About Uniting Financial Services

Beliefs-driven investing at the coreOur story

Uniting Financial Services (UFS) is a religious charitable development fund which was established to provide lending and investment services to the Uniting Church, Synod of NSW and ACT.We are not a corporatised financial services company or a bank. For more than 90 yearswe have been helping Church organisations to manage and grow their finances with our range of financial products. As a not-for-profit organisation, we also provide distributions back to the Church, rather than dividends to shareholders. As such, we are aligned with the Church’s mission and helping communities in need, as well as supporting church life and congregations.

A way to invest that you can feel good about  Beliefs-driven investing has always been at the core of UFS – it's what guides all that we do. Since the 1980s, UFS has been pioneering responsible ways to invest. We believe responsible investing has a huge ripple effect across our communities and ecosystems, and on the pace of government and corporate action.  Our mission is to deliver financial leadership through disciplined ethical investment with a heart for the Church's mission. Our activities are governed by ethical investment principles and the United Nations’ Sustainable Development Goals.    Focus on sustainable returns   We know investors are seeking sustainable returns as well as sustainable investment options. Our clients are purpose-driven and we seek to invest with people and organisations who share the same values.    As stewards of over $1.9 billion in funds under management (as at 31 December 2025), our team of investment professionals has an acute understanding of the financial, as well as the societal, benefits of ethical investing.  

When you invest with us, you can feel confident that we are focused on delivering healthy returns while alsocontributing toa better future.

Uniting Church (NSW) Trust Association LimitedThe Uniting Church (NSW) Trust Association Limited (‘Trust Association’) operates as the religious charitable development fund for The Uniting Church in Australia entities and organisations that operate in NSW and the ACT. It sources funds, undertakes investments and provides loans to organisations of the Uniting Church.The Trust Association further holds an Australian Financial Services Licence (No. 292186), which allows it to provide non-cash payment products (such as telephone and internet access or direct debit services) and offer general product advice. It is also the product issuer to the Uniting Church Organisations and Agencies.

  CallInvestments and Lending: 1300 133 673Other enquiries: 02 8267 4300

  Emailcontactus@unitingfinancial.com.auWe are here to help.

  Post P.O. Box A2178, Sydney South NSW 1235  

  AddressLevel 10, 222 Pitt Street, Sydney NSW 2000

  Important for you to know Financial services are provided by The Uniting Church (NSW) Trust Association Limited ACN 000 022 480, ABN 89 725 654 978, AFSL 292186 (“UCTAL”) and by The Uniting Church in Australia Property Trust (NSW) ABN 77 005 284 605 (“UCAPT”) (together and separately “Uniting Financial Services”), for The Uniting Church in Australia, Synod of NSW and the ACT (“Synod”), under a s.911A Corporations Act 2001 (Cth.) authorisation and pursuant to APRA Banking Exemption No. 1 of 2021 and ASIC Regulatory Guide 87 and ASIC Corporations (Charitable Investment Fundraising) Instrument 2016/813 exemptions. Uniting Financial Services® is a registered trademark of UCTAL used with permission of UCAPT. None of The Uniting Church in Australia, UCAPT and UCTAL is prudentially supervised by APRA. Therefore, investments with or contributions to these Uniting Church organisations will not receive the benefit of the Financial Claims Scheme or the depositor protection provisions in the Banking Act 1959 (Cth.). All financial services and products are designed for investors who wish to promote the religious and charitable purposes of Uniting Financial Services and The Uniting Church in Australia and for whom profit considerations are not of primary importance in their decision to invest. The information on this page has been prepared without considering your objectives, financial situation or needs. You should, before acting on it, consider its appropriateness to your circumstances or refer to the relevant disclosure document. Loan applications are subject to credit approval. Interest rates are subject to change. Fees and charges may apply.