Cashflow Lending

UFinancial have been incredible to work with! Stacy and the team supported us every step of the way. As first-home buyers, we had so many questions, but Stacy made everything easy to understand and was always patient and clear in explaining the whole process.

She was always just a phone call away and would go out of her way, at any hour, to make sure we felt supported and confident in our decisions. We truly couldn’t have asked for a better experience.

Thank you, Stacy and the UFinancial team, for helping us buy our first home — we’re so grateful! 🏡✨

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.

UFinancial was absolutely great to deal with and really helped me get on track for my first property, having guidance through the loan process & genuine want to help was really appreciated. being a first home buyer, I had a lot of questions and had no idea what I was doing at the start. Having the support the whole way through is something I'm very grateful for. Big thankyou to Daniel Walsh and the UFinancial team!

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!

“I had an excellent experience with this mortgage broker. They took the time to understand my situation, provided expert guidance, and secured a great rate. The process was smooth, efficient, and stress-free. I would confidently recommend them to anyone looking for a reliable and knowledgeable mortgage broker.”

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.

Stacey was excellent from start to finish I absolutely recommend her and her team to assist you with your financial needs.

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!

Paul was incredibly helpful and took the time to explain everything carefully. I was very appreciative of not only the support but the flexibility with his approach, and being able to meet or sign documents after work and sometimes with a child in tow! With what felt like a daunting process at first was made incredibly easy. I highly recommend Paul and U Financial.

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 👌

Paul was with us every step of the way, could not have purchased without him! Very reassuring for first home buyers, and happy to answer any question, big or small - which helped enormously!

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.

Mars and the team at U-Financial are amazing! They have help construct a fantastic plan for our finances that is now in place! Thank-you very much!!

Franco at UFinancial has been an outstanding finance broker to us for many years. He’s highly professional, knowledgeable and always takes the time to answer our questions. We couldn’t recommend him more highly.

The U Financial Team have been excellent to work with. Professional from start to finish, friendly, helpful, courteous, explaining everything very well, with clear information and relevant detail to help us make informed decisions, and great communication all the way through. I would recommend without hesitation!

Had a good experience with Shane Martin was pleasantly surprised with his fast turn around and customer service. as the selling real estate agent ive never had a broker call me to let me know the buyers finance was approved in 10 years of selling real estate .

We dealt with Paul Nelson at UFinancial and cannot recommend him enough. He helped us gain finance for land and build and was very helpful and extremely knowledgeable throughout the whole process. Was always very responsive whenever we had any questions and spent time explaining everything clearly to us. Have no hesitation recommending him and would definitely go back to him in the future if we need to.

The entire team at UFinancial went above and beyond in their service. Friendly, supportive and absolutley professional in every interaction with us. We simply wouldn't work with another financial team when we can work with UFinancial...fantastic!

UFinancial has been very helpful in setting up my home loan for a new home build. Their staff have also been very willing to answer any questions that arose from the process in a friendly manner.

Couldn’t rate Bryce more highly. He did a fantastic job securing our home loan/refinancing for our investment property. He truly went above and beyond, available whenever we needed him. We are very grateful. Thanks Bryce!

Paul is not only very knowledgeable, but is able to communicate anything in layman's terms with a friendly smile. Highly recommend!

We had an awesome experience with UFinancial. Bryce Whitaker and his colleagues just surprised us all the way. Well done guys 🙏🙏

Paul and the team has done the whole family now.... easiest and most streamlined brokerage assitance I have received so far and couldn't be happier.

Our experience with Paul has been smooth sailing and an absolute pleasure to deal with.
Paul and the team went above and beyond to find the best deal for us to build our dream home.
Highly recommended A+
Rich & Shez

Andrew is honestly amazing. He made the whole process easy and stress-free, and I always felt like I was in good hands. He knows his stuff, gives great advice, and really cares about getting the best outcome. Wouldn’t go to anyone else!

Paul and his staff were amazing. Very welcoming. The experience working with Paul was one I’d recommend. Would always respond to any questions with a quick response. The process went seamlessly and Paul got the best outcome. Again couldn’t recommend Paul and his staff at UFinancial in Torquay.

The best of the best. I wouldn't use anyone else. Highly regarded. He put me on the right path to success. Is he a Torquay local after living there for 20 years?....almost 😆

My meeting with Paul this week was one of the most beneficial financial meetings I’ve had in a long time. I felt like Paul gave a balanced honest assessment of the situation and very knowledgeable options to move forward.

Paul and the team have helped us with our loans several times. They are extremely helpful and knowledgeable. Highly recommend the team at U financial

Daniel Walsh was a pleasure to work with, prompt & very knowledgeable. Will definitely do business again in the future! Thank you

Very happy with UFinancial service. Daniel was very attentive and guided us through the process seamlessly. Recommend their services to anyone on Surf Coast looking for a loan.

We had an absolutely fantastic experience working with Nelson Financial on securing our home loan. From start to finish, the process was smooth, stress-free, and incredibly efficient — far exceeding our expectations.

A special thank you goes to Paul, who was nothing short of amazing throughout the entire journey. His professionalism, responsiveness, and depth of knowledge made us feel confident and supported every step of the way. Paul took the time to explain everything clearly, answer all our questions with patience, and ensure we were comfortable with each decision.

What could have been a complicated and overwhelming process was made easy and straightforward thanks to Paul and the entire team at Nelson Financial. We always felt like a top priority, and their attention to detail and commitment to excellent service truly set them apart.

We couldnt be happier with our experience and highly recommend Nelson Financial to anyone looking for a seamless, trustworthy, and personalised home loan process!

Would recommend visiting paul to assist with your mortgage advice. He made things very easy and straightforward and has helped me to buy my home!

Paul provided excellent service & guided us through our first house purchase in Australia in beautiful Torquay. Thank you, couldn’t be happier 😊

the ufinancial team have been nothing but fantastic to work with, they guided me through the whole process making everything so simple, they really made me feel like a priority, excellent service! now in my dream home

Paul and the team made everything so easy and have great communication.
Highly recommend.

Paul is extremely knowledgeable and very patiently explained everything while helping us get a mortgage for our first house. He didn’t flinch when we proposed a very short settlement period and we were amazed by how smoothly the transaction went.
He checks in regularly to try to get us a better deal and always has time for our dumb questions.
Cannot recommend Paul highly enough!