Universal Mortgage Experts is a leading finance broker on the Central Coast of NSW. Established 14 years ago, Nathan and the team at UME are now the locally recognised broker of choice for residence and industry professions across the coast. UME helps 100's of clients buy their first or dream home, invest in the property market or just review their current mortgage to help you pay off your home even faster. UME can also look after any assets finance and both general and personal insurance requirements.

Nathan sets the standard in professional finance advise and with the help of his team, continually exceeds the expectations of their valued clients. UME will help navigate you through the competitive and ever-changing mortgage landscape to find the right loan for you.

We would not expect you to just take our word for it either, so I encourage you to ask around, entrust in the experiences of your friends and family. UME has a proven track record and we take the experience of our clients very seriously.

Why use us as a mortgage broker when looking for finance?

A mortgage broker is someone who shops around for the home loan that's right for you. Whether you're in the market for your first home or building a portfolio of investment properties, we have access to hundreds of loans from a host of Australia's leading lenders.

For professional service you can trust, give us a call, you can make an obligation-free appointment with us at a time and place that suits you.


Nathan understands that customer service is the key to a successful business and delivers it in spade loads.Highly recommend these guys as one of the best in the Mortgage Broker Industry.
Mick & Nat

A huge thank you to Nathan and the team at UME, I can not recommend you enough. Your customer service is top shelf. Always quick to respond to any question & no question or concern is too minor. I am completely satisfied with the package deal you organized for my mortgage. Thank you again, your hard work was very much appreciated.

Can not recommend anyone else when you are looking at purchasing a property. Nathan has been so helpful, so thorough, we would not be in the great position we are in if it wasn't through Nathan's great expertise, 1 yr after buying the property & he is still answering all of my questions & helping me where he can, expensive client hey! Highly recommended...

What a pleasure it was doing business with Nathan!! I could not fault him in anyway. Nathan made the process of buying my first home an absolute breeze and was always happy to answer any of my questions (even the silly ones as I had no idea what I was doing). Thank you, could not of done it without you!!

Nathan has been brilliant from the moment we met. The loan application process has been by-far the easiest part of our build. We have only just begun but the communication from both Nathan and the CBA is outstanding. His attention to detail, follow up and a friendly reassurance that all is going well is a credit to Nathan and his team. I would highly recommend his services to all. Well done!

Ali Adams and I would like to thank Nathan @ Universal Mortgage Experts!! Can't recommend them highly enough!! Nathan went above and beyond to guide us through the whole process!! So if you're looking for any finance for a house or car give these guys a call & they will help you out!!!

Very good customer service, will answer your troubling questions at any time of the day or night. Takes care of all finances for relatively stress free buying. Have used more than once and will use again!

I can't recommend Nathan highly enough. We need 10 stars.. he is always available with a caring and compassionate approach. He has helped me through a lot which I am forever grateful

Nathan is amazing. He helped me buy my first home and I could not be more impressed with the service received. Thank you!

Looking back to the very first day, I contacted 'Universal Mortgage Experts', I was welcomed by 'Nathan Aird', in a very professional, caring, understanding and supportive way, right through to the very end. Nathan was their, every step of the way, making me feel at ease, knowing I was in very good hands, to help me with my goals and Financial needs. Nathan has always had a very positive 'Can Do' attitude, and always followed through and got the job done. Always going above and beyond, working around the clock to help me with any questions or concerns I had. I am forever grateful for everything you have done for me Nathan, and highly respect you as a person, and how you run your business so efficiently. Nothing was ever a problem for you, and you always kept me informed, every step of the way. I cannot recommend you highly enough, along with your great and professional service from 'Universal Mortgage Experts'. You are a credit to yourself and Your Business. Thank you once again and I will not hesitate to recommend you to others.

Straight forward advice and most importantly honest.

Always outstanding - go the extra mile, no messing around brilliant!

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Professionalism at every turn.

We pride ourselves on our professionalism in every facet of our business. Simply click here for a copy of our Internal Dispute Resolution (IDR) process.