
About us
Committed to providing personalised service and expert insights, we are here to support you at every step of your journey.
Here to assist you in securing the right finance options
At UGrow Finance, we focus on delivering effective finance solutions that cater to your individual needs. Our experienced team is dedicated to guiding you through the complexities of finance, ensuring that each step is handled with expertise and care. We aim to create a seamless experience, allowing you to concentrate on your goals while we manage the intricacies of financing.
Our commitment extends beyond the initial process; we continually review your financial situation to ensure that your loans remain effective and aligned with your evolving needs. With UGrow Finance, you can expect a dedicated partner in your financial journey, ready to provide support and insights as required.

Uzma Sattar
Director/Mortgage Broker
Phone: 0494 352 511
Email: info@
Uzma brings nearly 20 years of experience working with clients, delivering tailored solutions throughout her professional career.
She takes the time to understand each client’s unique circumstances, ensuring they feel supported and confident at every stage.
She is passionate about guiding clients through every stage of their financial journey, from purchasing their first home to expanding or restructuring their portfolio while supporting them in building and growing their property portfolios with care.
At UGrow Finance, she is committed to delivering genuine, client-focused support in every interaction, built on trust and empathy.
Our services
Comprehensive assistance is available for all your finance and home loan requirements across various services. Regardless of your background, the experienced team is dedicated to identifying the most suitable options for your individual circumstances.
Common inquiries and responses
Alongside providing competitive rates, we take pride in being readily available to assist with any queries you may have throughout your loan’s duration. We welcome both first-time buyers and seasoned investors alike – regardless of your experience, we are dedicated to supporting you whenever needed.
What role does a broker play?
A broker is a finance expert who collaborates with you to explore your borrowing objectives and help you ascertain the amount you can borrow. They generally offer a more customised service than what you might receive directly from a lender and have access to a range of loans from various lenders, enabling them to secure the most suitable terms for your specific circumstances.
Are there fees for home or investment loans?
There are no additional repayments or charges when obtaining a loan through a broker. Brokers earn a commission from the lender for bringing in new business, but this does not influence your interest rate or any other terms of the loan agreement.
Is using a broker more costly?
Engaging a broker comes at no cost to you, as the lender compensates your broker. With access to a wide array of loan products from numerous lenders, brokers are equipped to identify the most suitable loan for your individual needs. Typically, this involves a blend of the most competitive rate available at that time along with features that best suit your requirements.
Some brokers may impose service fees, which should be clearly communicated prior to the provision of their services.
What is the maximum amount I can borrow?
While our borrowing calculator can provide a general idea of your potential borrowing capacity, for a more accurate evaluation, please reach out to our team. We can discuss your options in detail and explore your specific circumstances together.
Should I choose a fixed or variable interest rate?
As the name implies, variable-rate home loans feature interest rates that fluctuate over time. They often provide more flexibility compared to other loan types, offering features such as redraw facilities and the option for extra repayments. However, they lack fixed repayment amounts.
Conversely, fixed-rate home loans ensure predictable monthly payments – you will know exactly what your repayment will be for the entire loan term. While these loans may not offer as much flexibility in terms of features, they provide borrowers with certainty for budgeting their repayments.
When deciding which type of loan suits you best, consider what matters most—whether it’s flexibility or stability in monthly repayments.
Which lenders are you partnered with?
Through our connection with a mortgage aggregator, we have the opportunity to access loan options from over 40 lenders. This allows us to assist you in identifying several viable options tailored to your unique situation.
Some of our mortgage broking service areas in Melbourne
Although we service clients Australia wide, we support local areas across Melbourne with lender access, home loan help and finance options tailored to our local community.












