November 12, 2020 UFinancial

Refinacing guide

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‘Should I refinance my home loan?’ 🤔

‘How do I go about it?’❓

‘Should I go straight to the bank or should I use a broker?’ 🙋

‘Should I change my type of loan?’❓

UFinancial’s guide to refinancing answers the questions above and more! We cover the most common reasons people refinance, costs and steps involved in refinancing your home loan.

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5.0

Based on 277 reviews

UFinancial

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Alan & Krystal Coignet

1714345073

I've dealt with a few brokers in the past, but our dealings with Mars and the UFinancial team were honestly second to none! He took the time to really understand our situation and what we needed. He didn't disappoint! He looked at our finances holistically and took the time to understand our long-term goals.Even when other brokers had told us it wouldn't happen, Mars kept pushing. He found a way to get us the funds we needed for our construction loan, when everyone else said it was impossible.Mars isn't just good at what he does, he genuinely cares about his clients. He made the whole process stress-free and got it all over the line so quickly!A huge thank you to Mars and the UFinancial team!

M Hana

1714181408

Mars was extremely helpful in providing us with a private funding deal. The process was easy and allowed us to access equity in a property that was on the market for sale so that we could continue on with our next project.

Shanti Ghole Lama

1713925329

Mars was exceptionally helpful. Very thorough and kindly answered all our questions.

Marlin Hana

1713848089

Mars has been amazing in the way he has dealt with our refinance. He found us a bank that provided us the highest possible valuation and we avoided LMI and were able to reduce our interest rates. Highly recommend Mars and Ufinancial

Luca Dardano

1713845539

Mars has helped us recently with a refinance and as a self-employed person I always found it hard, but Mars really simplified things and made it easy for us. Would recommend Mars and Ufinancial team.

James O'Sullivan

1713769697

Lucas and the team made finding a home loan so easy and we're very supportive and helpful through the whole process from pre-approval to settlement. Very grateful for their work!

Linda lodge

1713568356

Andrew and Bryce make the whole refinancing of investment loans so easy. My previous experience with financing was so awful that I had been willing to pay extra for my loans rather than go through the process again.I finally took the plunge with UFinancial and was so happy with the process. Being able to docusign documents and having the requirements explained to me over the phone or via email was a pleasant way to get all the documentation done.Thank you to Bryce and the team for assisting us along the way.

Tegan Rogers

1713246309

Can not recommens UFinancial enough! Nicole and her team have been brilliant in assisting us with our first home. Very professional and so friendly. I really appreciate all the support

Maria Schmidt

1713144189

Outstanding experience with this company, Daniel and Abi worked closely with me, hand holding me through the loan process, helping me understand my options, every detail of the application, through approval, and supporting me then. I had a significant timeline challenge, and these guys made it happen and look easy in no time (seriously, no time), pretty amazing, almost effortless operation. Their scope of advice is much wider than just home loans, too, which helps with the holistic financial picture. I'm not going to anyone else now, thanks guys!

Ally Murphy

1713090152

We love working with the team at UFinancial. We have worked with Cameron and Lucas over many years and it's been easy and very professional dealing with them. They have consistently got us low rates and saved us thousands of dollars of potental interest costs.

Alexander Sherriff

1713087716

The service that Lucas and the team at uFinancial provided has been seamless from day one. They are always willing to answer questions in a professional, friendly and helpful manner. We had Lucas recommended to us by a friend and would 100% recommend him and uFinancial to others. Thanks for helping my family and I get into our first home.

Gwen Underhill

1713010710

Ufinancial helped us to get our loan. Andrew and his team were always very professional, available and knowledgeable about the process. We would happily recommend them.

Peter Sommer

1712535055

Received the best possible help from Andrew Boseley and the UFinancial Team. My wife and I were purchasing a new property and wanted the best rates for this and our existing loans.Andrew did more than find us the best interest rates, he established a great loan structure, guided us through every step and would help us with the completion of the loan documents. The UFiunancial Team were also fantastic with the settlement process.We have had help from other mortgage brokers in the past and although good, Andrew and the UFinancial Team are so much better.I will be recommending Andrew and the UFinancial Team to my family and friends.

Ted Murchie

1712203037

I recently had the privilege of working with Lucas O'Sullivan from Ufinancial for my first home loan, and I was thoroughly impressed with his attentiveness. From the initial consultation to settlement, he demonstrated a deep understanding of the various loan options available and provided clear explanations. His transparency, honesty, and professionalism significantly reduced the stress associated with obtaining the mortgage on my first home, making the process hassle-free.The best part was he would always be there to answer my call.I cannot recommend Lucas highly enough for anyone wanting to investigate their options for a new investment or first home!

Behnam Kabiri

1712040982

I want to extend my gratitude to Franco Mazzeo and the entire team at UFinancial for their exceptional service and great rates! Franco guided me seamlessly through the home loan refinancing process, ensuring I secured a fantastic rate. Communication was clear and their personalized approach made me feel valued. I highly recommend UFinancial to anyone seeking financial assistance. Thank you, Franco, for making the process stress-free and for helping me save money in the long run!

Jennifer Villar

1711957077

Friendly, easy to talk to team. They went above and beyond to help me apply for a home loan. I can't rave about them enough. Highly recommend! Thank you to Andrew and the team 😊

Alex Steblev

1711497581

Great service! Very quick home loan approval with good conditions and minimum hassle.I highly recommend our mortgage broker Bryce Whitaker, who went an extra mile to make it happen.

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.

Alicia Holbrook

1711100267

Absolutely flawless experience with Andrew & the team from U financial from the first phone call all the way through until settlement. Andrew went above & beyond to get me over the line to secure a home loan at the best possible rate and loan features. Extremely efficient and thorough communication throughout the entire process. I can not recommend this team highly enough. Thank you so much 🙏😊

Tom Atkinson

1711089031

We have engaged UFinancial over the last 12 months for planning, superannuation advice and mortgage restructuring. All services have been first class. They demonstrate exceptional experience and insight in improving return and managing financial risks. We have benefitted immensely both from the advice they have shared and the decisions we have been able to put in place as a result.

Jordan Grice

1711052896

Absolutely outstanding service, the team at UFinancial were nothing short of fantastic and got us into our first home despite multiple road blocks. can not recommend Daniel and the team highly enough

Samantha Meilak

1710909322

We have used UFinancial several times is the past 5+ years. Highly recommend. Always an efficient and professional service.

Andrew Dickson

1710549069

Love the fact that I can use their calculator with any amount I like, with any rate I want. No email or any other info required. Well done!!

Nichelle Camenzuli

1709936588

Highly recommend UFinancial. Daniel initially talked us through the process and our options and was very knowledgeable.l and happy to answer any questions. We then worked closely with Alyssa through the actual process. Her communication was amazing and although there was delays caused by the developer and bank that were out of her control, she kept us informed the whole way and went above and beyond to keep everything on track to ensure finances were all set for a smooth settlement! Super impressed!!

Rosanna Malowney

1709691749

Excellent service, open and responsive from initial contact. Informed every step of the way and never felt pressured to continue. Very informative and a lovely team, just sad we didn't find Mars and UFinancial when we started our mortgage journey! Thanks again

Michael Hewson

1709639204

Absolutely stellar service. My guy Jack helped me so much. I am a new business owner and I'm honestly know nothing about tax, well I should say knew nothing, Jack taught me a lot. They helped me with the whole process, sent me reminders when I was late. Really held my hand through the process. Jack is the man.They also helped me save more money on tax than if I did my tax myself. I had no idea.

Will Hellier

1709181862

As a first time home buyer, Lucas at UFinancial made the process of getting a home loan extremely easy and took the stress out of a stressful experience.

Ian Hill

1708929659

Daniel is a gem - an expert in his field who understands people and in doing so delivers quality service and great outcomes for his clients

christian renaud

1708894750

The team at Ufinancial are excellent, friendly and always helpful. I highly recommend.

Scott Cooper

1708655061

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

Brett Pemberton

1708654214

We have been very happy with the service and communications from all the team at UFinancial. They offer an excellent service and they advise and assist where possible. We highly recommend UFinancial for all your finance needs.

Jacob McGarry

1708159058

Andrew and his team were absolutely fantastic in helping me buy my first home. He was incredibly knowledgeable, answer all my questions and made sure everything went smoothly.

Erick Aranda

1708051522

Outstanding support and professionalism provided by Franco and the UFinancial team throughout the process of obtaining my mortgage. The communication was nothing short of perfect. The team ensured that I was kept updated with any news, progress, or changes throughout the entire process. This level of transparency and attentiveness made what can often be a daunting process remarkably smooth and stress-free.

Stephen Gosling

1707955892

We had an excellent experience with Mars and the Ufinancial team. Mars was professional and he was always in communication with us throughout the whole loan process to make it easy for us. We would highly recommend Mars and the team.

David N

1707947314

A fantastic experience dealing with Ufinancial, and especially Andrew. Great customer service, very responsive and very knowledgeable in his field.As someone who doesn’t k ow much about purchasing property, he happily guided me throughout the whole process, and gave me great options.Highly recommend.

Blake Morton

1707936739

Marcel is great to deal with. He made buying my first home so easy and stress free.

Tyson Buechler

1707376378

Super service, support, guidance and professional advice from the team at UFinancial. I have been using UFinancial for over 10-years, we use them for both personal investment and business finance. I'm always greatly appreciative for the prompt replies expert advice, competitive rates if not always the best and professionalism from the team. A shout out to Hayden, Angus and Andrew!!! Cheers again and THANK YOU !!!!

BLM

1707347625

Excellent service and great knowledge of the market. Thanks Lucas and Abigael for your timely assistance in securing pre-approval. Highly recommended!

Archie Whiting

1706851534

Great team, fast turnaround time with high level communication. Recommend.

Shelley McGarry

1706825126

I would like to thank Andrew, Nicole, Rochelle, Debbie and the UFinancial team for helping me re-finance my mortgage recently. I hadn't ever thought of looking into re-financing, but my son suggested I contact Andrew to see if UFinancial would be able to help.Andrew explained the process, took my individual situation into account and was able to find a home loan which fitted my financial situation much better. He kept me up to date with the entire process, answered my questions, provided all the information I needed and I am thankful for the support from him and all the team.I would definitely recommend UFinancial if you are looking to refinance your home loan.

Daniel Joe

1706754724

Mars has been amazing as our broker, he was able to help us refinance our commercial property after we had a bad experience elsewhere. Would highly recommend Mars at UFinancial

jaidyn caruana

1706677536

Highly recommend using Mars I have had such an amazing experience dealing with him, it has been completely stress free and such an easy process! He is one of the best in the business and I would never use any other broker besides him, he is extremely good at what he does and an even better bloke!

Rhiannon Jade

1706660465

Mars and his team have been fantastic to deal with, making the process of securing my new home-loan as simple and stress free as possible. I can highly recommend Mars and will definitely be utilising his services for all finance related matters going forward.

Stewart Lines

1706657811

Excellent customer service with UFinancial checking in and following up on our progress.Surpasses my experience with other similar services and it was beyond expectations when they reached out to us unprompted to conduct a review of our position and proactively reach out to our banks.Definitely would recommend.

Jolyon Penry Williams

1706492922

I have just refinanced due to a divorce.I could not speak highly enough of UFinancialMars Hana my broker was nothing short of amazing.He worked tirelessly for a fantastic result. My situation was complicated and difficult.Mars worked tirelessly, even during his Christmas break. Mars was very pleasant, easy to deal with.I could not have hoped for a more dedicated broker, Mars continued helping me into his Christmas break, when I had given up on securing a loan.I will always be grateful to Mars and apprecitive of hard work and dedication.He could not have done moreThanks again UFinancialJolyon Penry-Williams

David Symons

1706479088

Could not recommend Daniel Walsh and his team any more - Amazing service, advice and responsiveness throughout the process of obtaining a home loan - Will continue to use Daniel and his team exclusively in the future.

Georgina Alsop

1706226919

Have worked with ufinancial a number of times and they have always been helpful.

Fran Higgins

1706152443

If you want to own your own home these guys were great they went above and beyond and were so helpful!

Samantha Robertson

1705887107

Mars and his team have been fantastic to work with, assisting us with all our financing needs. They've provided quick responses and turn around times and always found solutions when required.

David Middis

1705647865

Daniel and his team are great at what they do, quick to answer questions and patience to explain anything that we didn't understand.

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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