Uloans Finance

When was your business founded?

Uloans Finance was founded in 2025 by Dhiraj Bharwad with a clear purpose to bring honesty, clarity, and genuine results to the home loan process. While the business is young, Dhiraj brings hands-on broking experience and a strong commitment to building long-term relationships with every client.

What is your level of experience in this line of work?

Our team brings combined experience of over 30 years in the Australian mortgage and finance industry. We have settled millions in home loans for clients across Victoria, covering first home buyers, refinancers, investors, construction, and self-employed scenarios. We also work alongside senior industry mentors, ensuring our advice is always backed by current market knowledge and best practice.

What certifications, qualifications or awards has your business received?

Uloans Finance is a fully accredited mortgage brokerage operating under an Australian Credit Licence, with all required industry compliance training, ongoing professional development, and adherence to the latest lending policies, regulations, and best interests duty obligations. Our commitment to professional standards ensures every client engagement is held to the highest level of integrity and care.

What is your fee structure like? Fixed fees? Hourly rates?

Our service is free to clients in most cases. Mortgage brokers are paid by the lender once your loan settles, meaning you receive expert guidance, lender comparisons, and end-to-end support at no upfront cost. Where additional services apply, all fees are disclosed upfront in writing no surprises, ever.

Are you a member of any professional / industry associations?

Yes. Uloans Finance is a member of AFCA (Australian Financial Complaints Authority) and operates under full ASIC compliance through an Australian Credit Licence. Membership in these bodies ensures we are held to the highest professional, ethical, and consumer protection standards in the industry. We are also part of FBAA.

What is your favourite thing about your job?

The moment a client gets their loan approved especially when they've been told "no" elsewhere. Helping a first home buyer step into their first property, or a family refinance to ease financial pressure, never gets old. We see people at one of the most stressful and exciting moments of their lives, and being able to make that journey smoother is genuinely rewarding.

What are your payment terms and conditions? Do you offer payment plans? Afterpay? Interest-free terms?

Three things. First, access to 60+ lenders means we can find solutions where bigger brands can't. Second, we genuinely listen every strategy is built around your goals, not a sales target. Third, we don't disappear after settlement. Whether it's a fixed rate review, top-up, or refinance years later, our clients know we're still in their corner.

What makes you unique compared to your competitors?

Three things. First, access to 60+ lenders means we can find solutions where bigger brands can't. Second, we genuinely listen every strategy is built around your goals, not a sales target. Third, we don't disappear after settlement. Whether it's a fixed rate review, top-up, or refinance years later, our clients know we're still in their corner.

How quickly can work be completed? What are your turnaround times? Do you offer same-day service?

Pre-approvals are typically returned within 23 business days, depending on the lender. Full approvals and settlements vary based on lender workload and supporting documentation, but most refinances complete within 34 weeks, and purchases align with your contract timelines. We pride ourselves on fast, clear communication throughout you'll always know where your application stands.

Do you have a favourite client story you'd like to share?

One that stays with us a client came to us after their bank had declined their refinance application. They were stressed, frustrated, and ready to give up. We took the time to understand their full situation, presented their case to a more flexible lender, and secured approval at a sharper rate within days. The savings on their monthly repayments meant they could finally breathe easier and focus on their family. Stories like this are why we do what we do when clients feel heard and walk away with a real result, it's the best part of the job.

Do you have any special offers? Do you offer any bulk or volume discounts?

Mortgage broker services are paid by lenders, not clients, so traditional discounts don't typically apply. However, we genuinely look after our existing clients with ongoing value complimentary annual loan reviews to ensure you're still on the best rate, fixed-rate expiry reminders, and refinance assessments at no cost. We also reward referrals when an existing client refers a friend or family member, both receive personalised attention and priority service. Long-term relationships matter to us more than one-off transactions.