Financial Health


Our caring Financial Health team provides a range of free, confidential and non-judgmental support for people who are experiencing financial difficulty. 

Financial Counselling

Our free financial counselling service, with qualified, independent and compassionate financial counsellors, can can put you back in control of your money. To find out more visit our webpage

To access a financial counsellor, please complete the referral form.

Financial Capability 

Conduct a financial health check and get help to plan a household budget, negotiate bill payment plans and gain access to concessions.

No Interest Loans (NILS)

With no fees or charges, No Interest Loans (NILS) provide people on low incomes with access to safe and fair credit up to $1,500 and have repayments set at an affordable amount over 12 to 18 months. Available for essential goods and services such as fridges, washing machines, car repairs, and medical procedures. Not available for debt consolidation, holidays or bills, and not available as cash. 

StepUP Loans

The StepUP program is no longer available.
If you are an existing StepUP client and require assistance with your loan, you can call the NAB directly on 1800 701 599 with any queries.


Help to understand utility bills, identify concessions and opportunities to use less and save, look for better deals, and talk with companies to get a better, fairer outcome. To find out more visit their website

Tax Help 

Our Tax Help volunteers are trained and accredited by the Australian Tax office and provide a free and confidential service for people with incomes up to $60k, with simple tax affairs, to complete their tax returns online. Available between July and October.  

Why choose us


We are committed to providing excellent customer service that informs, advises, and supports you. In a friendly and caring way, we will take the time to understand your individual needs, provide assistance, and listen to your ideas. We celebrate diversity and offer translating and interpreting services and AUSLAN interpreter services. We will respect your privacy. We will take all reasonable precautions to protect your information and will not disclose this to anyone unless you give us your permission (or we are required to do so, by law). We are continually looking for ways to improve our service and will always value your feedback.

Phone us

If you would like to speak with someone about our Financial Health Services, please call our Financial Health hotline on 8245 7177.

Enquire online 

To enquire online, please complete the form below and we will get back to you within 48 business hours.

Heather, UCWB Team Member

“We’re here to listen and to help. Call us on 8245 7177, or get in touch to request a callback