Phil Riches
Founder & Senior Broker
Expert in Investment Loans, SMSF, Medico, FHO & Complex Lending
“Phil has only recently started taking on new clients and remains one of the most sought-after brokers in the country.”
With over 15 years in the finance industry, Phil has earned a reputation for securing not just any loan—but the right one. He specialises in investment property lending, SMSF structures, and high-complexity applications.
✅ What I Specialise In:
- First Home Buyers – Guidance from start to finish
- Home Upgrades & Family Loans – Smart finance for changing needs
- Property Investors – Expert insights to grow your portfolio
- Refinancing – Save money or unlock equity
- Self-Employed Applicants – Flexible solutions that work with your income structure
💼 Why Work With Me?
- 15+ years of experience in residential lending
- Access to 40+ lenders – banks, non-banks, and specialists
- Personalised advice – not just rates, but strategy
- Fast pre-approvals & efficient service
- Backed by the award-winning team at Finance on the Coast
🎯 My Process:
- Discovery Call – Understand your goals & financial situation
- Loan Strategy – I research the best options for you
- Pre-Approval – Get clarity on what you can borrow
- Loan Submission & Approval – I handle all the paperwork
- Settlement & Beyond – I stay with you, even after settlement, which is why I limit the number of clients I look after
⭐ Happy Clients Say:
“Phil was incredibly knowledgeable and supportive throughout our first home buying journey. Highly recommend!” – Sarah & James
“We saved over $300 a month by refinancing with Phil. The process was seamless.” – Priya D.