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.
Who you'll be working with
You deal directly with your broker from the first conversation through to settlement.
Most people aren't told how it actually works until they're already in the process.
Twenty years in, surprises still happen.
When they do, you want someone experienced next to you — not someone working it out at the same time you are.
We've seen most situations before. That experience makes a difference when something doesn't fit neatly into a standard application.
Where your situation is more specialised — medical, expat, commercial, self-employed — we have specific experience in those areas as well.
The team below handles these scenarios day-to-day. ..
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.

What we work on
When the outcome matters
"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
For those who want to understand how lending decisions are made:
Property & Mortgage Insights Australia
Our podcast breaks down how lending decisions are actually made — from income recognition to policy interpretation and timing.
Speak with a broker today
Tell us what you're working on and we'll come back to you promptly.

