Home Loans

We provide a wide range of home loan products offered by our panel of lenders. With each client that comes to us we evaluate their current situation and recommend a home loan product that best suits them.


To find out the best loan to suit your needs with the best rates and features, simply call us on (02) 9558 9666 Mon-Fri 9am-6pm.


Universal Finance offers Home Loan Products for the following:


Buying your first home

• Buying your first property is pretty daunting - after all, it's probably the biggest investment you'll make in your life.

• You may be eligible for the First Home Owner's Grant to assist you with the cost of buying or building your first home.

• This grant is a Commonwealth initiative administered and funded by the State or Territory designed to help first home buyers with the cost of buying or building a home in Australia. The grant is not means tested against income, however there are caps placed on the value of the home, which affects eligibility, all applicants must be first home buyers and different restrictions are imposed in each State and Territory.

• We compare the products and features to save you time and provide for your individual needs.

• Expert advice to help you through the experience.

• Complete with you the paper work required.

• Liaise with your solicitor.

• Support you through the process.

• Our service provided without a fee to you.

Refinancing your Home Loan

• Refinancing your home loan

• There are a number of reasons why you may wish to consider refinancing your home loan; maybe you want to access your home equity, to consolidate other debts, to get more flexibility and features or simply to get a better interest rate than your current loan.

• Consolidate all your debts into one easy to manage loan and one monthly repayment

• You could receive a lower interest rate

• Upgrade your home loan to a loan that better suits your current circumstance

• Borrow additional funds to renovate, to invest, or for a major purchase.

• We make the process easier and work with you and address the lenders requirements.

• We deal with the change of lenders and required discharge paperwork.

• We deal with a large panel of lenders to provide recommendation for your needs.

• No fee service by us to you.

For Property Investment

You’ll be surprised how much money you can save if you refinance with another lender. Our team has the knowledge and experience to save you time and money finding the right loan from many different banks and private lending institutions. We do all the paper work and get You the Best Rates & Best Terms. You don’t pay us a Cent, the Banks do! 

Self Employed Home Loans

• Working for yourself can sometimes mean you spend more time looking after customers and less time organising paperwork. So we’ve made it easier for the self-employed to apply for a home loan with a simplified application process with less paperwork… because we prefer looking after customers too!

• An easy application process makes it simple to access funds

• Borrow up to 80% of the purchase price

• Loans for owner-occupiers and investors

• We have a large network of lenders to address your needs

• Our consultants operate I both commercial and retail lending

For Senior Equity Finance

You’ll be surprised how much money you can save if you refinance with another lender. Our team has the knowledge and experience to save you time and money finding the right loan from many different banks and private lending institutions. We do all the paper work and get You the Best Rates & Best Terms. You don’t pay us a Cent, the Banks do!