Refinancing

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Are you getting the best rate for your home loan?

3 out of 4 mortgage holders who asked for a rate cut in 2022, got one.
When was the last time you had your home loan reviewed?

So what's our secret? There are none.

We talk Human!

Online, on the phone, at your home, wherever our people need us – like a well-informed friend, we’ll be there.

Our default setting: transparency.

We share trust through transparency. Because it is our job to break down the technical lingo, empower you with the options and answer questions you may have.

We tailor your plan for U.

We work with you to create an individual financial roadmap to achieve your lifestyle and finance goals. Our individually tailored processes and plans are driven by data, facts and rigorous analysis.

We believe that simplicity makes things better for everyone.
We make the complicated, Uncomplicated.

Chris Hudson Master
How UFinancial helped me take control

Iliana Kapric
UFinancial Made it Simple

Simon Keleher
Working with UFinancial

Not what you're looking for?

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I need a loan for my first home

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I’m looking to refinance and save

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I want to buy an investment property

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I need financial advice

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Not what you're looking for?

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first home

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and save

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I want to buy an investment property

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Testimonials

Exemplary communication, values and customer service

March 2023

We have had the pleasure of working with UFinancial for 3 major purchases and dealt predominately with either David Flinn or Bryce Whitaker. The customer service, values demonstrated and communication from UFinancial were exemplary. I would recommend UFinancial to anyone seeking financial guidance for any of the services they offer. For us, it was navigating mortgages and we are ever appreciative of their service.

Drew Twigg via Google Reviews

Expert assistance, advice and clarity along the way!

November 2021

This was our fourth house purchase with UFinancial. We absolutely love their expert assistance, advice and clarity along the way. The whole team is experienced and professional. Thanks Cam and team at UFinancial, if there is a fifth property purchase, we would only use you!

Karen Cole via Google Reviews

CALL 1800-UF-LOAN

It couldn’t be easier.

Leave the hard work to us. We’re here to help!

T: +61 396 869 087
F: +61 386 790 576
E: here4u@ufinancial.com.au
Level 4, 580 St Kilda Rd,
Melbourne, VIC 3004

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Google Rating

5.0

Based on 343 reviews

UFinancial

5.0

review us on See all reviews

Sophie Ryan

1734560889

Abi at UFinancial might be the most helpful and understanding broker I’ve ever had the pleasure of dealing with! Abi and the team were always contactable, willing to assist, and going above and beyond to help! Abi is exceptional at what she does, and words cannot express how thankful and grateful I am for everything she has done. As a first home buyer, she walked me through everything and answered all my questions! I could not recommend Abi and the team more!!

Kacee Hamilton

1733984258

Had a great experience dealing with Lucas, his can do attitude was exactly what was needed in my situation. Highly recommend him!

Lucy D

1733780723

I've used UFinancial for a number of different services across the last seven years and have been totally happy with their professionalism, communication and efficiency in helping me to make the best decisions for my financial situation. Most recently I've dealt with Lucas O'Sullivan who I would highly recommend as a broker as he has been fantastic to deal with. All the staff I've encountered over the years have been friendly, knowledgeable and extremely helpful with any questions I've had. I trust UFinancial 100% and will continue to work with them.

Jacob Franic

1733538420

Daniel and the team at Ufinancial have been nothing but amazing to deal with , honestly could not recommend there service enough.

Gavin Roberts

1733140676

Excellent and professional standard work throughout my property purchase.Geoff always has the correct advice and very quick to respond with any questions or dilemma.Keep up the good work guys.

Aras Mollison

1733033504

Nathan and Nat did a fantastic job in securing us a competitive loan despite some complexities associated with an overseas relocation. You will be in great hands with UFinancial!

Michael de Heaume

1732677739

Andrew made the whole process so easy. He is knowledgeable, responsive, and really worked hard to get us the best possible outcome. Highly recommended!

Dave Jenson

1731802832

Lucas and the team were fantastic to deal with taking the time to work through our finances and develop and implement strategies to achieve our goals. At no point did did we feel like just another number with Lucas and the team patiently working into our busy schedule. The settlement team efficiently managed this process keeping us informed at each step. Highly recommend Lucas and Ufinancial.

chris donohue

1731631340

Daniel and the team are truly amazing to deal with. They go the extra mile!

Zykd4 VALE (Vera)

1731557171

Nicole McAtee has been incredible ever since we met about seven weeks ago. We are now with a new bank and receiving a lower interest rate on our mortgage. Her guidance has been invaluable and I am excited for our next phase as she assists us in navigating our financial future with our children🥰Thank you Nicole!!

Tracy Donohue

1731377892

Daniel with his outstanding knowledge and understanding of no only our mortgage, he has created our financial focus for our future! The whole team at U Financial made it effortless, answered the phone every time, supported and guided us through the whole process and I know this is not heard of but also has been checking in to make sure we are happy along the way and was there anything they can do! We live in Queensland as well everything was as like we sat in the same office truly amazing.... Daniel and your team are outstanding thank you! We recommend you and your team! Tracy and Chris

Carl Briggs

1731211449

Lucas and the team were fantastic from start to finish.They truly went above and beyond to seek the best deal for us to purchase our home.Cannot speak highly enough of them as they made the process seamless and less stressful through clear, constant communication.Highly recommend the team at UFinancial.

d h

1731071663

Nicole was fantastic in recognising my needs and advising suitable products for a recent refinance. Expectations were exceeded by means of efficiency and communication throughout the process. The settlement team made sure everything was taken care of. Thanks for your support and as always, look forward to reaching out when next I look at refinancing.

hamish butler

1730759977

Lucas O’Sullivan and the U Financial team offered a fantastic service that helped us understand and navigate the vast world of home loans. Lucas took the time to understand our situation and our goals and provided very clear, easy to understand explanations of all of our options. He was a clear communicator, punctual and made the whole process seamless. If you’re looking to purchase your first property and are a little overwhelmed by anything related to home loans, I highly recommend contacting Lucas and the U Financial team.

Tayla Austin

1730448185

Thanks so much to Lucas for helping me through the process of getting my first home loan. He's great, definitely recommend! 🙂

Craig Johnson

1730239717

I highly recommend Daniel Mills from UFinancial. From our first introduction, Daniel demonstrated professionalism and specialist knowledge when assistingus with purchasing our first investment property. His communication and customer-centric approach made it a seamless and less stressful process. Thanks again to Daniel and the team.

Mervin Watson

1730072217

UFinancial (Daniel and his colleagues) have been there when I needed them and have managed my business needs extremely well. Highly recommend them to anyone.

claire harding

1728541870

I would highly recommend Lucas O”Sullivan from UFinancial.due to his knowledge and expertise He was extremely helpful getting us the right loan and explaining all our options , going above and beyond and guiding us through every step.He kept us up to date , communicating on how he was progressing and made the process seamless.we cannot thank him enough . Thanks for the amazing service . Brilliant !

Kim Nguyen

1728428562

I am a first home buyer and have been on my journey for a few years, I started from scratch and knew nothing about buying a home. I've finally settled and moved and I can't speak highly enough of the support Lucas has given me over the years - no silly question left unanswered and he was always available and helpful. At one stage I looked into using other brokers (to check rates) but came back to Lucas because I knew he was reliable. If you're in the same position as me - this is your guy!

Matthew Thorp

1727683996

We were recommended UFinancial by a friend who had had a positive experience with them and equally, found them to be exceptional. Matt Stielow (Finance Broker) and Rai Nicanor (Settlement Coordinator) were amazing, providing regular updates and went above and beyond what we expected. Matt clearly has a strong knowledge in his field, providing clear and sound advice as well options. The whole finance process was extremely smooth requiring very little work on our end. Both Matt and Rai are a credit to the company and we would have no hesitation in recommending UFinancial to anyone who is looking to re-finance, take a new home loan or is just seeking financial advice. Definite 5 stars!!!

arezoo boroomand

1727674317

Very supportive and committed team. I am really happy to have them in the home-purchasing journey.

Mike Davies

1727335403

UFinancial and their staff have been extremely helpful and attentive throughout our borrowing process, from start to finish. Their follow up has also been most impressive and we are most happy to recommend them

Liam Seymour

1727237668

The whole team were so easy and professional to deal with. Great result.

George Lowe

1727235535

5 star service in a fast, friendly and extremely efficient manner whilst keeping that personal touch.

Navin Naidu

1726552939

Lucas O'Sullivan helped me refinance my loans and he did an amazing job. In fact , Lucas has been my Finance brokers for nearly 5 years now and he is simply fantastic. He is professional, structured in his planning and communication and anticipates client needs well in advance. He is on top of all my financing needs and he always happy to help. I would highly recommend Lucas if you need someone competent and who can flex with your needs when it comes to refinancing loans and mortgages. Very Highly Recommended !! Simply a genuine superstar !

Bettina Froesch

1726126390

Andrew Boseley was so helpful and got me the desired outcome for refinancing my mortgage!

Shane Okeefe

1725922967

Ufinancial have help us out multiple times from investment to re financing our primary residence, the team go over and above to get the best rates, are open to phone conversations and have taken the pain out of dealing with banks.

Fran Alleaume

1725415411

We wanted to say an immense thank you to Andrew and the team at u financial. From the start of the loan process to the end we always felt supported and updated on how the loan was progressing. Andrew was knowledgeable and proactive to ensure we could get the best loan offer! Thank you ! We would definitely recommend u financial to anyone that may be considering refinancing !

Bella Marchese

1725273721

Lucas O'Sullivan was amazing to work with during this process. He treated us with the utmost respect, always available to help and support us. We cant thank him enough for all his hard work and efforts into guiding us through the process. HIGHLY recommend Lucas, absolute superstar. THANK YOU!

Jai Gantor

1725259226

Bryce was great to deal with and helped everything go smoothly and quickly

Kane Jackson

1725233903

Daniel and the staff have been great.Fast reliable and helpful.We would gladly recommend them to anyone looking to refinance or invest!Made a potentially stressful time very easy and stress freeThank you

Angela Scott

1724975906

I found him to be easy to communicate our wants and the direction that we wanted our home loan to go. Very professional when dealing with us. Git us a great deal. Would recommend to others to use.

Susan Ciaravolo

1724889076

Daniel and the team were very helpful in refinancing my mortgage find me the best rate possible and explaining all the options available.

Ramjo Seastres

1724402976

Lucas is the most helpful and loveliest finance broker. He will do his utmost to get you the best rate ever like he did with mine. You won’t be disappointed.

Gianpaul Perpoli

1724371507

Great advice on best lender to go with and were very helpful post purchase and kept me informed all the way through settlement. Great to have on your side.

Harry Kelly

1723521096

Lucas patiently guided me through the refinancing of my investment property, showing me multiple options and add ons to enhance my investment journey. I will definitely be using Lucas on the next purchase!

David Cox

1723242051

Sensational service provided by Daniel and his team, cannot fault, very prompt with answering questions and sending information, highly recommended.

Karen Jones

1723166273

Great brokers to work with, for a refinance and also for property purchase in SMSF. These guys are quick and responsive by email, text and phone. This has been the quickest and most trouble free refinance/borrowing experience I have ever had! Seemed to have a good range of options for products and banks. Would recommend for sure!!

Kane Beaumont

1723072727

Daniel was very helpful and made the move over from banks, easy as possible.Worked hard to get us the best results, looking forward to working with the team again in the future 😃

Jai Brown

1722978405

Lucas has been excellent to deal with! He has made the whole process stress free and was able to get us the loan we were after. I would highly recommend Lucas to anyone needing a home loan!

Ivy Sigua

1722315851

Bryce Whitaker was a total lifesaver for us as first-time home buyers. We reached out to a few brokers before settling on Ufinancial services, but none of them were as accommodating or dedicated. From the get-go, Bryce was incredibly helpful and knowledgeable, guiding us through every step of the process from application to loan approval.We started in early June, and by Friday, August 2, 2024, we'll be picking up the keys to our first home. Bryce was always professional, kind, and super responsive. Not a single email, phone call, or text message went unanswered, often within a day. This was a stark contrast to other brokers who took days to reply, even though we were eager to move forward.Bryce got us a fantastic rate with a bank we already knew and liked. He made the daunting task of buying a home so much easier, helping me achieve my goal of owning a home before turning 30. Bryce provided detailed reports and plans throughout the process, keeping us constantly updated through quick meetings or emails about the loan's progress and final approval.We are beyond thrilled with the service we received and will definitely use Ufinancial services again when we move on to bigger and better things. I can't recommend Bryce enough, especially if you're a first-time home buyer. He was thorough, knowledgeable, and truly cared about making our home-buying experience smooth and successful. 100% recommend!

RobJL

1722132726

We have nothing but positive things to say about Franco from UFinancial. His communication, responsiveness and availability to help was above excellent. I'm not financially minded at all so am very grateful we had him on our team. If the rest of the team are half as good as Franco, i would gladly recommend UFinancial.

Fletcher Hustwaite

1721423878

We were recommended to speak to Mars from UFinancial by a close friend, and Mars has been an absolute pleasure to deal with. He has made the entire loan process easy and stress free. His knowledge in the industry is second to none and I would recommend him to anyone in a heartbeat. Thank you Mars!

Stephanie Ellul

1721281961

Laural, Meral and the team at UFinancial have been so helpful and reassuring throughout a long and complicated settlement process. They are always easy to contact and very informative and friendly. Would highly recommend!

Sid Terrill

1719984045

As first-time home buyers, we had a great experience with Lucas at Ufnancial. He was extremely helpful and supportive throughout the entire process, consistently checking in to ensure we understood everything that was required of us. We would recommend Lucas and Ufnancial to any first-time home buyers who are looking for knowledgeable and understanding guidance.

Amie M

1719905756

Mars is beyond words amazing. As a working couple with the kids Mars made it his mission to ensure we were across everything, harassed us in a positive way so we secured the best finance advice when securing our investment property. He is available 24/7, makes everything clear to myself who isn’t across the financial fine print and helped my husband feel confident who is fluent in financial decisions. He is the perfect finance guru. Your go to for all things finance! Absolutely recommend this gold star broker! He will make you feel confident, secure and helps every single step of the way. A bulldog at getting the best rates and ensuring your finances are in an amazing state. Couldn’t recommend highly enough. Go with Mars! 10 out of 10.

Danielle de la Cour

1718860538

We are so thankful for Daniel and his team! From the initial conversation and guidance, to more than a year later when we closed on our first home he has been there all the way. He came highly recommended in the area and for good reason. Thank you for helping make our dream come true on the Surf Coast

Stefan Tanti

1718844022

We had a wonderful experience with Mars Hana from UFinancial. This is the second time we worked with him as our broker and both times have been a seamless experience handling the financial burden when buying a house or refinancing. I would highly recommend Mars and would definitely use him again in the future. Thanks for all your hard work and support!

Jonatan Lafferrairie

1718690432

Mars has been nothing short of phenomenal. He was thorough throughout the process, he asked me about my current and my future goals and found a lender that could meet those needs. Mate would make contact with me at every stage of the home loan process (application/ formal approval/ loan docs and finally settlement) just to provide me with status updates on my application. Post settlement Mars has continued to monitor my home loan with annual reviews just to ensure I’m still on the best available rate.

Craig Mutimer

1717281680

Could not fault Andrew and his team. Always available to answer my many questions and never had to wait long for a response. Excellent service and highly recommend.

Michael Stanley

1717127772

Extremely happy with the service provided by Lucas O'Sullivan and the rest of the team. They went above and beyond to assist us with our first home purchase and I wouldn't hesitate to recommend Lucas to friends or family.

Josh Mckenzie

1715043594

Dealing with Daniel and the team has been an absolute dream. From the very first meeting right through to end they have been incredibly helpful, informative, responsive and honest. I really can’t recommend them enough.Thanks again for all the hard work

Tanya Shah-Scott

1711321065

Daniel and the team at U-financial have been exceptional. They made the whole process of purchasing our first home smooth, timely and effortless. We highly recommend them and will be using their services in the future.

Scott Cooper

1708655061

Highly recommend! I delt with Daniel Walsh who put alot of effort into getting my finance. Excellent communication and very prompt.

Christian Serrano

1701300180

Have dealt with financial.for two of my properties already and its a breeze dealing with them and taking care of updating my existing loan with the banks after getting the loan Daniel Welsh have assisted me through all the process, excellent to deal with and took care.with me all throughout.Giving him 6 stars if it could.

Andrew Sherry

1701051429

Daniel and his team were excellent from loan application to post settlement, made the process as streamlined as possible, I would highly recommend them to anyone, thanks again.

Karen Donaldson

1700947609

My husband and I received fantastic service and support beyond our expectations. Daniel was available for our ongoing questions and provided much needed support.We highly recommend Daniel and Ufinancial Torquay.

Laura Hay

1700796857

Daniel Walsh and the team at U Financial have been nothing short of amazing! The whole process has been seamless from start to finish. We were always kept well informed of where things were at and nothing was ever too much trouble. We could not recommend Daniel more highly. We will definitely be using him again in the future for any of our financial needs.

Thomas Dittmar

1700728793

I was fortunate to be recommended to UFinancial Torquay by a friend. My experience with the team, particularly Daniel, has been exceptional since day one. Their support throughout the legal intricacies of purchasing my first home made the entire process remarkably smooth. I cannot emphasise enough how effortless it was for me! Simply signing a few documents electronically and handling some mortgage paperwork. UFinancial Torquay truly exceeded my expectations, and I am genuinely delighted with my decision to choose them for such a significant milestone in my life.

Chloe Bowen

1700610328

Dealing with UFinancial has been so seamless & hassle free. All our stressors were put at ease & no hurdle was ever to high. Incredible outcome for our family. Highly recommend!

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Community

News

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Community

3 out of 4 mortgage holders who asked for a rate cut in 2022, got one.
When was the last time you had your home loan reviewed?

So what's our secret? There are none.

We talk Human!

Our default setting: transparency.

We tailor your plan for U.

We believe that simplicity makes things better for everyone.
We make the complicated, Uncomplicated.

Chris Hudson Master
How UFinancial helped me take control

Iliana Kapric
UFinancial Made it Simple

Simon Keleher
Working with UFinancial

Not what you're looking for?

I need a loan for my first home

I’m looking to refinance and save

I want to buy an investment property

I need financial advice

Not what you're looking for?

I need a loan for my
first home

I’m relooking to finance
and save

I want to buy an investment property

I need financial advice

Access our free resources

Testimonials

Exemplary communication, values and customer service

Expert assistance, advice and clarity along the way!

It couldn’t be easier.

Follow Us

News

Guides

Community

News

Guides

Community

We talk Human!

Our default setting: transparency.

We tailor your plan for U.

We believe that simplicity makes things better for everyone. We make the complicated, Uncomplicated.

Chris Hudson Master How UFinancial helped me take control

Iliana Kapric UFinancial Made it Simple

Simon Keleher Working with UFinancial

I need a loan for my first home

I’m looking to refinance and save

I want to buy an investment property

I need financial advice

I need a loan for my first home

I’m relooking to finance and save

I want to buy an investment property

I need financial advice

Follow Us

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We believe that simplicity makes things better for everyone.
We make the complicated, Uncomplicated.

Chris Hudson Master
How UFinancial helped me take control

Iliana Kapric
UFinancial Made it Simple

Simon Keleher
Working with UFinancial

I need a loan for my
first home

I’m relooking to finance
and save