UNO Home Loans

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UNO Home Loans Epic Service for the entire time you have a home loan from your dedicated UNO broker and our support

01/10/2026

If you're upgrading, a buyer's agent can help you find your next home before it hits the market.

A good buyer's agent does more than guide you through the process. They build relationships with real estate agents, and that often gives them access to off-market listings. These are properties that haven't been advertised yet.

If you're moving to suit a change in your life, like a growing family, a relocation or a shift in your personal situation, the right home might never make it online. A buyer's agent can put you in front of it first.

Get your finance lined up before you start looking, so you're ready to move when the right place comes up.

Now you know.

Book a call with a UNO broker → https://www.unohomeloans.com.au/brokers
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UNO Home Loans

29/09/2026

When you're upgrading, the state of the property market has a big say in how you should approach it.

In a hot market, listing your property and having it ready to sell is often the right move. It tells you exactly what you're working with before you commit to your next purchase.

In a slower market, it can make more sense to find the home you want and buy it first, using a bridging loan to give yourself time to sell. That breathing room means you can wait for a more favourable season, let the market recover, or do the work that lifts your property's value before it goes on sale.

Bridging loans have their own costs and lender criteria, so the structure matters.

Now you know.

Book a call with a UNO broker → https://www.unohomeloans.com.au/brokers
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UNO Home Loans

29/09/2026

Renovating is not always cheaper than selling and buying.

Most people assume a reno will cost less than moving. Sometimes it does. But in some homes, it makes more sense to sell and buy a place that already fits your needs, rather than trying to retrofit the one you have.

Building costs blow out. Timelines stretch. And you can end up spending more than the work adds to the value. Selling and buying has its own switching costs too, plus tax considerations on both sides.

The rule of thumb is simple. Run both scenarios side by side and see which one actually works for you, financially and logistically.

Now you know.

Book a call with a UNO broker → https://www.unohomeloans.com.au/brokers

Disclaimer: The content shared here is general information only, and should not be considered financial or tax advice. It does not take into account your personal objectives, financial situation, or specific needs. You should always seek independent advice from a licensed planner or tax advisor.

Quick refinance. Fast answers. Support every step. Jessica Southerwood! "Jessica and the Team helped us through a Refina...
28/09/2026

Quick refinance. Fast answers. Support every step. Jessica Southerwood!

"Jessica and the Team helped us through a Refinance. This process was extremely quick and efficient and Jessica and the team were amazing at getting back to us quickly answering any questions we had and helped us every step of the way. W huge thank you to Jessica and the Team for all of your support through this process!"

- Ben Thompson

See Jessica's reviews, her UNO profile and schedule a time with her at - https://www.unohomeloans.com.au/brokers/jessica-southerwood-mortgage-broker
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UNO Home Loans

28/09/2026

Investors buying off the plan or a new build still get negative gearing and a choice of capital gains tax regime.

Under the changes to negative gearing and capital gains tax, new builds are treated differently. Investors buying new may still negatively gear. They can generally choose whether the old or new capital gains tax rules apply to them.

If you're a first home buyer looking for a place to live, that matters. On new builds, you may be competing with investors who have an advantage you don't.

Established properties could be worth a closer look. Investors don't get the same benefits there, so the playing field is more even.

Now you know.

Book a call with a UNO broker → https://www.unohomeloans.com.au/brokers

Disclaimer: The content shared here is general information only, and should not be considered financial or tax advice. It does not take into account your personal objectives, financial situation, or specific needs. You should always seek independent advice from a licensed planner or tax advisor.
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UNO Home Loans

SMSF made simple. Supported start to finish. Jessica! "We had such a great experience with Jess and Uno Home Loans. The ...
27/09/2026

SMSF made simple. Supported start to finish. Jessica!

"We had such a great experience with Jess and Uno Home Loans. The whole process was made so much easier thanks to her professionalism, knowledge and genuine willingness to help.

Jess was always available to answer our questions, explained everything clearly and kept us informed throughout the process. She put together an extremely talented and customer focussed team to help us set up our SMSF and purchase our property. We felt really supported and confident that we were in good hands from start to finish.

I would definitely recommend Jess and Uno Home Loans to anyone looking for a mortgage broker. I couldn’t have found a better broker if I’d tried!"

- Nikki Penfold

See Jessica's reviews, her UNO profile and schedule a time with her at - https://www.unohomeloans.com.au/brokers/jessica-southerwood-mortgage-broker
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UNO Home Loans

24/09/2026

Many Australians who bought more than five years ago are sitting on considerable equity, even after the recent downturn.

The question is what to do with it. Reinvesting in the home you live in can build value, and that gain is generally free of capital gains tax. Others use their equity to buy another property or to help their children into the market.

Each option works differently within a broader financial strategy. And while you weigh them up, it pays to make sure your current loan isn't costing you more than it should.

Now you know.

Check how your loan scores with loanScore → https://loanscore.com.au/

Disclaimer: The content shared here is general information only, and should not be considered financial or tax advice. It does not take into account your personal objectives, financial situation, or specific needs. You should always seek independent advice from a licensed planner or tax advisor.
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UNO Home Loans

24/09/2026

New builds and off-the-plan properties retain the previous negative gearing and capital gains tax treatment.

For property investors, that's a meaningful distinction. The changes apply differently depending on what you buy. Established properties sit under the new settings. New builds and off-the-plan purchases keep the access investors had before.

That shifts the maths on where to invest next. It's worth modelling both paths before you commit, because the right answer depends on your income, your portfolio and your timeframe.

Now you know.

Book a call with a UNO broker → https://www.unohomeloans.com.au/brokers

Disclaimer: The content shared here is general information only, and should not be considered financial or tax advice. It does not take into account your personal objectives, financial situation, or specific needs. You should always seek independent advice from a licensed planner or tax advisor.
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UNO Home Loans

JUST SETTLED 🎉 Jessica Southerwood turned a messy mix of credit cards and personal loans into one simple mortgage repaym...
23/09/2026

JUST SETTLED 🎉 Jessica Southerwood turned a messy mix of credit cards and personal loans into one simple mortgage repayment, and put $2,485.89 back in her clients' pocket every month (that's almost $30k a year back in their hands 👀).

By dropping the rate from 6.54% to 6.04% and moving to a flexible variable P&I loan with offset, Jessica didn't just save her clients money, she gave them room to breathe and start saving again.

Submitted, approved and settled in just 4 weeks. That's the Epic Service difference.

Thinking about consolidating your debts into your home loan? Reach out to Jessica Southerwood today to see what's possible - https://www.unohomeloans.com.au/brokers/jessica-southerwood-mortgage-broker
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UNO Home Loans

23/09/2026

Keeping your current property as an investment when you upgrade doesn't always stack up.

If you buy a new home and move into it, you lose the capital gains tax exemption on the property you used to live in. That exemption only applies to your main residence, not an investment property, and the tax impact can make the old place a far less effective investment than it first appears.

Before deciding, get advice from a tax accountant or financial planner on your specific situation, then feed those numbers into the conversation with your broker to understand how it plays out for you.

Now you know.

Book a chat with a UNO broker: https://www.unohomeloans.com.au/brokers

Disclaimer: The content shared here is general information only, and should not be considered financial or tax advice. It does not take into account your personal objectives, financial situation, or specific needs. You should always seek independent advice from a licensed planner or tax advisor.
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UNO Home Loans

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L17, 123 Pitt Street
Sydney, NSW
2000

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