Magnificent contemporary coastal home on the Sunshine Coast with infinity pool and ocean views
Experts in Lending Since 2004

The brokers you call when the outcome actually matters.

Specialist mortgage brokers for investors, business owners, Australian expats, and complex scenarios. 50+ lenders. Expert-level policy knowledge. Rate, structure and lender fit — weighed together, not picked one at a time.

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Specialist lending focus
MFAA & AFCA member
Australia-wide
2004
Established
50+
Lenders on Panel
5
Specialist Brokers
15yr
Avg Client Tenure
"Even finance professionals come to us when the outcome matters."
— Virginia Graham Riches, Founding Partner & Former ANZ Interest Rate Dealer
Experts in Lending Since 2004
·
50+ Lenders on Panel
·
MFAA & AFCA Member
·
Australia-wide Service
What Makes Us Different

AI can help you prepare.
Only a credit specialist can structure the deal.

Every bank has a 200–300 page credit policy document. Each one categorises your postcode, your income type, your occupation, and your property differently. AI is genuinely useful for the prep — modelling cashflow, sanity-checking scenarios, framing better questions. We use it ourselves and we'll show you how. But knowing which lender suits your situation this week, where the rate negotiation window actually sits, and how to structure the deal so it settles — that's the credit-licensed work, and that's what we do for you.

After 20 years working with expats, investors, self-employed borrowers, and medical professionals, we understand how lending decisions are actually made — and what changes the outcome.

About the firm →

Each bank's credit policy is different. Overseas income, bonus income, and rental income are all assessed differently depending on the lender. We know which bank suits your situation right now.

Bank discretionary pricing windows are real. Asking for a rate negotiation in the wrong week means you've already missed it. We know how and when to move.

The 2026 reforms are unsettling — we get it. Negative gearing limits on established property from July 2027, the CGT discount being reworked, and APRA's tighter investor borrowing rules from February all moved the goalposts. We've been working through grandfathering, timing and structure with our clients and their accountants since Budget night. You don't have to figure it out alone.

Some banks won't lend to expats at all. Currency risk rules vary. We match you to a lender that actually works for your circumstances — not just whichever one has a campaign rate.

Our Core Capabilities

Specialist lending across every major borrower type

We work with people whose situations require more than a standard application. If another broker said it's complicated — it usually isn't, it just needs the right lender.

01

Medical Professionals

One of our busiest desks. LMI waivers, specialist income recognition, and lenders who actually understand how doctors, dentists and allied health professionals are remunerated — including rooms, equipment and fit-out alongside the home loan.

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02

Commercial Finance — Childcare & Property

Childcare centre acquisitions, commercial property, and going-concern business lending. Going-concern value, occupancy, leases and operator experience are assessed completely differently to a home loan. We've structured this kind of finance since 2004.

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03

Equipment & Asset Finance

Chattel mortgage, lease and rental structures for clinic equipment, plant, vehicles and fit-outs. Low-doc options for established businesses. We line up the funder and the structure with your accountant so the tax treatment works.

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04

Investment Lending

Strategic structures for property investors — from first investment to portfolio-level lending. Serviceability planning, IO periods, and lender policy navigation. Now factoring in the 2026 negative gearing and CGT changes alongside your accountant.

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05

Business & Self-Employed

Income assessed the way self-employed borrowers are actually structured. Addbacks, business financials, and company lending done properly.

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06

Purchases & Refinances

First home buyers, upsizers, and refinancers. We handle straightforward and complex deals with the same attention to structure and timing.

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Your Brokers

You deal directly with your broker from first conversation through to settlement

For existing clients and referred introductions — your broker can be reached directly on the numbers below.

Phil Riches — CEO & Lead Mortgage Broker

Phil Riches

CEO & Lead Mortgage Broker

Specialising in complex and self-employed lending. Over 20 years building long-term client relationships across Australia and with expats overseas.

 0418 204 304
Jason Wilkinson — Senior Mortgage Broker

Jason Wilkinson

Senior Mortgage Broker

Methodical, calm, and known for getting the details right. Trusted by clients navigating complex purchases and structured investment decisions.

 0413 434 693
Julianne Zammit — Senior Mortgage Broker

Julianne Zammit

Senior Mortgage Broker

Known for precision with first home buyers and complex lending scenarios. Clients value her thoroughness and ability to explain lending decisions clearly.

 0431 922 899
Ian Hughes — Senior Mortgage Broker

Ian Hughes

Senior Mortgage Broker

Technical lending expert trusted by first-time buyers and professionals alike. Known for working through lending challenges that others consider difficult.

 0403 522 961

Direct contact numbers are for existing clients and referred introductions. New enquiries — please use Book a Broker Call or Start an Enquiry.

"I thought I could do it myself — I'm in finance, I know this. But Phil had information I simply couldn't access: which bank has discretionary pricing available this week, which lender suits expat income right now, how to structure things so you have options later. That's not something you can replicate. It was a definite turning point."
Steve Hare Global Finance Professional & Long-Term Client (15+ years) — Sydney Futures Exchange · London · Singapore

Property & Mortgage Insights Australia

Our podcast breaks down how lending decisions are actually made — from income recognition to policy interpretation and timing. Hosted by Virginia Graham Riches, former ANZ interest rate dealer and mortgage broker since 2004.

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For Property Investors

The Prompt Series — AI tools to help you prepare, before you sit down with a broker

Cashflow models, borrowing capacity frameworks, suburb risk analysis, and off-the-plan due diligence — including a free Claude artifact for property portfolio analysis. Built by Virginia. Use AI to do the prep work; bring it to a credit specialist when it's time to put the actual deal together.

Coming Soon
Ready to Talk?

Speak with a broker before you make your next property move

Understand how your situation is likely to be assessed — and what that may mean for your next step.

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