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.
"Working with clients across purchases, refinancing and investment decisions throughout Australia."
Been referred directly to one of our brokers? Their contact details are here.
A different kind of starting point
Most brokers start with the loan. We start with the assessment.
Before anything is submitted to a lender, we map how your position is likely to be read — across all five of the factors that drive lending decisions.
Where there's a constraint, we identify it. Where there's room to adjust the approach, we do. If you proceed, we manage the process through to settlement.
Who you'll be working with
You deal directly with an experienced broker. You're not passed between teams.
Your Brokers
Phil Riches
CEO & Lead Mortgage Broker
Specialising in complex and self-employed lending.
Existing clients or referred introductions may call Phil directly on 0418 204 304.
Jason Wilkinson
Senior Mortgage Broker
Methodical, calm, and known for getting the details right.
Existing clients or referred introductions may call Jason directly on 0413 434 693.
Julianne Zammit
Senior Mortgage Broker
Known for precision with first home buyers and complex lending scenarios.
Existing clients or referred introductions may call Julianne directly on 0431 922 899.
Ian Hughes
Senior Mortgage Broker
Technical lending expert trusted by first-time buyers and professionals.
Existing clients or referred introductions may call Ian directly on 0403 522 961.
“Even finance professionals come to us when the outcome matters.”
— Virginia Graham Riches, Founding Partner
(Mortgage broker since 2004 • Former ANZ interest rate dealer)
“I thought I could do it myself. I quickly realised I couldn’t — working with experienced brokers changed everything.”
— Steve Hare, Global Finance Professional & long-term client
Because lending decisions aren’t just about rates — they depend on policy, structure, and how your situation is presented.
Property & Mortgage Australia Podcast
Speak with a broker today
"Working with clients across purchases, refinancing and investment decisions throughout Australia."
Been referred directly to one of our brokers? Their contact details are here.