis to ensure the recommended product meets our client’s needs.
We will ensure the application process is done quickly and effectively.
We will keep our client informed through every step of the finance process.
We will provide ongoing support including free-of-charge loan audits and checks.
In addition, we conduct ourselves to our business principles as detailed below,
Our Business Principles
Some of the names of these principles are a mouthful, but their essence is imperative to providing the highest level of professional and ethical service.
Veracity means truthfulness. We have an obligation, to be honest in all dealings with both clients and lenders. This not only means dealing truthfully on all levels but also not failing to disclose all relevant information. This honesty or truthfulness must extend to all clients, referrers and lenders, all advertising, electronic or print and all negotiation of terms of business, charges and services.
Justice or fairness means providing equal treatment to all people. Everyone, regardless of age, sex, race, ethnicity, religion or sexual orientation is entitled to equal treatment in pursuit of finance. Justice also extends to not interfering or prohibiting clients searching for finance through additional means. We must have a good understanding of all the legal, statutory and government requirements governing finance and banking and must not make funding recommendations that could fall outside these regulations.
Nonmaleficence means safety, which of course translates to ensuring that we do not knowingly allow a client to engage in risky transactions or put our client in a position of financial hardship. It also means we must exercise due diligence and consciously assess the risk of all issues when assessing the suitability of any product to our clients.
Beneficence means promoting good for others. As discussed before, the recommendation of a product to a client and lender to a client has to be based on the understanding of the needs of both the client and lender and that the resulting business will promote a positive step forward for all involved. We don’t recommend one lender over another because of more favourable commission structures or incentives.
Fidelity means that we make honest promises and honour our commitments to those that have sought our service. Very simply, this means we will do what we have promised.
Confidentiality and Privacy:
Confidentiality and Privacy mean just what it says. We are aware we obtain some very confidential information and know that it must not be disclosed without explicit permission, and we ensure that every endeavour is made to protect that information.