Your local mortgage broker in the South Eastern areas of Malvern, Malvern East, Mount Waverley and surrounding areas

I work with a range of customers from first home buyers, home owners looking to upgrade and sophisticated investors. I am confident with complex financial strategies and have an entrepreneurial, “can do” approach to your financial needs.


  • Danielle Marie Phelan
    Heather was proactive and helpful; found us a very attractive deal; kept us up-to-date with the progress of our loan application and subsequent settlement; regularly contacted me to make sure I was satisfied with the service provided by the lender; responded promptly to any emails or calls.
  • Elissa Victoria Eu
    Heather was extremely thorough, and her attention to details was fantastic. She gave great advice and we didn't feel like she was trying to push any service or product on to us.
  • Yoko Inoue
    When it comes to finance it is hard to find an advice that you can trust. I felt at ease with Heather and believe she did everything she could to find the best deal for me.
  • Et Muy Lim
    Friendly, efficient and trust worthy.
  • Ramya Thirunavukkarasu
    The whole journey was smooth, clear and painless with Heather Armstrong helping and guiding us along. Thanks a lot Heather for your wonderful service and guidance throughout the process.
  • Subhanshu Pradhan
    Liked the professional approach and continuous follow up with the existing bank to get the settlement done on time.
  • Edmee Veronique Faron
    Professional/communicates properly/follow up to make sure everything is on track
  • Navjit Kaur-Singh
    Heather was always an email or phone call away for any questions I had - no matter how silly they seemed. I could rely on Heather to get things done or follow up on my enquires. She always gave me a range of options and didn’t push me to go with a particular lender. Heather is also very friendly, approachable and knowledgeable.
  • Janelle Brooke Wight
    She went above and beyond on a case that was complex.
  • Kimberly Guido Fullard
    Heather has a very strong knowledge of the market, was very informative, gave us great tips, was always following up when needed and just a great person to deal with.
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Latest News

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    Could a rate cut in October coincide with a turn in the market?

    ​Historically, one of the best barometers for the health of the property market is auction data… So, I asked my colleagues at Australia’s largest real estate company - Ray White - to share their nationwide auction stats looking back at the year that has been. They collect this data every weekend, and over thousands of auction events they measure the clearance rate, number of active bidders, number of onlookers, and a variety of other useful metrics. So what do these findings tell us about where we are in the property cycle?

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    When is cheaper not necessarily better?

    ​With all the hype around record low interest rates it's easy to get tunnel vision and focus only on the lowest number when choosing a home loan provider, however finding the right loan is about much more than just the best rate. When assessing possible options for home loans, borrowers frequently assume the ones with the lowest possible rates to be the best without being mindful of other considerations such as fees and charges or loan features.

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    Shares, cash, real estate and record low interest rates.

    We’ve not seen interest rates at this level since the 1950s, so what are the opportunities and pitfalls that come with a cash rate at one percent for everyday investors?​ Low interest rates represent benefits in some investment categories, and hurdles in others. So how do you make low rates work for you? Understanding what avenues are available to invest in, in today’s environment is a topic I constantly discuss with clients and finance industry peers.