You may notice we have a new name! Don’t worry – nothing else has changed. See more info here.


Get to know our team

We’re here to take the stress out of your retirement.

Heartland is Australia’s leading reverse mortgage provider. Established in 2004, we have helped over 21,000 people aged 60 and over release more than $1.2bn of equity from their homes, helping them to live a more comfortable retirement, with independence and dignity.

Our award-winning, market leading product is supported by expert, personalised service, making Heartland the reverse mortgage lender of choice for many Australians.

Heartland is owned by Heartland Group Holdings Limited – a New Zealand based financial services group with a history stretching back to 1875. Heartland Group Holdings is listed on the NZX and ASX and has operations in New Zealand and Australia. Heartland is dedicated to doing what matters most to our customers, our communities and our shareholders. For our Heartland Reverse Mortgage customers, that means putting all our heart into helping them make informed decision to meet their retirement needs.

We’re hands on and dedicated to doing the right thing when it comes to providing reverse mortgage options that work.

Reverse mortgages are arguably one of the most heavily regulated credit products in Australia. Heartland is proud to have played a significant role in the development of public policy and regulation in the Australian Reverse Mortgage Market since we were established. This regulation and our product development provides our customers with protection and peace of mind.

We’re right there when and how you need us: over the phone or email, online through our webchat and application tools and in person via specialist accredited mortgage brokers. Our ambition and commitment to our customers is what makes us who we are – and we are proud to share it with you.

Jeff Greenslade
Executive Director and Chief Executive Officer,
Heartland Group

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application pack

Our promises to you

Heartland recognises the trust you’ve placed in us when it comes to taking out a reverse mortgage, and we take this duty of care seriously. This is why we make the following promises to help you make the most out of your retirement.*

  • 1

    Lifetime occupancy

    Your home will remain the place you live in for as long as you choose.

  • 2

    No negative equity guarantee

    The amount required to repay the loan will never exceed the net sale proceeds of the property.

  • 3

    Loan repayment

    There is no requirement to make any loan repayment until the end of the loan.

* Subject to complying with the terms and conditions of the Heartland Reverse Mortgage, you will not owe more than the net sale proceeds of your home and you can keep your home for as long as you choose.

Meet our managers

Sharon Yardley

Sharon Yardley
Head of Operations, Risk and Compliance

Sharon is an experienced financial services professional, with a finance career spanning 19 years, 16 being at Heartland, and holds a Master of Business Administration. She is passionate about reverse mortgages, and how they can help seniors live a more comfortable retirement. Sharon is responsible for Heartland’s operations, communications, regulatory compliance, and risk framework. She is a Responsible Manager and AML Compliance Officer for the business.

Jessica Douglas

Jessica Douglas
Senior Manager – Operations

Jessica has a Certificate IV in Credit Management and 15 years of experience in mortgage servicing in a variety of roles, including file management, settlement agency, and loan administration. She is responsible for overseeing the processing, monitoring, assessment and credit activity of Heartland’s Loan Administration Team – helping seniors get the most out of their loan and life in retirement.

Aarti Mason

Aarti Mason
Senior Manager – Intermediaries

Aarti has over 15 years of experience with major financial institutions and broker’s businesses, including in depth and broad exposure to lending institutions and business requirements. She has held a variety of senior roles with mortgage aggregators, specialist lenders and broking business. At Heartland, Aarti is responsible for managing the Intermediaries team and providing quality customer service to internal/external customers including mortgage brokers, financial planners, business partners and high value customers.

Tammy Nguyen

Tammy Nguyen
Credit Manager

Tammy has over 20 years’ experience in financial services with 14 years in credit assessment and management. She is passionate about coaching team members and assisting in their career development. Tammy is responsible for the Credit Assessing Team, overseeing all activities related to responsible lending assessments, and credit approvals, which also includes (but not limited to) reviewing all post settlement requirements.

Shaun Mannering

Shaun Mannering
Team Leader – Loan Administration

Shaun comes from a vast experience in the financial services sector spanning 10 years. He has worked for some of the major banks where he managed various teams within their asset finance and settlements divisions. Shaun is currently responsible for the loan administration team who provide excellent customer service, are focused on best customer outcomes, and ensure everything is ready for our loan assessors to make responsible lending decisions.

Nicole Luckman

Nicole Luckman
Team Leader – Compliance and Reporting

Nicole has over 10 years’ experience in quality assurance, risk management, and finance, including mortgage servicing, loan administration, settlements processing, and analytics within a number of industries. She is responsible for overseeing post settlement administration, day to day compliance and completing business analytics for the Heartland Australia team.

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