Business Overdrafts

Daniel Mills and his team are exceptional to work with. I arranged an SMSF loan through him and his team and they were incredibly helpful throughout the entire process, keeping me informed at every step. Once settlement was complete, the team proactively reached out to explain how my loan worked, how my payments were set up, and even followed up after the first payment to ensure everything had processed correctly. This level of service from a broker is outstanding, and I would highly recommend Daniel and his team to anyone.

We had an outstanding experience with Chris, Xavier and their team during our refinancing and debt consolidation process. From the very beginning, they were professional, knowledgeable, and extremely transparent about our options.

They took the time to clearly explain everything, compare lenders, and find a solution that genuinely suited our financial situation. The entire process felt smooth and well-managed, and they kept us informed at every stage.

Thanks to their expertise, we were able to refinance successfully and consolidate our debts into a much more manageable structure. Their responsiveness, patience, and commitment to achieving the best possible outcome truly stood out.

I highly recommend their services to anyone looking for an honest, reliable, and highly skilled mortgage broker

What a wonderful experience we had with UFinancial especially with our mortgage broker Stacey Day. An absolute pleasure to communicate with and nothing was too hard for her. I would recommend her to anyone looking to buy a new property, her knowledge and ability to handle everything from when we made an offer to settlement made our journey so smooth and easy.
Thankyou Stacey

I have had the pleasure of dealing with Stacey at UFINANCIAL on multiple occasions to help chase my dreams when it comes to purchasing multiple properties. From start to finish Stacey was always there to help with what ever it took to get it done. Nothing was ever too hard and Stacey was always prompt with any questions or help I required.
I can’t thank Stacey enough on how great she has been on both occasions.
I highly recommend Stacey at UFINANCIAL and I would never hesitate to use Stacey and her team in the future.

Abi and her team were fantastic to deal with. They dealt with everything swiftly and professionally. Definitely recommend their services!

Shane was fantastic, always available and made everything in the confusing world of selling and buying a house easy to understand. We got a great rate and more than we were expecting. Highly recommended.

Shane has been wonderful for the whole process, answered our endless questions with kindness, and reduced our stress significantly. Thanks to Shane & the team

I had a pretty bad experience with my first mortgage broker so I was going in skeptical but Stacey was the most incredible person to help us on this journey. From start to finish her professionalism and genuine care about finding us the best loan was on display. I cannot thank Stacey enough for helping us get our dream home. You’d be a fool not to go with her.

Highly recommend Stacey Day from UFinancial. Stacey helped me purchase my first home and was an absolute pleasure to deal with. Her professionalism and communication were outstanding throughout the entire process from the initial enquiry all the way through to settlement day. Thanks again Stacey 😊

Amazing service Paul is great and his team
Are so helpful. If you are looking for a broker or finance assistance this is the place to go. We have been using Paul for 7 years and will go to work with him and the team

We’ve trusted Ufinancial Torquay, and Leigh Deledio and Daniel Walsh in particular, with our finances for over 10 years, and that says everything. From our very first home loan through to car finance, life insurance and multiple remortgages, they’ve been there for every big milestone.

Leigh’s leadership brings a level of confidence and reassurance that’s hard to put into words — you always feel like someone incredibly capable is quietly steering the ship. Daniel, on the other hand, has this rare ability to make you feel instantly comfortable. He’s warm, genuinely caring, and takes the time to really listen, which makes such a difference when you’re making big life decisions. His communication is impeccable.

Together, they remove the stress, the overwhelm and the fear that often comes with finance. You feel supported, understood and looked after — not just as clients, but as people. We couldn’t recommend them highly enough and are incredibly grateful to have had them in our corner for so many years.

We were originally going through Bendigo Bank for our loan and were assured at every step that we would have no issues obtaining finance. Then, the day before our deposit was due, they completely pulled the rug out from under us and left us up a very particular creek without any paddles.

We were put onto Daniel Walsh from U Financial by a good friend when we first decided to purchase a property, and in that moment of panic we reached out to see if he could perform a miracle. Somehow, he did — and made it look far easier than it had any right to be.

Every single step of the process was clearly set out, and every question we had was answered quickly, in depth, and in a way we could genuinely understand. Daniel’s knowledge and expertise throughout the entire process were nothing short of impressive.

Even while away golfing in Queensland, he made the time to get back to us on time-sensitive matters, which really says everything about his dedication. He was consistently responsive, attentive, and genuinely cared about getting the best outcome for us.

We can’t recommend Daniel highly enough to anyone needing a broker. What was originally a nightmare turned into a smooth and successful outcome, all thanks to him.

Thank you for making it all possible, Daniel — from two very happy new homeowners. Chris and Fi

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 🙂

Mars was awesome to work with. Super responsive and helpful, would definitely use him again on our next property purchase. Thanks Mars and Mon!

Stacey is the best. I honestly had no idea what I was doing to begin with, Stacey guided me through buying an investment property every step of the way. Can’t thank Stacey and her team enough.

I’ve trusted Paul as my broker for many years now and wouldn’t go anywhere else. He is brilliant, knowledgeable, trustworthy, and always takes the time to explain everything in a way that makes sense. I have full confidence in his advice and decisions, and I know I’m always in safe hands. Highly recommend to anyone looking for a broker they can genuinely trust.

Paul was extremely helpful with his knowledge and advice. All the stress of first home buying was taken away with Paul’s experience.

I've been with Nelson Financial for about 8 years. Paul and the team are the best professional services providers I've ever worked with. Consistent excellent service and advice year after year.

George one of brokers at ufinance helped me get one of my dream cars and I honestly can't thank him enough, he went above and beyond and with exceptional customer service. Thank you George!

Excellent work by Paul and team! We have engaged Paul to assist with finance for two property purchases over the last couple years and he has provided very good outcomes each time. Paul takes the time to discuss and understand our needs to find the best possible financial solution. Highly recommended!

We are long term clients of Paul and Daniel utilising their services for a number of different financial needs. Paul, Daniel and team make each process so easy, guiding us through every step - we really don’t have to think for ourselves at all it’s great! The information they provide is always accurate in regards to finances and turn around times. We wouldn’t hesitate to use them again. Thank you again guys! Tas and Bondy

The best in the business. Everything is explained clearly. Stress free and friendly.

Paul has financed us several times over the last 10 years. Never any issues. Outstanding knowledge of everything.

Great service and communications. Always fee well looked after with Paul and the team.

Paul is great, very thorough and committed to getting you the best outcome possible.

Can highly recommend Paul’s services. He is transparent, supportive and provides the best advice with clarity. Have used Paul for years now.

I worked with Stacey and her team at U Financial to purchase my first property and I couldn’t rate them higher. Stacey was so easy to deal with, communicated and explained the whole process to me to make it less daunting and made me feel so at ease. Stacey always had my best interests at the forefront and I am so grateful for her help in securing me my first home! I cannot thank them enough and would recommend Stacey to all my friends and family going forward!

Once again Matt and his team were amazing in helping with all our financial needs, so goods it's our 3rd time dealing with them. Always professional and go above and beyond. So good wouldn't recommend anyone else .

We cannot recommend Shane Martin highly enough. From start to finish, Shane provided exceptional service and expert guidance throughout the entire refinancing process. His knowledge of the market and ability to explain complex information in a straightforward, easy-to-understand way made the experience smooth and stress-free.
Shane took the time to understand our individual circumstances and goals, ensuring the options presented were genuinely suited to our needs. He was proactive, responsive, and keeping us informed at every stage. Shane went above and beyond to secure the best possible outcome and made us feel supported and confident throughout the process.

We recently worked with Stacey Day as our mortgage broker, and we honestly couldn’t have asked for a better experience. From the very beginning, Stacey was incredibly helpful, thorough, and always one step ahead. Her communication was exceptional, she kept us updated at every stage and made what could’ve been a stressful process feel smooth and straightforward.

Stacey didn’t just organise our finance; she supported us with everything surrounding the purchase. She guided us through dealing with conveyancers, coordinated with real estate agents, and made sure every detail was covered. Her dedication, professionalism, and genuine care for her clients truly set her apart.

If you’re looking for someone reliable, knowledgeable, and invested in helping you achieve the best outcome, we couldn’t recommend Stacey highly enough. She made the entire journey feel easy, and we’re extremely grateful for all her hard work.

Shane Martin is a great communicator and acts promptly when time is of the essence. I would highly recommend his services.. A great outcome for my husband and I in purchasing a dream property.

Thanks Dan and the team
Absolute superheroes!
Was recommended and would highly recommend

Dan was particularly good and calmly explaining information to me and answering any questions I had. He ensured that I was not stressed through the whole settlement process.
As a first home buyer Ufinancial put my mind at ease from start to finish

Shane and his team were amazing, guiding me through a complex loan (equity release with change of lender and also purchasing another house at same time). Could not have navigated it without Shane, thank you!!!

Shane and his team are absolutely amazing! Highly recommended! I’m a person who gets very anxious in bank or application type of situations and Shane and his team looked after us so well that, that feeling went away! Thank you so much!!

Daniel Walsh was outstanding. He went above and beyond to support us through the entire refinance process. Daniels advice was informative and measured, giving us honest and useful advice. He and his team made the process really smooth. We look forward to working with Daniel and the team again that's for sure.

Ufinancial have been incredible. Ben makes it seamless from idea to execution every time! I could not recommend Ben and ufinancial more

Shane was an amazing broker. He is always lovely to talk to, always accessible and very productive. We could not have gotten through this process of buying my sister in law out without him. Thank you again for all of your help. HIGHLY recommend!!!

If you’re looking for someone to take care of your mortgage look no further than the one, the only, Superstar Shane, and his awesome team. Shane has a wonderful, down to earth manner, he gets the job done without any fuss. He helps you to feel at home, while you’re searching for your next home…for what can be a pretty stressful experience, Shane’s care and dedication to the task is second to none and had us feeling at ease throughout the all whole process. Shane, you’re really are the lending legend of the Surf coast! Thanks again for all your hard work.

Absolutely satisfied with our mortgage broker. Daniel has been attentive and efficient with his services. Daniel really looks out for the client, he has some great strategies 100% puts the client first. No Jargon, he knows how to simplify the terminology so you can understand fully what's happening.

We are so happy we used UFinancial for negotiating our loan. We have so far been able to keep the same bank. Yet our interests rates have been reduced twice now by our broker Daniel, in 6 months, on top of the RBA reductions.
We will definitely be sticking with these guys for our existing loan amd any other future loans.
Thanks heaps Daniel, we really appreciate it!

UFinancial have been fantastic to work with. Andrew and Therese provided consistent support throughout the entire process and made everything smooth and stress-free. Really happy with the service and would highly recommend them!

Paul has helped us with getting two home loans now and has been awesome both times! Very easy to work with and makes the process simple!

After a divorce, I have had to go through a refinance process. It hasn’t been a smooth transition but Shane Martin has been awesome. Always available and responsive to my many questions and put my outcome first to allow me to refinance and get a great rate. Great bloke and easy to get along with which I think is an important aspect in this type of work as you want to be able to relate with someone as well as not overcomplicate or overstress when it can easily occur

Will happily be recommending his services to all my friends & family and plan to use him again whenever I have any broker needs.

My partner and I have been working with Shane to get into our first home. From the first meeting with Shane, everything has been so incredibly easy, being our first property we did not understand anything! But Shane has been amazing at explaining the process and making sure we are kept updated and informed. He has assisted with all aspects and gone above and beyond for us and we could not be more grateful. We have now found our first home and Shane has been amazing organising everything regarding our loan, we are so appreciative of all the help through this tough process and cannot recommend him enough!

We went with Mint Equity / UFinancial group after they were recommended to us by a work colleague. Shane Martin has been helping us with the purchase of our first home using the 5% FHBG Scheme in the Lake Macquarie region.

Shane has been a pleasure to deal with from the start - he is an excellent communicator who is very fast at responding to e-mails and phone calls, and has been extremely patient with answering all of our questions about the process. As first home buyers, we were very nervous about our first purchase, but Shane has made it easy and taken all of the stress out of it by talking us through everything step-by-step - at times he was more like a psychologist, reassuring us with everything to calm our nerves, haha! He is very experienced and highly professional.

Shane gave us a choice of several lenders, talked us through the pros and cons, and helped us to choose the best home loan product for our financial situation. Shane made sure to prioritise our application during our cooling off period in order to get our finance approval on time. I cannot recommend him enough!

Our lending specialist was Angie Zambra who was also lovely to deal with. We are very happy with our overall experience, and will continue to use Shane as our broker in the future. We are in our late 30s and thought we would be life-long renters, so it is an absolute dream come true to have finally reached this milestone of buying our first home. Thank you so much, Shane and Angie!

Paul and Nicole have been amazing with helping us secure our first home loan 2 years ago. Paul has been a wealth of knowledge and educated us on all things mortgage and budget related.
Definitely highly recommend!

Paul provided exceptional service when reviewing our home loan structure. He thoroughly assessed our situation and gave us honest, straightforward advice – recommending we stay with our current bank but split our loan between different products. What really impressed us was Paul’s integrity. He could have easily pushed us to refinance elsewhere for his own benefit, but instead he put our interests first, even though it meant he received nothing for his time and expertise. Paul’s professionalism and genuine commitment to helping us make the best financial decision, rather than just earning a commission, sets him apart. We highly recommend Paul to anyone seeking honest, trustworthy mortgage advice.

Paul Nelson and his team provide me with ongoing amazing service. They are diligent, friendly and professional. Can highly recommend (and do regularly!).

Paul is a broker wizard! Can’t recommend enough always pulls through even with the trickiest of situations

Dan Walsh, Franco Theuma and the team have been marvellous from start to finish. Mortgaged 2 homes, reassessed all our insurances, seamless and so helpful. Friendly, professional and knowledgeable, can't ask for more. We'll be with them for life now. Chat soon team! Love The Holts

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

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!

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 🙂

Maddie and Paul I can’t thank you two enough. I am over the moon with how everything went regarding my mortgage and refinancing and manifesting my dreams. You both made it possible. Thank you so much. I’m very grateful. If I need anything else I definitely will come back to see you. Thank you.

Absolute legend. Paul has been a rockstar broker for us over the years, and is genuine in helping people achieve financial goals. Wouldn’t trust anyone else.

Clear, prompt, attentive and personable. Mars and team sorted everything from start to finish in refinancing home loan very quickly but taking the time wherever needed to explain further. Thanks.

Stacey and the team at UFinancial were always prompt, professional and always kept us in the loop and would always check in.
Would definitely use them again. 😊

I can’t recommend UFinancial enough. The team made the whole loan process so much easier than I expected. They really listened to what I needed, explained things in simple terms, and kept in touch the whole way through so I always knew what was happening. Nothing ever felt like too much trouble — they were patient, approachable, and genuinely wanted the best outcome for me. It took a lot of the stress out of what could have been a really overwhelming process. I’d happily work with them again and recommend them to anyone looking for help with a loan.

Ufinancial were great with assisting me with buying my first home. Could not recommend them any more highly.

Couldn't be more appreciative of Paul and the team at UFinancial. Helped me and my partner Ashlee in getting a loan for our first house. Went above and beyond to help us.

Paul and the Team were so helpful in getting all the correct documents together. Keeping us informed every step of the way. Many thanks for all your help.

Excellent operation. Excellent customer focus and service. Highly and easily recommended.

Very happy client here, very helpful, guided me from start to settlement. Highly recommended.

Great help throughout the whole process. I was able to ask any questions with a very quick response. Thank you.

Working with Stacey has been a fantastic experience. She was excellent at communicating with us through every step of our home loan process. Thanks Stacey!

Daniel and the rest of the team were absolutely fantastic to work with as we went through the process of buying our first home.

Extremely helpful and professional.

I can highly recommend Ufinancial, Dirk and Stacey were fantastic to deal with. The stressors buying my first home were eased, my questions were always answered and my concerns reassured.
Outstanding communication with Gold Star Customer service!!
The whole experience with Ufinancial made the process a very special moment.
Thank you

Absolutely amazing experience. Helpful throughout the entire process, and Franco was always doing his best to get me the best outcomes at every stage of the process. I would recommend him and the UFinancial team to anyone I know looking for a good broker.

Buying my first property was a daunting thought but the whole Ufinancial team made the lending journey really seamless. Their experience and customer service gave me peace of mind that I was in the hands of experts. I'm so glad I had them on my side. Daniel and Therese were great. Highly recommend to anyone looking for a mortgage broker!

We highly recommend Paul to anyone looking for a smart and dedicated financial planner.

I highly recommend Paul at UFinancial. He was incredibly knowledgeable and took the time to take us through all the information and answered our questions. Paul accommodated meetings after work which made the process easier for us too. Thank you!

Stacey my broker was incredible! Her and her teams persistence in checking in and following up on information and documents ensured we were able to organise my refinance in a short period of time. He truly went the extra mile to secure the best rate for me after my original lender came in with an offer too good to be true. I’ve already recommended Stacey to two of my friends and will continue to use her again in future.

Great service, professional, up to date information and follow up.
Wonderful to work with.

Nobody can say seeking finance is a great experience but dealing with Kayla Wood from U Finacial ( Broker House Shepparton) and her team made it as painless as possible. They made a dream come true when others simply threw it in the " too Hard Bin"
Amazing commitment to get a desired result
Would never use any other company when looking for finance

Daniel and the team were fantastic from start to finish helping us find & buy our new home. They made the process enjoyable & didn't miss a beat. We will be recommending Daniel & the uFinancial team to our friends and family moving forward! Thank-you.

The Ufinancial team were fantastic to work with, prompt and lovely to deal with

Bryce from UFinancial was terrific, he always communicated really promptly with us throughout the entire process and we were never in any doubt as to what was happening. Any queries or issues were addressed immediately. I have no hesitation in recommending Bryce and would certainly use him again.

So easy and efficient. Got me pre-approved with 48 hrs and settled within 8 days 👌

Great team
Friendly and supportive
Sorted my finances with good advice even if it was what I didn't want to hear
Would recommend Ufinancial to look after your financial situation
Thanks Ufinancial team

I highly recommend Stacey and the team at UFinancial.
My home loan was quite complex and was a long process, however Stacey was there for me every step of the way with whatever support and expert advice I needed.
I had numerous queries through out the process and Stacey responded to all of them in a timely manner and with elite client service. No issue was too big or too small for her to handle. I was always comfortable reaching out for assistance.
Stacey made me feel like I was the most important client and was an absolute pleasure to deal with.