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Smart Finance Solutions

That Actually Work For You

*As featured on Property and Mortgage Australia Podcast

Get the finance that works- For Homes, Businesses and Heavy Equipment.

Whether you're buying your first home, expanding your property portfolio, or upgrading machinery for your business, our brokers help you access smarter finance from over 40 lenders..

Book your free consultation — we'll tell you exactly how we can help within 24 hours.

                         Book a Call                            
           Get Home or Investment Loan           
        Equipment & Business Finance            

Why Choose Finance on the Coast?

We’re not your typical mortgage brokers. We combine decades of lending experience with cutting-edge technology to deliver what clients value most: speed and results.

Our approach:

  • Strategic thinking first — we don’t just process applications; we structure solutions.
  • Technology-powered efficiency — faster approvals, less paperwork, real-time updates.
  • Long-term partnership — here for your next purchase, refinance, or business expansion.


Who We Help —

Your Goals, Our Expertise

  • First-home buyers: navigate the market confidently and secure competitive rates.
  • Property investors: build wealth with smart structuring and portfolio optimisation.
  • Business owners: access working capital and equipment finance that grows with you.
  • Professionals & families: refinance, upgrade, or consolidate and save money.
  • Equipment & Mining operators: fast, flexible funding for heavy plant and machinery across North Queensland.


The Process

How We Make Finance Simple

Free Strategy Call — understand your goals and current situation.

Custom Solution Design — structure the right approach for your circumstances.

Fast-track Application — leverage our lender relationships for quicker approvals.

Ongoing Support — stay connected for future opportunities and optimisations.


Brokers trusted by other professionals

Phil Riches

                            Call Phil on 0418 204 304                    

CEO & Lead Mortgage Broker: Delivering the technical precision and strategic insight that industry leaders depend on.


Julianne Zammit

                         Call Julianne on 0431 922 899                      

Senior Broker – known for precision with first home buyers and complex lending scenarios.

Jason Wilkinson

                           Call Jason on 0413 434 693                   

Senior Broker – methodical, calm, and known for getting the details right.


Ian Hughes

                        Call Ian on 0403 522 961                       

Senior Broker – technical lending expert trusted by first-time buyers and professionals.


Client Testimonials

Tani Yuki

“My refinance went so smoothly, I was even traveling for work through a lot of the loan process and it didn’t slow things down. They were helpful, communicative and made everything so easy – Highly recommend, thank you!!!”


Rhys & Liz Blackburn


"You got us through some major hurdles for our first property. They had the connections at the bank to get our application through in record time, and secured us a low interest rate.We have recommended them to several friends. We went through you for a second house two years after the first one, and will stick with them for all our mortgage matters." 

Dr Candice Jensen


"As a busy mother and doctor it was great knowing everything was taken care of in a quick and professional manner!"

Latest Podcast: Real Finance Insights, Real Experts

Hear our team and industry partners discuss market trends, lending strategies, and smart property moves on our regular podcast. Get the insider knowledge that helps you have better financial choices.

Ready to Make Your Next Move?


Every situation is unique. Book a free 15-minute consultation and we'll show you exactly what's possible with your finance goals.

Call or book online

Serving clients across Sydney, Cairns, Brisbane & Australia-wide

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© 2025 Finance on the Coast, a division of Model Mortgages Pty Ltd | ACL No 387460 | ABN 82 108681063


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