Nelson Financial

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/

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

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/

17/09/2026

Good money habits can start with a conversation.

For about five years, UFinancial mortgage broker and Torquay director Paul Nelson has been visiting Year 11 and Year 12 students at Surf Coast Secondary College to talk through the financial topics they are beginning to encounter in everyday life, including budgeting, savings accounts, credit, tax, payslips and super.

It is a subject that matters outside the classroom too. Ecstra Foundation research found 80% of students say they learn about money at home, yet only 37% report having frequent money conversations there.

Paul’s view is simple: the more comfortable families become talking about money, the better equipped young people can be to ask questions and make informed decisions.

And there is no age limit on that lesson.

Our latest article looks at Paul’s contribution to the Surf Coast community and some practical principles Australians can use to better understand their own money.

Read more here - https://ufinancial.com.au/what-a-surf-coast-classroom-can-teach-all-of-us-about-money/

14/09/2026

A huge result for UFinancial at the VIC AFG Broker Awards 🏆

We’re incredibly proud to have been named Broker Group of the Year – VIC, alongside two standout individual wins for Daniel Mills, Broker of the Year, and Daniel Walsh, Regional Broker of the Year.

Three fantastic achievements that reflect the hard work, consistency and care our team brings every day.

A massive congratulations to Daniel, Daniel and everyone across UFinancial who contributed to the win, as well as all of this year’s finalists and winners.

A big thank you to AFG for another great event!

08/09/2026

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

03/09/2026

We spend money protecting our homes, cars, income and businesses because reducing financial risk is part of sensible planning. But when it comes to our health, many of us still wait until something goes wrong before taking a closer look.

At the UFinancial Annual Conference, Leigh Deledio, Director of Growth & Development at UFinancial, shared his experience completing Everlab’s comprehensive preventative health assessment, which looks at more than 100 health markers.

What stood out wasn’t simply the amount of data. It was the value of having a clearer baseline, understanding where potential risk factors may sit and having a doctor help translate the results into something meaningful.

It raised an interesting question: if we’re prepared to invest in protecting our financial future, should we be applying some of that same proactive thinking to our health?

Our latest article explores the connection between preventative health, financial protection and why better information can help us make more informed decisions about the future.

A big thank you to Dr Jared Mathai and Kyle Reynolds from Everlab for sharing their insights at our conference, and to Leigh for openly sharing his personal experience.

Read the full article: https://bit.ly/4ycuXEB

31/08/2026

A $3,000 cashback looks tempting — but what happens if your new lender lifts your rate outside the RBA cycle?

Cashback is one-off. Your interest rate is ongoing.

In our latest article, we unpack why chasing refinance cashback can become a false economy, what frequent refinancing can do to your credit profile, and why sometimes the better move is asking your current lender to sharpen your rate instead.

For UFinancial mortgage clients, regular home loan reviews and repricing are already part of what we do — no cashback required.

Read the article to see why the best refinance deal isn't always the one with the biggest upfront offer.

https://bit.ly/4wTXKwD

27/08/2026

Housing is shaping up as a major issue in Victoria’s 2026 state election, and the differences between the parties go well beyond how many homes should be built.

Labor, the Liberal–National Coalition and the Greens have different positions on first-home buyer stamp duty, rent regulation, property taxes, planning and public housing.

We’ve broken down the major housing policies, including what they could mean for the decisions Victorians are making now. Read the full article: https://bit.ly/46lZHHo

26/08/2026

Educating our next generation

uFinancial director Paul Nelson delivers practical financial literacy sessions to Surf Coast Secondary College students, teaching budgeting, saving, and money management skills.