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?

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?

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?

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?

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

Podcast dropping soon!

Beyond the Break Podcast- Leigh Deledio & Paul Nelson

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

Torquay Football Netball Club

Torquay Junior Football Club logo

Torquay Bowls Club logo

Surf Coast Basketball Association logo

Jan Juc Cricket Club logo

Real Savings, Real Stories

Excellent

UFinancial

Based on 489 reviews

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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.

Claire Maree O'Bryan

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!

Sydney Chivasa

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

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

Local Experts. Real Results.