UFinancial

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UFinancial UFinancial is one of Australia's leading, privately-owned financial services and property advisory firms. [email protected]
Fax - 03 8679 0576
(1)

We help people navigate the complex, highly competitive financial landscape with a diversified, full-service model. Book a free chat:
www.ufinancial.com.au

Servicing Melbourne and Regional Victoria
Melbourne Office - 03 9686 9087

MELBOURNE / ECHUCA / OCEAN GROVE / TORQUAY / BALLARAT / BENDIGO / GEELONG

1800 UF LOAN

Questions?

Could energy efficiency be adding more value to your home than you realise? 🏡New Australian research suggests features l...
13/10/2026

Could energy efficiency be adding more value to your home than you realise? 🏡

New Australian research suggests features like solar panels, insulation and energy-efficient design could be influencing property prices, as buyers pay closer attention to the ongoing costs of owning a home.

But does investing in these upgrades before selling actually pay off?

We break down the latest findings and what they could mean for homeowners.

🔗 Read the full article here: https://ufinancial.com.au/energy-efficiency-is-a-property-selling-point-heres-why-homeowners-should-pay-attention/

A great result for a first-home buyer ❤️
09/10/2026

A great result for a first-home buyer ❤️

Celebrating the amazing people who continue to grow with us, year after year, and the milestones they marked this Septem...
06/10/2026

Celebrating the amazing people who continue to grow with us, year after year, and the milestones they marked this September.

Meet Jack Dariol, one of our Accountants at UFinancial 👋There’s a lot more to Jack than spreadsheets and numbers... Outs...
05/10/2026

Meet Jack Dariol, one of our Accountants at UFinancial 👋

There’s a lot more to Jack than spreadsheets and numbers... Outside of work, music is a huge part of his life. He loves to discover new music and spent much of his 20s playing gigs.

When he does get the chance to unwind, you’ll usually find him out for a long run, in the gym, or making sure the fridge is stocked with one very specific staple... 🥕

Buy now, pay later can feel like a small decision at the checkout, but splitting a purchase into instalments doesn’t mak...
29/09/2026

Buy now, pay later can feel like a small decision at the checkout, but splitting a purchase into instalments doesn’t make it any cheaper.

A $400 purchase can suddenly feel much more manageable when it becomes four payments of $100. But those smaller repayments can still add up quickly, especially when you have several purchases running at once.

BNPL is still a form of credit, and your BNPL activity may form part of the broader picture when you apply for finance in the future, including a home loan.

That doesn’t mean BNPL is always a bad idea. If the purchase is planned, the money is already available and the repayments fit comfortably within your budget, it can simply be another way to pay.

The key is looking beyond the first instalment and asking:
Would I still buy this if I had to pay the full price today?

In our latest article, we break down how BNPL works, when it can be useful, the risks of stacking multiple repayments and what it could mean for a future home loan application.

Swipe through for some key points or check out full article here: https://bit.ly/4hyFeo2

29/09/2026

The RBA has just handed down its September decision, raising the cash rate to 4.60%. Here's what some of our brokers have to say on the topic.

Helping our clients move forward with confidence! ❤️
24/09/2026

Helping our clients move forward with confidence! ❤️

In the St. Kilda office we held out monthly morning tea to celebrate our September birthdays and welcome our newest team...
22/09/2026

In the St. Kilda office we held out monthly morning tea to celebrate our September birthdays and welcome our newest team member, Rob Gibson who has joined UFinancial as a Financial Planner. 🎉

Welcome to the team, Rob and happy birthday to everyone celebrating this month!

Same property. Same sale price. Different tax outcome.From 1 July 2027, the rules around capital gains tax on investment...
21/09/2026

Same property. Same sale price. Different tax outcome.

From 1 July 2027, the rules around capital gains tax on investment property are changing — and what your property is worth around 30 June 2027 could matter more than most people realise.

We asked Nathan Romeo, our Director of Accounting & Tax Advisory, to walk through the misconceptions, the risks and the opportunities property investors should understand before the change takes effect.

Swipe through for the key points, or read the full article here - https://ufinancial.com.au/cgt-reforms-property-values-july-2027/

Meet Mars Hana, one of our Finance Brokers based in our St Kilda office 👋Family is a big part of life for Mars, whether ...
18/09/2026

Meet Mars Hana, one of our Finance Brokers based in our St Kilda office 👋

Family is a big part of life for Mars, whether he’s heading away camping for the weekend, spending time with his son or cooking up a Middle Eastern BBQ for family and friends.

When he does get a little downtime, you’ll usually find him rewatching Lost or tuning into the Joe Rogan podcast.

Address

Level 4, 580 St Kilda Road
St Kilda, VIC
3004

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61396869087

Website

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