Talk to experienced mortgage brokers who understand complex lending.
Home buyers, investors and self-employed borrowers across Sydney, the Central Coast and Cairns.
Get started online or book a call with one of our brokers — whichever suits you.
No obligation · No credit checks · Experienced brokers
Referred to us directly? You’re welcome to contact your broker on their direct number below.
Real clients. Real outcomes.
When lending situations aren’t straightforward, experience matters.
Client story: Complex lending in practice
“I thought I could do it myself. I quickly realised I couldn’t — and working with experienced brokers changed everything.”
- Steve Hare, Global Finance Professional & long-term client
How We Work
Lending outcomes can vary depending on how income, expenses and supporting information are assessed — and how that information is presented.
Our brokers bring deep experience in how lending policy is applied in practice across a wide range of borrower scenarios, including experience within bank head office and credit environments.
Applications are managed by your broker, with the support of a highly experienced team when complex scenarios require additional insight.
Working with our team means:
• Access to panel and non-panel lenders
• Understanding how different lenders assess the same information
• Preparing applications to suit your circumstances
• Managing changing conditions and lender requirements
Experienced brokers supporting home buyers, investors and complex lending scenarios across Sydney, the Central Coast and Cairns.
Why Preparation Matters
Lenders make decisions based on how information is presented — not just what it contains.
We use a structured intake process to gather information once. Required authorities and permissions are completed separately, in line with compliance requirements.
Before anything is submitted, we review and prepare the application so it is presented clearly and consistently for lender assessment.
This avoids duplicated forms, fragmented paperwork and repeated explanations — helping applications progress more smoothly while protecting lender relationships.
The result: clearer decisions and a smoother lending process.
Who This Is For
How the Process Works
Meet Our Brokers
New enquiries should book a conversation. Phone numbers below are for existing clients or referred introductions only.
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.
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.
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.
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 Clients Say
Working with buyers, investors and self-employed borrowers.
Our clients are based across Sydney, the Central Coast and Cairns, with brokers who work remotely and in-market where required.
Ready to talk to a broker?
Get started online or book a call with one of our brokers — whichever suits you.
No obligation · No credit checks · Experienced brokers
Referred to us directly? You’re welcome to contact your broker on their direct number listed above.
Contact
Privacy Policy | Terms & Conditions | Dispute Resolution Policy
© 2025 Finance on the Coast, a division of Model Mortgages Pty Ltd | ACL No 387460 | ABN 82 108681063