Universal Mortgage Experts

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Toukley, NSW
Universal Mortgage Experts

Helping everyday Aussies buy property with confidence. At UME, we simplify the loan process so you can move forward with clarity.

Based on the Central Coast, we’re here to empower, adapt and deliver a seamless experience from start to settlement. Finance Broker
Home Loans
Car Loans and Leasing
Income Protection and Life Insurance
General Insurance

10/08/2026

Congratulations, Monique!
We're thrilled to announce that Monique Telfer has been promoted from Para Broker to Finance Broker here at Universal Mortgage Experts.

Monique's dedication, attention to detail, and genuine care for every client shine through in everything she does. She now joins Director Nathan Aird as another Finance Broker on our team, ready to help even more clients across the Central Coast reach their property and financial goals.

Whether you're a first home buyer, refinancing, or growing your property portfolio, Monique and the team are here to help. Get in touch with us today.

Congrats again, Monique.

06/08/2026

20 years. 97 riders. $100,000 raised in one final, record-breaking year.

This year marked the last-ever Paxton Charity Ride, and what a way to go out.

97 riders made their way from Gwandalan through to Potters Brewery in the Hunter Valley, with Saturday night bringing the main event - an auction, raffles, and a prize for every rider. And what prizes! Two Yamaha PW50s, a Kawasaki electric bike, tools, gear bags, memorabilia, riding gear, tyres, and a stack of vouchers were all given away on the night.

What started as six mates riding dirt bikes together twenty years ago grew into one of the Westpac Rescue Helicopter Service's biggest community fundraising events. For the past eight years, the ride has raised money for the Westpac Rescue Helicopter Service - Official Site, and together the community has now raised an incredible $343,273.15 for this life-saving service.

Universal Mortgage Experts was proud to be a major sponsor of the ride once again this year - a cause that's always been close to our business' heart.

To every rider, volunteer, sponsor and donor who's been part of this journey over the past two decades - thank you. What a legacy to leave behind.

04/08/2026

Two days, one Melbourne HR crew, and a whole lot of "that's SO me" moments.

This week we hosted the team from Inject - Director Tommy, Justine and Katelyn, for a DISC profile training session in our office.

Turns out knowing your D from your I (and your S from your C) makes a big difference in how a team works together.

Thanks for making the trip up, team Inject.

28/07/2026

🎉🧢 Happy Birthday Steph & Megan! 🎂

Two birthdays, two cakes, and a LOT of sombrero energy at Mexicoast Cantina in Toukley last week.

Wishing our amazing Compliance Manager Steph Catley and Para Broker Megan Heginbotham the happiest of birthdays. Thank you both for everything you do for our clients and the team.

24/07/2026

Sweet surprises make our day!

Nothing beats a thank you like this. Our Universal Mortgage Experts team was treated to the most delicious homemade cupcakes this week, gifted by some incredible first home buyers we had the pleasure of helping settle into their new place.

Moments like these are exactly why we love what we do. Supporting first home buyers across the Central Coast and beyond on their journey to owning a home isn't just our job, it's genuinely one of the most rewarding parts of the role. Seeing clients go from "is this even possible?" to holding the keys to their first home (and then showing up with cupcakes!) makes it all worthwhile.

Thank you to our amazing clients for the treats and for trusting us with such a big milestone.

22/07/2026

Thinking about investing in property? There’s more to consider than just interest rates.

With recent changes to the lending landscape and government legislation around SMSF lending, negative gearing and capital gains tax, making informed decisions has never been more important. Whether you’re buying your first investment property or growing your portfolio, we’re here to help you understand how these changes could affect your plans and guide you towards the right lending solution for your goals.

We can help you:
✔️ Understand your borrowing power and available equity

✔️ Structure your loan to suit your investment strategy

✔️ Navigate today’s lending environment and proposed legislative changes

✔️ Compare lenders to find the right fit

✔️ Make sense of rental yields, cash flow and other key investment considerations in plain English

Property investment is a big decision, and having the right advice can make all the difference. If you’d like to understand how changing interest rates and the new government legislation may impact your investment strategy, Nathan and the team at Universal Mortgage Experts are here to help you make an informed decision. Get in touch with our friendly team today via the link below ⬇️
https://www.universalme.com.au/

21/07/2026

Big news! Nathan Aird, Director and Finance Broker at Universal Mortgage Experts, has been named a NSW finalist in FOUR categories at the 2026 AFG (Australian Finance Group) Broker Awards:
✅ Best Broker Insurance
✅ Best Broker Partner Connect
✅ Regional Broker of the Year
✅ Top 50 Individual
Proud to have Nathan helping Central Coast families and businesses with their finance needs, from Toukley and beyond. Congratulations, Nathan.

15/07/2026

Thank you for your kind words, Matthew 🧡

First home journeys can feel overwhelming, but having the right support makes all the difference. Our team are here to guide you through every step, even beyond business hours.

08/07/2026

Whether you’re thinking about buying your first home, upgrading, investing, or simply getting your finances in better shape, now is a great time to check where you stand and what you can achieve over the next 12 months.

A few new financial year questions to consider:
🔸 Could your current home loan be working harder for you?
🔸 Are you in a stronger position to buy than you were last year?
🔸 Do your savings and borrowing power match your goals?

Think of the new financial year as a fresh opportunity to move closer to your property and financial goals with clarity and confidence. We’re here to help you make the most of it.
https://www.universalme.com.au/

02/07/2026

Back on the Central Coast after an inspiring week at the AFG Strategic Partners Program in Burleigh Heads.

It was a fantastic opportunity to step away from the day-to-day, connect with some of the industry's best, and hear from world-class speakers on where business, leadership, and technology are heading.

We're big believers that learning never stops, and every opportunity like this helps us continue delivering the knowledgeable, personalised service our clients know us for.

A few highlights from a great week 📸🧡

Address

252 Main Road
Toukley, NSW
2263

Telephone

+61243962206

Website

https://www.universalme.com.au/

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