Referral Partnership

The broker your clients deserve to be referred to

Finance on the Coast has built long-term referral relationships with accounting firms across Australia. We treat your clients the way you would — with expertise, discretion, and a genuine focus on the right outcome.

Why accounting firms refer their clients to us

Finance on the Coast has been building referral relationships with accounting firms since the early days of the business. Phil Riches specifically cites trusted accountant relationships as one of the foundations of the firm's growth over two decades.

The reason is straightforward: accountants refer clients to us because we don't let them down. We're technically capable, we communicate well, we don't oversell, and we focus on the right outcome — not the easiest one. That reflects well on the firm that referred them.

We understand business structures, trust accounts, company income, and the complexity that comes with small business ownership and self-employment. This makes us the right choice for the majority of your clients who have anything beyond a straightforward PAYG income profile.

What we do well for your clients

  • Self-employed lending with company and trust structures
  • Loans for clients with complex or variable income
  • Investment property finance and portfolio structuring
  • Expat and non-resident lending
  • Medical professional loans (no LMI to 90% LVR)
  • Commercial property and business finance
  • Scenarios where previous applications have been declined

How the referral works

  • You introduce your client to us directly or provide them our contact details
  • We contact them within 1 business day
  • We keep you informed of progress as appropriate
  • Your client receives the same level of care and expertise that reflects your own standards
  • No pressure. No overselling. The right advice, always.

Talk to Phil directly

Phil Riches manages our accountant referral relationships personally. If you're considering sending clients our way, a short introductory call is the best place to start.

Call Phil — 0418 204 304 Send an Email

What makes a good referral relationship?

Expertise you can trust

We hold our own Australian Credit Licence and have been in specialist lending since 2004. Your clients get a properly-credentialled broker, not generic product pushing. (Licence number is shown in the page footer.)

Clear communication

We keep referral partners informed, and we make sure your client knows where they're at throughout the process.

Reflects well on you

A good referral means your client leaves the experience thinking better of the person who sent them. That's what we aim for.

No conflicts

We don't provide financial planning, accounting, or tax advice. We stay in our lane, which means no conflicts with what you do.

Ready to talk to a specialist broker?

No obligation. No generic advice. Just a proper conversation about your situation.