About us.

Get to know our team.

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

Heartland Seniors Finance is Australia’s leading reverse mortgage provider. Established in 2004, we have helped over 19,000 people aged 60 and over release more than $1bn 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 Seniors Finance the reverse mortgage lender of choice for many Australians.

Heartland Seniors Finance 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 Seniors Finance is dedicated to doing what matters most to our customers, our communities and our shareholders. For our Heartland Seniors Finance 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 Seniors Finance 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

Request your free
application pack

Our promises to you.

Heartland Seniors Finance 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 Heartland Seniors Finance makes 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 18 years, 15 being at Heartland. 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 14 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.

Back to
top