Specialist mortgage and asset finance brokers for medical professionals, commercial borrowers, business owners and property investors. 50+ lenders. Expert-level policy knowledge. Rate, structure and lender fit — weighed together, not picked one at a time.
"Even finance professionals come to us when the outcome matters."— Virginia Graham Riches, Founding Partner & Former ANZ Interest Rate Dealer
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 has a genuine role in preparation — modelling cashflow, sanity-checking scenarios, asking sharper questions. We use it ourselves and we're happy to show you how. The credit work that follows — knowing which lender suits your situation this week, where the rate negotiation window sits, and how to structure the deal so it settles — is what we do for you.
After 20 years working with medical professionals, commercial borrowers, self-employed business owners and property investors, 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 have moved the goalposts for investors. Negative gearing limits on established property from July 2027, the CGT discount being reworked, and APRA's tighter investor borrowing rules from February have changed how investment lending needs to be planned. We've been working through grandfathering, timing and structure with our clients and their accountants since Budget night — there's a clear path through it for your circumstances.
The complex deals are what we do. Childcare centre acquisitions, equipment and asset finance, and medical professional structures across home, rooms and equipment — most brokers won't touch them. We've done this work since 2004 and it's where we add the most value.
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.
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.
Explore →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.
Explore →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.
Explore →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.
Explore →Income assessed the way self-employed borrowers are actually structured. Addbacks, business financials, and company lending done properly.
Explore →First home buyers, upsizers, and refinancers. We handle straightforward and complex deals with the same attention to structure and timing.
Explore →For existing clients and referred introductions — your broker can be reached directly on the numbers below.
Specialising in complex and self-employed lending. Over 20 years building long-term client relationships across Australia and with expats overseas.
0418 204 304
Methodical, calm, and known for getting the details right. Trusted by clients navigating complex purchases and structured investment decisions.
0413 434 693
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
Technical lending expert trusted by first-time buyers and professionals alike. Known for working through lending challenges that others consider difficult.
0403 522 961Direct 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."
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.
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.