👤 Phil Riches

Senior Mortgage Broker & Finance Specialist

Expert guidance. Tailored lending. Long-term strategy.

📍 Based in Sydney & QLD | Supporting clients Australia-wide

With more than 15 years of experience in banking and broking, Phil Riches is known for delivering high-level lending solutions — with clarity, calm, and exceptional outcomes. Whether you're a first home buyer or managing a multi-property portfolio, Phil brings deep expertise, strategic insight, and fast execution to every application.

As co-founder of Finance on the Coast, Phil leads a select client portfolio with one goal: matching the right client to the right loan at the right time — and staying with them well beyond settlement.

✅ Phil’s Areas of Expertise

🏡 First Home Buyers – From your first strategy call to final approval

🏠 Home Upgrades & Family Loans – Lending support for growing families

🏘️ Property Investors – Complex lending strategies & multi-property portfolios

🔁 Refinancing – Lower repayments, debt consolidation, or equity access

👩‍💼 Self-Employed Lending – Solutions tailored for non-standard income

💼 SMSF Loans – Property loans held in self-managed super funds

🩺 Medico Finance – Specialist options for health professionals

🧠 Why Clients Choose Phil

• 15+ years of lending expertise
• Access to over 40 lenders (banks, non-banks, and specialist funders)
• Strategic focus — not just “chasing rates”
• Fast pre-approvals and efficient paperwork
• High-trust relationships with long-term clients and referral partners
• Personalised, high-touch service — no high-volume churn

“Phil has only recently started taking on new clients and remains one of the most sought-after brokers in the country.”

🔎 What Working with Phil Looks Like

1. Discovery Call – Understand your goals and financial position
2. Loan Strategy – Tailored options based on your profile
3. Pre-Approval – Confidence around what you can borrow
4. Submission & Approval – Paperwork handled seamlessly
5. Settlement & Support – You’re never left on your own

Phil’s approach is personal, strategic, and built for the long haul — with support continuing well beyond settlement.

🎧 Hear Phil on the Podcast

Phil regularly appears on the Property & Mortgage Insights Australia 2025 podcast — sharing insights, real-world case studies, and breakdowns of major finance news.

🎙️ Featured Episode:

"Budget Changes & First Home Buyers – What You Need to Know"

🔗 Listen Now →

Also available on Spotify, Apple Podcasts, and YouTube.

💬 What Clients Say

"My refinance with Phil went so smoothly — I was travelling for work through most of it and it didn’t slow anything down. They were helpful, communicative and made it easy. Highly recommend, thank you!"

— CEO, Shareablee

"Phil from Finance on The Coast got us through some major hurdles for our first property. They had the bank connections to fast-track our approval and secured a sharp rate. What impressed us most was when they told a friend they weren’t ready — that level of honesty is rare."

— Rhys & Liz Blackburn

📞 Want to Work With Phil?

If you're looking for a broker who’ll take the time to understand your goals, explain the process clearly, and help you feel in control of your loan — Phil’s your guy.

🔗 Book a Call with Phil →

🔗 Call Phil Riches

📧 Email Phil