Smart Property Finance for Professionals & Investors

We match you with the right broker who understands complex income—and delivers smart lending strategy.


✅ Trusted by doctors, lawyers, business owners, and investors Australia-wide



No obligation. Just a quick strategy call—so you know your options.

🎙 Led by founder Phil Riches —

as featured on

The Intelligent Property Investor Podcast

🔔 Just In: New Rate Forecast — Find out what it really means in 60 seconds


🎙 Led by founder Phil Riches —

as featured on

The Intelligent Property Investor Podcast

🔔 Just In: New Rate Forecast — Find out what it really means in 60 seconds


As Heard On The Intelligent Property Investor Podcast

& Featured In Media Across Australia.

Our brokers and founder Virginia Graham have been featured in leading media including:


Why People Work With Us

We Specialise in Complexity—So You Don’t Have To

✅ Tailored lending for medicos, investors, and business owners

✅ Strategy-first approach, not just a loan

✅ Fast answers, expert advice, no bankspeak

✅ Structured loans that support long-term wealth goals

✅ We do the heavy lifting—you stay focused on life



Who We Help


Built for Clients Like You

👨‍⚕️ Professionals & Medicos – High-income earners (doctors, lawyers, execs) who need tailored lending.

💼 Business Owners – Self-employed entrepreneurs or SME owners needing flexible finance.

🏘️ Investors – Strategic property investors growing their portfolio.

👨‍👩‍👦 Families & Others – From first-home buyers to retirees, we’ve got you covered.


What We Do (Loan Types)

Smart Solutions Across All Property Finance
  • Home Loans
  • Investment Property Loans
  • Specialist Lending (Medico, SMSF, Complex Income)
  • Refinancing & Restructuring
  • Business & Commercial Loans

🎥 FLIP THE CARD OR WATCH THEIR 60-SEC INTROS

🎥 Meet Your Experts

Led by Industry Experts, Built Around You

Phil Riches


Founder. Strategic finance veteran with hundreds of client wins across investor and medico markets.

🎧 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

Over 20 years lending experience.

🎧 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.



Book a Call


🧭 How it Works

Here’s How Easy It Is

Step1: Book Your Strategy Call – Choose a time that suits you below

Step2: Get Matched with the Right Broker – Or choose one yourself

Step 3: Relax While We Handle the Rest – End-to-end loan strategy, paperwork, and bank wrangling

Testimonials

Hear from Professionals We’ve Helped

Watch or Listen 

Want to Learn First?

Tune into The Intelligent Property Investor – Australia’s smartest conversations about finance strategy.

Let’s Talk — Today

Book a free call with a senior broker—or request a callback and we’ll ring you in under 30 seconds.

No pressure. Just real answers and expert support.

🔁 Request Instant Callback 

☎️ Call Us Now – 0413124262



Access to 40+ Lenders – for Strategy-First Finance

Whether you're self-employed, investing, or buying your dream home — we match the right lender to your situation, not the other way around.

Contact


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


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


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