UniFi Capital Mortgages

09/10/2025

Whatever your finance needs are, UniFi Capital will work with you to make a plan and help achieve your goals.

Contact us now!

29/04/2025

Big plans deserve smart finance.
Whether it's your first home, your next investment, or a new commercial venture — let's tailor the right loan for you.
📈🏡 Ready when you are.

13/05/2024

Money mindset refers to your beliefs and attitudes about money, wealth, and success.

Like it or not, these beliefs and attitudes can have a profound impact on your life choices and actions.

For example, if you have a positive money mindset you'll probably be more likely to take risks and invest in your own personal and professional growth, while a negative money mindset would probably make you more hesitant and fearful of making financial decisions.

Ultimately, our money mindset can be a powerful tool in shaping our lives and helping us to achieve our goals and dreams.

Take this as your cue to reflect on your own money mindset. Is it serving your interests, or does it need a bit of work?

09/05/2024

Buy Now, Pay Later (BNPL) seems like a slippery slope to living pay check to pay check.

If you struggle with cash flow, chances are a good budgeting tool will be more useful to you than relying on BNPL services.

What do you think, is it time to give up BNPL?

08/05/2024

Do you plan to enter the property market or build your portfolio? Buying real estate is a big financial decision, and a key factor will be your home loan.

To help you on your journey, here are four things you need to know about home loans:

1. Pre-approvals can be powerful:
But they're not all created equal.

2. Give yourself time to maximise your options:
Lenders will take anywhere from days to weeks to approve your loan.

3. Banks have tightened up their lending criteria:
You may be able to borrow around six times your annual income.

4. You don’t have to be a customer for life:
As a borrower, you're not locked into the one lender for the life of the loan and have freedom to switch to a better deal.

07/05/2024

05/05/2024

1.1%. This is the current rental vacancy rate (as per research from PropTrack Market Insight Report).

And why this number is so significant is that it's the lowest it's been since 2018.

A small number suggesting a big reason to:
A) Buy your own home, and/or:
B) Build your investment property portfolio

If you have plans to climb the property ladder in 2024, get in touch to find out your next steps.

02/05/2024

Do you need a 20% deposit?

Short answer is: No. There are many other options available to you.

Having a 20% deposit for you home loan will, however, usually mean you won't incur Lenders Mortgage Insurance (LMI).

If you don't have a 20% deposit, you could look at:
- Taking out LMI
- Securing a waiver via your profession
- Using a guarantor

Get in touch to get home loan ready!

29/04/2024

Breaking into the property market is no small thing. To qualify for a loan, you usually need a decent-sized deposit, which can be hard to save up for when you're paying rent.

Using a guarantor may make sense for you if:
- You don't have a 20% deposit, and you want to avoid paying that extra insurance (LMI), and
- You have a close family member who's willing to put their own property up as security.

A guarantor can give you the boost up the property ladder you need. And the good news is that once you've built up enough equity in the property, your guarantor can be released from their commitment.

Get in touch if you'd like to understand the ins and outs of how it works, and for tips on how to broach this subject with your potential guarantor.

28/04/2024

So, you’ve been saving hard for that deposit and now the reality of home ownership is on the horizon.

We don’t want to overwhelm you, but there are hundreds of home loan options. Where do you start?

The easy way is to get help from a broker. We're paid by the lender, which costs you no extra, compared to if you were to go directly to a bank.

Let us know if you want a hand navigating the home loan process!

27/04/2024

If you're budget-curious, but prefer to take a looser, more intuitive approach, the 50/30/20 budgeting rule may work for you.

50/30/20 means your funds would be divided like so:
- 50% on needs – rent/home loan, utilities, groceries
- 30% on wants – fashion, dining out, travel
- 20% on savings – putting money aside or paying down debt

What do you think? Is this a style of budgeting you could get behind?