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

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.

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.

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.

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.

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.

#image_titlePodcast dropping soon!

Local voices. Real stories. Smart money.

Beyond the Break is your local guide to all things finance, property, and community on the Surf Coast. 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—right here in the Surf Coast, Torquay.

Coming soon! Keep an ear out.

Proud supporters of our local community

Real Savings, Real Stories

Excellent
UFinancial
Based on 626 reviews
Christopher Hudson
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
Jessica Mateljan
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
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
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 🙂
Steve Bennett
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.
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