Uselect Finance

09/10/2026

Self-employed and the bank wants two years of tax returns you don't have?

Fast Alpha looks at your business differently.
✅ Company financial statements only, no tax returns needed
✅ No notice of assessment required
✅ Formal approval within 48 hours once your application is complete

Ask your broker to run it with Uselect Finance, or message us through the chat on uselectfinance.com.

Uselect Finance Pty Ltd, Australian Credit Licence 510876. Lending criteria apply.

Following the RBA’s May 2026 cash rate increase of 0.25%, Uselect Finance confirms that this adjustment will be applied across our full product range, in line with market movements.

08/10/2026

New investment lending dropped 10.2 percent in the June quarter, after several major banks stopped counting rental income and negative gearing the way they used to.

If your numbers don't add up with the bank anymore, that doesn't mean your deal is dead.
✅ Rental income and negative gearing counted in full
✅ Rental income accepted even on high-density units
✅ Cash-out options available

Ask your broker to run it with Uselect Finance, or message us through the chat on uselectfinance.com.

Uselect Finance Pty Ltd, Australian Credit Licence 510876. Lending criteria apply.

Following the RBA’s May 2026 cash rate increase of 0.25%, Uselect Finance confirms that this adjustment will be applied across our full product range, in line with market movements.

02/10/2026

Self-employed and the bank wants two years of tax returns you have not lodged yet.

We get it. Business owners do not always have clean paperwork, that does not mean you cannot buy or refinance.

✅ company financial statements only, no tax returns needed
✅ no notice of assessment required
✅ formal approval in 48 hours once your application is complete

Ask your broker to run it with Uselect Finance, or message us through the chat on uselectfinance.com.

Uselect Finance Pty Ltd, Australian Credit Licence 510876. Lending criteria apply.

Following the RBA’s May 2026 cash rate increase of 0.25%, Uselect Finance confirms that this adjustment will be applied across our full product range, in line with market movements.

01/10/2026

Trying to buy an investment property and the bank keeps saying your borrowing power is not enough.

Since May 2026 several major banks stopped counting negative gearing when they work out how much you can borrow. That is squeezing a lot of investors right now, and new investor lending dropped 10.2 per cent in the June quarter.

We look at it differently:
✅ negative gearing counted in full
✅ rental income counted at 90 per cent, including apartments
✅ real living costs used, not inflated bank estimates

Ask your broker to run it with Uselect Finance, or message us through the chat on uselectfinance.com.

Uselect Finance Pty Ltd, Australian Credit Licence 510876. Lending criteria apply.

Following the RBA’s May 2026 cash rate increase of 0.25%, Uselect Finance confirms that this adjustment will be applied across our full product range, in line with market movements.

30/09/2026

The Reserve Bank raised interest rates again today, up 25 basis points to 4.60 per cent, the highest level in 15 years. On an average $600,000 home loan, that is about $100 more a month.

If your bank said no or your repayments just went up, you have options beyond the big four.

Uselect Finance Pty Ltd is a non-bank financial institution. We look at rental income, self-employed income and investment expenses differently to the banks.

Ask your broker to run it with Uselect Finance, or message us through the chat on uselectfinance.com.

Uselect Finance Pty Ltd, Australian Credit Licence 510876. Lending criteria apply.

Following the RBA’s May 2026 cash rate increase of 0.25%, Uselect Finance confirms that this adjustment will be applied across our full product range, in line with market movements.

30/06/2026

🔥 Investor Deal Stuck? UF Has 3 July Promo Pathways

Got investor applicants in your pipeline?

This July, Uselect Finance is giving brokers more ways to place suitable investor, refinance and policy-sensitive scenarios — with different product pathways designed to fit different applicant needs.

⚡ Prime Alpha ≤ $2m
Investor P&I rate same as owner occupied — from 6.74% p.a.
Up to 80% LVR, loan size > $500k, no LMI.

Top 3 niches:
✅ Investor rate same as OO — strong pricing angle for investor purchase or refinance
✅ High Density up to 80% LVR + land size up to 10Ha — more options for tricky securities
✅ Unlimited cash out + no postcode restrictions — useful for suitable refinance and equity release scenarios

📌 Prime Delta ≤ $1.1m
Investor 70% P&I promo from 7.04% p.a.

Top 3 niches:
✅ Strong borrowing capacity — when servicing is the key blocker
✅ Cash out flexibility — support for acceptable equity release scenarios
✅ Investor gearing treatment — may help suitable investor servicing outcomes

🚀 Fast Alpha Standard ≤ $2m
PAYG only, 80% LVR promo:

✅ OO loan < $1m from 6.72% p.a.
✅ INV loan ≤ $1m from 7.02% p.a.
📅 Promo period: 01/07/2026 – 31/07/2026

Top 3 niches:
✅ Only two payslips required — simple PAYG documents for eligible scenarios
✅ No postcode restriction + no DTI restriction — more flexibility where standard policy creates friction
✅ AVM accepted where eligible, or choose your own valuer — valuation flexibility for faster scenario progress

Got an investor, refinance, cash out, high-density, no postcode, no DTI or servicing-sensitive deal?

Don’t park it too early.

👉 Send the scenario to Uselect Finance today and let’s workshop the right pathway.

Contact Uselect Finance BDM Team at [[email protected]]



Rates are subject to current rate card, product eligibility and credit assessment. Terms, conditions, fees, charges and lending criteria apply. Scenarios are subject to credit assessment.

19/06/2026

🔥 Investor Borrowing Power Under Pressure?

As market settings shift and investor servicing becomes more challenging, some brokers may start seeing a familiar problem:

Strong investor applicants, but reduced borrowing capacity under standard lender calculators.

Before you park the deal, send the scenario to Uselect Finance.

⚡ Delta may give brokers another pathway where borrowing capacity is the key blocker.

What brokers may be seeing:

✅ Investor servicing becoming tighter
✅ Borrowing capacity reduced with some lenders
✅ Strong applicants stuck due to policy fit
✅ Investor refinance or purchase scenarios needing a second look

How Delta may help:

✅ Strong servicing focus for suitable investor scenarios
✅ 90% rental income accepted where eligible
✅ 100% rental and gearing applied for common debt where applicable
✅ Practical support when servicing is the key challenge

📌 Indicative Delta calculator example:

A single applicant earning $150,000 p.a. purchasing an investment property may show borrowing capacity up to $1.75m, depending on the full scenario.

Got an investor scenario affected by servicing?

Don’t let a good applicant fall through the cracks.

👉 Send it to Uselect Finance today and let’s workshop the numbers.

Contact Uselect Finance BDM Team at [[email protected]](mailto:[email protected])



Subject to credit assessment, eligibility criteria and lender approval.

09/06/2026

🔥 Broker Reminder: Got a Deal Stuck on Policy?

Not every strong client fits mainstream lender policy.

If your deal is being held back by servicing, income type, cash out, borrower structure or security type — USelect Finance may help you find a practical pathway.

🏡 Prime Delta Highlights for Brokers:

✅ Up to 85% LVR with No LMI
Help eligible owner-occupier and investor clients access higher leverage without the extra LMI cost.

✅ 100% overtime, bonus, commission & casual income accepted
A strong option for PAYG clients whose full income is not being recognised by standard lenders.

✅ 90% rental income accepted
Useful for investor clients where servicing is tight.

✅ No funds control for acceptable cash out
More flexibility for suitable refinance scenarios.

✅ Company, trust & individual borrowers accepted
Support more investor and structured borrowing deals.

📌 Suitable scenarios:

💼 PAYG clients with complex income
🏢 Investor clients needing stronger rental income treatment
🔄 Refinance with acceptable cash out
🏠 High-density apartment or vacant land security
📑 Company or trust borrower structure

Got a policy-sensitive deal sitting in your pipeline?

👉 Send your scenario to UF today and let’s workshop the deal.

🌐 Visit: uselectfinance.com
📞 Call: 03-6146 3477



Terms, conditions, fees, charges and lending criteria apply. Scenarios are subject to credit assessment.

15/12/2025

**💥🔥 Broker Exclusive: $660 Rebate + $0 Application Fee! 🔥💥**
📢 Make your next move with USelect Finance's Delta Offers – Limited Time Only!

🏡 Whether your clients are Owner Occupiers or Investors – we’ve got the 🔑 KEY OFFER to help you unlock more approvals and WIN more deals!

💸 LOWER UPFRONT COSTS = HAPPIER CLIENTS + FASTER YES ✅

👇 Delta Highlights Just for You:

📉 Market-Leading Rates:
✅ Owner Occupied: From 6.09% (LVR ≤ 80%)
✅ Investment: From 6.09% (LVR ≤ 60%)

🎁 What You Get:
💰 $660 Rebate* on eligible loans
🏠 Covers most valuations up to ~$1.8M*
🆓 NIL Application Fee (yes, $0!)

📆 Promo Window:
🗓️ Submit: From 01 November 2025
🚛 Settle: By 31 December 2025
💳 Rebate Paid: Within 60 days of settlement
💼 Minimum Loan Size: $350,000

🥇 Why Brokers ❤️ Delta:
✔️ No upfront application fees
✔️ Competitive servicing for complex clients
✔️ More YES approvals = More client wins!

Ready to grow your pipeline and your commission?

👉 Let’s talk today! uselectfinance.com | 📞 03-6146 3477



🔎 Disclaimer: Terms, credit criteria, and conditions apply. “Normal Valuation Process” applies; rebate covers standard valuations only. Offers may change without notice. Loans up to ~$1.8m indicative only. New applications only during promo period. Always check latest product disclosures.

✨Visit us: uselectfinance.com
📞 Call us today: 03-6146 3477

When it comes to finding a mortgage, the possibilities are endless. However, being overwhelmed by choice doesn’t mean you should take whatever is offered to you first. Contact us for information about different types of mortgage loans and we will be happy to explain them and help you find one that...

13/12/2025

💥💥 **Mortgage Brokers: Unlock Niche Lending Made Easy with USelect Finance!** 💥💥

Looking for solutions that truly make a difference for your clients? 🧩 Discover how USelect Finance stands out with game-changing products tailored for today’s borrowers!

✅ **85% LVR - NO LMI, NO WORRIES**
Help clients save thousands on LMI – even at 85% LVR! Perfect for buyers with lower deposits. 💸🏠

✅ **NO Postcode or High-Density Restrictions**
Yes, we go where others don’t. From metro towers to suburbia—green light your deals anywhere across Australia! 🗺️🌆

✅ **Airbnb, Uber & Private Rental Income = Welcome**
Dealing with gig economy or short-term income? We get it—and we accept it. 🤝🚗🏡

✅ **No DTI Caps + Cash-Out Based on Security, NOT Purpose**
Unleash flexible funding with less red tape. Whether it's investing, renovating, or consolidating—we’ve got you. 💼💰🔓

🎯 Partner with USelect Finance – streamline approvals, maximize borrowing power, and get more deals done! Your clients deserve niche solutions, and you deserve a lender that delivers!



📞 Let's talk! Visit: www.uselectfinance.com or Call 03-6146 3477

🔒 Disclaimer: Lending criteria, terms, and conditions apply. All applications are subject to assessment and approval. USelect Finance is not providing financial advice.

When it comes to finding a mortgage, the possibilities are endless. However, being overwhelmed by choice doesn’t mean you should take whatever is offered to you first. Contact us for information about different types of mortgage loans and we will be happy to explain them and help you find one that...