Ultimate Finance Group - UFG

18/09/2025

📣 Today is Alannah & Madeline Day!

Every donation made today will be DOUBLED up to $150,000, helping the Alannah & Madeline Foundation reach its goal of $350,000 to provide 6,363 Buddy Bags to children escaping violence.

Each year, around 11,000 children are taken into emergency care, many arriving with nothing but the clothes they are wearing.

With your help, a Buddy Bag packed with essentials can be waiting for a child when they need it most. This includes toiletries, pyjamas, and a soft teddy bear to help them feel safe and loved.

👉 Donate now and double your impact: http://bit.ly/45KChfn

Alannah & Madeline Foundation

For over 25 years, the Alannah & Madeline Foundation has supported children who've experienced violence to heal, recover and thrive. Your donation will help provide care, counselling and practical support to children living with trauma. Together we can help children and young people thrive.

06/09/2025

✨ Happy Father’s Day! ✨

Today we celebrate all the dads, grandads, and father figures who build love, laughter, and strength into every family. 🏡❤️

At UFG, we know family is at the heart of everything — and we’re grateful for the dads who make life a little brighter with their care, support, and (of course) legendary dad jokes. 😉

Here’s to you, Dads! Enjoy your special day, your families, and maybe a well-earned nap on the couch! 💙

04/09/2025

The team at Ultimate Finance Group are proud to support Alannah & Madeline Day on Thursday 18 September.

The Alannah & Madeline Foundation does incredible work protecting children, helping them to heal & recover. 💜

Every donation on the day will be doubled up to $150,000, helping the Alannah & Madeline Foundation reach its goal of $350,000 to provide 6,363 Buddy Bags to children in crisis.

Each year, around 11,000 children enter emergency care after escaping violence.

A Buddy Bag provides essentials and a sense of security when they need it most.

If you’d like to help make a difference, even a small donation can go a long way in supporting children who need it most.

👉 Donate here: http://bit.ly/45KChfn

For over 25 years, the Alannah & Madeline Foundation has supported children who've experienced violence to heal, recover and thrive. Your donation will help provide care, counselling and practical support to children living with trauma. Together we can help children and young people thrive.

30/06/2025

👋 Friendly Reminder for our friends that are Self-Employed Business Owners: Important ATO Changes from 1 July

Starting tomorrow, 1st July, two key things are changing that could affect your business finances:

💰 GIC (General Interest Charge) Rate Has Increased

This is the interest the ATO charges on unpaid tax debts. From July 1, it’s gone up to 11.38% per year — which means the cost of carrying overdue tax debt is getting higher.

⚠️ ATO Now Reporting Large Tax Debts to Credit Bureaus.

If your business owes $100,000 or more in tax debt that’s been overdue for more than 90 days, and you haven’t worked out a payment plan with the ATO, your debt may be reported to credit reporting agencies.

This could impact your business credit file and make it harder to get loans or refinance — especially important if you’re self-employed and rely on borrowing to keep things moving.

✅ What You Can Do Now:

✔️ Make sure your tax returns and BAS lodgements are up to date
✔️ Set up a payment plan with the ATO if you can’t pay off your debt right away
✔️ Chat with your accountant and finance broker, (that's us👋) to understand your options

🤔 Need help navigating this?

🧑‍💻DM us “ATO Review” to book a quick, no-pressure chat with us at Ultimate Finance Group.
📲 Call us for a no-obligation review - 1300 307 993
📧 Email us: [email protected]

Let’s help you get your finances in shape for the year ahead!

🔗 For the full ATO info, check here:
[ATO – Credit Reporting of Business Tax Debts](https://www.ato.gov.au/Business/Business-activity-statements-%28BAS%29/Paying-and-reporting-your-tax-debts/Credit-reporting-of-business-tax-debts/)

24/06/2025

💬 EOFY Countdown – Time to Take Control Before July 1st

If you’re self-employed or juggling the day-to-day with a mortgage in the background, it’s easy to put this stuff off. But with June 30 just days away, here’s your gentle nudge:

📌 Got ATO debt hanging over your head?
📌 Not sure if your rate is still sharp?
📌 Feeling like your home loan just doesn’t fit anymore?

Now’s the time to sort it—before new lending and tax changes hit on July 1.

✅ Adjust your home loan to better fit your current needs
✅ Bundle ATO debt into your loan to ease the pressure
✅ Step into the new financial year with your finances in order

We’re offering a quick, obligation-free home loan review that could help you start the new financial year stronger and with more clarity.

📆 Act now—EOFY is just around the corner.

👉 Send us a message with “REVIEW” or email [email protected]

11/06/2025

🔥 Trending Mortgage Topics (June 2025):

- “Should I fix or stay variable?”
- “Can I refinance if I’ve had late payments?”
- “Is it still a good time to buy?”
- “Can I use my home equity to consolidate debt?”
- “How much longer will rates stay high?”

These are the real questions we’re hearing from people, possibly just like you — running households, raising kids, or just trying to stay ahead of rising costs.

✅ The truth? The right answer depends on your unique situation.
✨ The good news? You don’t need to figure it out alone.

🏠 Whether you’ve had your loan for 2 years or 10, there’s a good chance your current lender isn't offering you their best deal anymore.

💡 A quick loan review could save you hundreds each month — or open doors to financial breathing space you didn’t know you had. **Quick Review in the Comments.**

📩 QUESTIONS??
DM us “Review” and we’ll walk you through your options — obligation-free.

No pressure. Just straight answers from a team who gets it. 💛

04/06/2025

📈 New Financial Year, New Property Goals? Let’s Make It Happen!!! 🏠

We’re heading into the new financial year with some BIG shifts:

✅ Interest rates easing
✅ Servicing loans getting easier
✅ Property prices on the rise again
✅ Tax time benefits to explore 💰

If you’ve been sitting on the fence about upgrading, investing, or finally buying your first home, now’s the time to run the numbers and make a move with confidence.

We’re already helping clients:
🔹 Refinance into better rates
🔹 Unlock equity to invest or renovate
🔹 Get pre-approvals sorted ahead of spring
🔹 Make smart EOFY moves with their accountant

💬 Book a chat or DM us and we’ll help you map out your options — no pressure, just solid advice tailored to where you’re at.

🎯 Let’s make FY25 the year you hit those money & property goals!

30/05/2025

🚨 SELF-EMPLOYED OR RUN A BUSINESS? ATO DEBT RULES ARE CHANGING FROM JULY 1st!

If you're a sole trader, contractor, or business owner in Australia — please read ‼️
The ATO is making big changes that could affect your credit score, borrowing power, and tax deductions.

Here’s what you need to know 👇

🔸 From 1 July 2025:

The ATO can report your business tax debt to credit reporting agencies if:
✔️ You have an ABN
✔️ You owe over $100,000 in tax debt
✔️ The debt is 90+ days overdue
✔️ You haven’t entered into a payment plan

🧾 That debt could now show up on your credit file - potentially damaging your ability to:

* Get a home or investment loan
* Refinance existing lending
* Access business finance

💸 Plus — no more tax deduction on ATO interest

Another kicker: interest charged by the ATO on unpaid tax debt is no longer tax-deductible for individuals and businesses.

That means if you’re carrying ATO debt, not only is it hurting your cash flow, it could also cost you more at tax time. 😬

✅ What should you do?

1. Speak to your accountant, to review your ATO position.
2. Talk to your mortgage broker, (👋 that’s us!) to understand how this could affect your ability to borrow.

📲 Message us or email [email protected]

Let's work together to protect your credit and your future 💼🏡

20/05/2025

📉 RBA Cuts Rates Again - YES!!! Did you call it?

But Is Your Home Loan Still Competitive?

The Reserve Bank of Australia (RBA) has just reduced the official cash rate by 0.25%, bringing it down to 3.85% .
In response, major lenders like NAB, Commonwealth Bank, ANZ, and Westpac have announced they will pass on the full rate cut to borrowers.

However, these changes aren't immediate. Historically, banks have taken anywhere from a few days to several weeks to implement rate adjustments.

🤔 What This Means for You:

1. If you're on a variable rate, you might see a reduction in your repayments soon.
2. If you're on a fixed rate, this could be an opportune time to review your loan terms.
3. With the RBA signaling potential further cuts later this year , now is a strategic moment to assess your mortgage options and financial goals.

🏠🧑‍💻 WHY REVIEW YOUR HOME LOAN NOW??
Even a 0.25% reduction can lead to significant savings over the life of your loan. Ensuring your mortgage aligns with the current market rates can help you maximize these benefits.

How We Can Help 🙌
At UFG, we can compare offerings from over 80 lenders to find a loan that best suits your current circumstances. Our goal is to help you make informed decisions and potentially save on your mortgage repayments.

📞 **Book a Free Home Loan Review Today**:
DM us or
Click here to get in touch https://www.ufg.com.au/contact/

19/05/2025

🏦 RBA Decision Incoming!
What do you think the Reserve Bank will do with interest rates tomorrow?

😞 Keep rates the same
❤️ Cut rates
👎 Raise rates (again 😩)

We’ll post the result after the announcement — and what it means for your mortgage.

📲 Curious how a rate move could impact your repayments? Let’s chat 👉 DM us or click link to contact us for an appt https://www.ufg.com.au/contact/

16/05/2025

🏡 Fixed Rate Ending? It Might Be Time to Review Your Home Loan.

There are still thousands of Aussies rolling off ultra-low fixed rates — and landing in repayments shock.

📉 If you’re in Victoria and your home loan just jumped from **1.99% to over 6.49%**, you’re not alone. And you do have options.

📊 According to News.com.au:

- Over $19 billion in fixed-rate loans are expiring in 2025
- Refinancing is up **6.5% year-on-year**, as more households search for relief.
- Lenders are offering competitive rates — but you won’t get them unless you act and seek a review.

_______________________________________________

🔍 One Quick Example (General Info Only):

On a $600,000 loan over 30 years, jumping from 1.99% to 6.49% could mean over $1,100 more per month in repayments.

If you're eligible for a refinance at 5.89%, that’s a potential saving of $210 per month — or $2,520 per year💰

**This is for illustration purposes only and doesn’t include fees or personal circumstances. Results will vary.*

_____________________________________________________

At Ultimate Finance Group, our team will help you:

✅ Compare from over 50 lenders
✅ Understand whether re-fixing or refinancing could suit your current goals
✅ Get tailored, obligation-free support

🧑‍💻Let's review your home loan – no pressure, just clear advice.

📞 1300 307 993
📧 [email protected]
🌐 https://www.ufg.com.au/contact/

---

**Disclaimer:
This post contains general information only and does not take into account your personal objectives, financial situation or needs. A full assessment is required before any credit product can be recommended.

🔗 Source:
[News.com.au – Mortgage pain set to remain until 2026]

12/05/2025

💐💐💐 To the mums, stepmums, grandmums, mums-in-waiting, and those missing their mums — yesterday was for you. 💛

We know Mother’s Day can bring joy, mess, memories, and sometimes heartache. No matter what yesterday looked like, we just want to say: we see you 💕

Whether you're juggling little ones, remembering someone special, or hoping for your own journey ahead — you're doing beautifully. 👌

From all of us at Ultimate Finance Group, thanks for being superheroes (with unmatched multitasking skills). 💪💕