Manjinder Chahal

24/04/2026

Today, we pause to remember the courage, sacrifice, and resilience of those who served and continue to serve.

On this ANZAC Day, we honour the brave men and women who gave so much for our country and our future.

Their legacy lives on in the values we hold dear — courage, mateship, and sacrifice.

Lest We Forget.

—
From all of us at UV Financial Services

14/04/2026

Radio haanji ਨੇ ਜੀਲੌਂਗ ਵਿੱਚ ਆਪਣੇ ਚਾਹੁਣ ਵਾਲਿਆਂ ਦੇ ਵੱਡੇ ਇਕੱਠ ਨਾਲ ਮਨਾਇਆ ਆਪਣਾ 11ਵਾਂ ਜਨਮਦਿਨ
ਇਸ ਦੌਰਾਨ ਪੁਰਾਣੀਆਂ ਯਾਦਾਂ, ਰੇਡੀਓ ਦੇ ਸਫ਼ਰ, ਪ੍ਰਾਪਤੀਆਂ ਅਤੇ ਹੁਣ ਦੀਆਂ ਸਾਂਝਾਂ ਦੀ ਬਾਤ ਪਾਈ ਗਈ।
ਇਸ ਮੌਕੇ ਜਿੱਥੇ ਵੱਖੋ ਵੱਖ ਪੇਸ਼ਕਾਰਾਂ ਨੇ ਆਪਣੀ ਹਾਜ਼ਰੀ ਲਗਵਾਈ, ਓਥੇ ਹੀ ਸਾਥ ਦੇਣ ਵਾਲੇ ਕਾਰੋਬਾਰੀਆਂ ਨੂੰ ਵੀ ਸਨਮਾਨ ਚਿੰਨ ਪ੍ਰਦਾਨ ਕੀਤੇ ਗਏ।
ਹਾਜ਼ਰੀਨ ਲਈ ਤੋਹਫ਼ੇ ਅਤੇ ਰੰਗਾਰੰਗ ਪ੍ਰੋਗਰਾਮ ਦੀ ਤਾਰੀਫ਼ ਕਰਨੀ ਵੀ ਜ਼ਰੂਰੀ ਹੈ।

Lara ਤੋਂ MP Ms Ella George ਨੇ ਵੀ ਪੰਜਾਬੀ ਸੂਟ ਵਿੱਚ ਹਾਜ਼ਰੀ ਲਗਵਾਉਂਦਿਆਂ Geelong ਵਿੱਚ ਸਭ ਨੂੰ ਜੀ ਆਇਆਂ ਨੂੰ ਆਖਿਆ

ਰੇਡੀਓ ਸੰਚਾਲਕ ਰਣਜੋਧ ਸਿੰਘ ਹੋਰਾਂ ਸਭ ਦੇ ਨਾਲ ਆਪ ਵੀ ਸਟੇਜ ਤੇ ਹਾਜ਼ਰੀ ਲਗਵਾਉਂਦਿਆਂ ਪੁਰਾਣੀਆਂ ਯਾਦਾਂ ਸਾਂਝੀਆਂ ਕੀਤੀਆਂ।

ਅਦਾਰਾ ਪਬਲਿਕ ਟਾਈਮਜ਼ ਆਸਟ੍ਰੇਲੀਆ ਵੱਲੋਂ ਅਦਾਰਾ ਰੇਡੀਓ ਹਾਂਜੀ ਨੂੰ ਬਹੁਤ ਬਹੁਤ ਵਧਾਈਆਂ 🎂🎂
UV financial services

14/04/2026

23/03/2026

Almost every single person who sold a house or unit in Perth in the second half of 2025 made a profit, new data from property portal Domain shows.

STORY: https://ab.co/4bW0iCf

For the first time in 15 years, more than 90% of house resales in every Australian capital city turned a profit, the report showed. And in Perth, 99.5% of house resales and 96.8% of home unit resales saw a profit in the second half of 2025.

Domain chief economist Nicola Powell said the size of the profits was widening the gap between existing owners and prospective buyers, "making it increasingly difficult for younger Australians to buy property without the support of intergenerational wealth".

"With record median profits in many of our cities and regions, the barrier to entry is increasingly defined by existing family equity, rather than individual savings alone," Dr Powell said.

15/03/2026

02/03/2026

Still think you need a 20% deposit to buy your first home? 🤔

You might not.

With as little as 5%, eligible first home buyers in Australia could access schemes like the First Home Guarantee and potentially avoid Lenders Mortgage Insurance.

Buying your first home doesn’t have to feel overwhelming — you just need the right guidance.

At UV Financial Services, we:
✔ Compare multiple lenders
✔ Explain your options clearly
✔ Guide you from pre-approval to settlement

No jargon. No pressure. Just honest advice.

Thinking about buying this year?
Send me a message and let’s see what’s possible.

25/02/2026

“Lifting interest rates to slow inflation is often referred to as a blunt instrument. In this instance, the blunt instrument is being used to smash the wrong culprit,” said Greg Jericho, Chief Economist at The Australia Institute.

Read more: https://australiainstitute.org.au/post/__trashed-2/?utm_campaign=article&utm_medium=social&utm_source=facebook&utm_term=ECN

22/02/2026

🔁 ਕੀ ਤੁਸੀਂ ਆਪਣਾ ਹੋਮ ਲੋਨ ਹਾਲ ਹੀ ਵਿੱਚ ਰਿਵਿਊ ਕੀਤਾ ਹੈ?

ਛੋਟੀ ਜਿਹੀ ਇੰਟਰੈਸਟ ਰੇਟ ਦੀ ਬਦਲਾਅ ਵੀ ਸਾਲਾਨਾ ਹਜ਼ਾਰਾਂ ਡਾਲਰ ਬਚਾ ਸਕਦੀ ਹੈ।
ਰੀਫਾਇਨੈਂਸ ਸਿਰਫ ਰੇਟ ਘਟਾਉਣ ਲਈ ਨਹੀਂ — ਸਹੀ ਸਟ੍ਰੈਟੇਜੀ ਲਈ ਹੁੰਦੀ ਹੈ।

ਜੇ 12–18 ਮਹੀਨੇ ਹੋ ਗਏ ਨੇ, ਤਾਂ ਹੁਣ ਸਮਾਂ ਹੈ ਇਕ ਸਧਾਰਣ “ਹੋਮ ਲੋਨ ਹੈਲਥ ਚੈਕ” ਦਾ।

— ਮਨਜਿੰਦਰ
BDM | UV Financial Services
Call 0435 109 003 for an obligation free consultation.

18/02/2026

🏦 Banking & Mortgage Insight for 2026

Many people think getting a home loan is just about the interest rate.

It’s not.

Right now in Australia, lenders are:
• Assessing living expenses more closely
• Stress-testing repayments at higher buffer rates
• Reviewing credit history in more detail
• Looking carefully at job stability and income consistency
• Applying different policies for overtime, bonuses, and self-employed income

Two people earning the same salary can receive very different borrowing capacities — simply because each lender has different credit policies.

That’s why strategy matters.

Before applying for a loan, it’s important to understand:
✔ Your true borrowing capacity
✔ How lenders calculate serviceability
✔ Whether refinancing actually saves you money
✔ What government schemes you may qualify for

Smart preparation can make the difference between approval and disappointment.

If you’re thinking about buying, refinancing, or just want clarity around your options, I’m happy to have a conversation and our team can guide you in the right direction.

Manjinder
Business Development Manager
UV Financial Services
Australia-wide support (Phone & Zoom)

11/12/2023

Major change:

485 streams will be re-named as Post-higher Education Work and duration of 485 visa reduced and the subclass 476 visa will be abolished.

10/12/2023

International students and graduates in focus
The new strategy includes several measures targeting international education which the government says will ensure foreign graduates help meet skills shortages.

From early next year the English language requirements for student and temporary graduate visas will be increased to "improve the quality of students' educational experience in Australia and reduce potential workplace exploitation".

Under the International English Language Testing System, students applying for a Graduate visa will require a score of 6.5 up from 6.0, while Student visa applicants will need a 6.0 up from 5.5.

The government says international students and graduates make up the largest share of "permanently temporary" migrants with 108,000 having stayed in Australia for five or more years.

Under the new plan, there will be more scrutiny of those applying for a second visa, with the number of international students staying in Australia on multiple successive student visas growing by more than 30 per cent to 150,000 last year.

Source: ABC NEWS