Your Local Mortgage Broker - Geelong, Surf Coast & Bellarine Areas

Talk to the team today

Local Experts. Real Results.

Based in Torquay, we service Geelong, the Surf Coast and Bellarine Peninsula, providing expert mortgage advice tailored to your local area.

Whether you’re buying your first home, upgrading or refinancing, our Surf Coast team is here to help you make confident decisions with your home loan. We specialise in helping locals secure the right loan with the right lender – and we do it with heart.

Torquay Beach
Torquay
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Geelong
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Surf Coast
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Bellarine

Got a Question?

We’ve got answers

How much can I borrow?

How much can I borrow?

We’ll help you understand your borrowing power based on your income, expenses, and goals. Use our free calculator to get an instant estimate and start planning with confidence.

Check your Borrowing Capacity
What’s the best home loan for me?

What’s the best home loan for me?

Fixed, variable, offset, or package —we’ll guide you through the options. We compare over 30 lenders to find the right fit for your lifestyle and budget.

Chat to our team
Can I refinance to save money?

Can I refinance to save money?

Yes — and it could mean thousands back in your pocket. We’ll assess your current loan and show you how switching could benefit you.

Compare & Save
Do I need to meet in person?

Do I need to meet in person?

Not at all. We’re flexible to suit your schedule. Choose online, phone, or face-to-face appointments in Gold Coast or Sunshine Coast.

Book a free chat

#image_titleThe Real Question with UFinancial

The Real Question with UFinancial Podcast- Leigh Deledio & Paul Nelson

Local voices. Real stories. Smart money.

The Real Question with UFinancial is your guide to all things finance, property, and community. Hosted by Leigh Deledio & Paul Nelson, each episode blends real client stories, expert insights, and local legends to help you navigate money with confidence.

Whether you’re buying, building, exploring the market or just curious, this is where strategy meets lifestyle— recorded right here in the Surf Coast, Torquay.

Listen on Spotify here!

Proud supporters of our local community

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Torquay Football Netball Club
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Torquay Bowls Club logo
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Surf Coast Basketball Association logo
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Jan Juc Cricket Club logo

Real Savings, Real Stories

Bailee Kane
2 months ago
Bryce and the team at UFinancial were amazing from start to finish of our mortgage process as first home buyers. Couldn’t recommend them more!
Jasmine Arnold
2 months ago
Bryce Whittaker and the team at UFinancial have been excellent assisting me with finance for my mortgage and providing options and advice for other financial needs. Friendly, responsive and knowledgeable. Thankyou.
Mia Wilson
6 months ago
Laura and her team were exceptional to deal with when helping arrange the finance for the purchase of our first home. Her professionalism, knowledge and communication was second to none. I would highly recommend her to anyone looking for a mortgage broker!
Laura Terrnova
6 months ago
Abi and her team were fantastic to deal with. They dealt with everything swiftly and professionally. Definitely recommend their services!
Jessica Mateljan
8 months ago
Laura Biggs helped us throughout our entire journey to find our dream home! She's incredibly diligent, knowledgeable and communicative. I couldn't imagine anyone better to have guiding us through the purchase of our first home. I highly, highly recommend Laura 🙂
Ryan Wharton
11 months ago
Laura and her team at u financial have been nothing short of excellent & amazing! Genuinely can not fault them or thank them enough for their attention to detail and professionalism throughout the process!
Karen Cole
11 months ago
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 Laura and team at UFinancial, if there is a fifth property purchase, we would only use you! UPDATE: turns out there is a fifth property purchase and once again Ufinancial got the deal DONE! thanks Laura and team 🙂
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