WHAT WOULD AN INTELLIGENT PROPERTY INVESTOR DO?
Smart Lending. Strategic
Structure. Real results
Work with expert brokers who genuinely want you to succeed — and structure finance to support your long-term goals and the bigger picture you’re building.
✅ Matched with a senior broker who understands your goals
✅ Trusted by professionals, investors, medicos, and families across Australia
🎙 Led by founder Phil Riches —
as featured on
The Intelligent Property Investor Podcast
🎙 Led by founder Phil Riches —
as featured on
The Intelligent Property Investor Podcast
THE INTELLIGENT PROPERTY INVESTOR PODCAST AND OTHER MEDIA...
Trusted by professionals & featured on..
We help professionals, business owners, medicos, and investors
Why People Work With Us
We help people who want to buy property but don’t always have the time or headspace to work out how.
Many of our clients:
- Were told they didn’t qualify (despite strong incomes or assets)
- Were offered loans they couldn’t actually use
- Needed a smarter structure to support long-term goals
They choose us because:
✅ We’re across policy, credit strategy & lender behaviour
✅ We understand how structure shapes financial outcomes
✅ We specialise in complexity — from unusual income to trusts
✅ We listen first — then tailor the right path forward
Who We Help
We work with clients across a wide range of financial positions and life stages—with a shared focus on getting the structure right from the beginning.
Our clients typically include:
🟢 Families – looking to upsize or relocate
🟢 First Home Buyers – needing help to get started
🟢 Self-Employed – who need flexible loan structures
🟢 Medicos – with complex or high-income lending needs
🟢 Property Investors – growing their portfolios
🟢 SMSF Borrowers – using super to invest
🟢 Refinancers – reviewing their rate or structure
🎥 FLIP THE CARD OR WATCH THEIR 60-SEC INTROS
🎥 Meet Our Brokers
Phil Riches
Founder & Strategic Lending Specialist
🎧 Featured in: Budget Breakdown Episode
🎧 Just watched Phil’s podcast episode on the budget?
He’s helped hundreds of professionals and investors unlock strategic lending results.
Julianne Zammit
Senior Mortgage Broker | Specialist Lending
🎧 Upcoming guest on the podcast
🎧 Just watched Julianne's podcast episode?
Julianne has over 20 years' experience structuring complex loans.eal
Virginia Graham
Co-Founder | Podcast Host | Mortgage Broker
🎧 Host of The Intelligent Property Investor
🎧 Just watched Virginia’s podcast episode?
Virginia’s helped professionals and medicos structure finance for life-changing outcomes.
🧭 How it Works
Fill in a quick form — you’ll be matched with a broker (or choose broker if you prefer).
🕐 Takes less than 1 minute
🎙 Meet Julianne Zammit
20+ years' experience. Specialist in smart, structured lending.
✅ Choose Julianne on the form
🎧 Or hear her on the podcast
Testimonials
"A few years ago, I was starting to feel the weight of holding onto a home I’d committed to years earlier. Between the demands of my medical practice and the complexity of my financial situation, dealing with banks had always been difficult - and I was running out of viable options.
When Virginia from Finance On The Coast stepped in, everything moved forward. She understood the situation straight away and knew exactly how to approach it. The solution she put in place took a huge weight off my shoulders and gave me room to breathe and to plan for the future with more confidence.
Had she not been there at that moment, I likely would have had to sell. The financial security I’ve built since simply wouldn’t have happened. Her help has been the single most important factor in shaping my financial future - it changed everything"
DR John
"As a busy mother and doctor it was great knowing everything was taken care of in a quick and professional manner!"
DR CANDICE JENSEN
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!!!”
CEO tania Yuki
the intelligent property investor podcast
🎧 Listen First, Then Let’s Talk?
Whether you came across our podcast or were referred by someone you trust — you’re in the right place.
We’ll connect you with the right broker and take it from there.
Meet Virginia Graham ,co-founder, mortgage broker, author and podcast host.
✅
Let’s Start with a Quick Enquiry
We’ll connect you with a broker who understands your goals, complexity, and loan type.
🕐 Takes less than 1 minute to get started
✅ Your loan is placed with the lender that fits you.
We work with a wide range of residential, commercial and private lenders — not just the usual names.
Your loan is placed with the lender that fits your goals.
