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Phil Riches

Mortgage & Finance Specialist

Expert guidance. Tailored finance solutions. Trusted results.

📍 Based in Sydney, NSW and QLD

Supporting clients across Australia

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✅ Phil’s Areas of Expertise

✅ First Home Buyers – From the first chat to final approval

✅ Home Upgrades & Family Loans – Lending solutions for growing families

✅ Property Investors – Expert guidance on growing your portfolio

✅ Refinancing – Save on repayments or unlock equity

✅ Self-Employed Lending – Smarter solutions when income is variable

✅ SMSF Loans – Specialised lending for self-managed super

✅ Medico Finance – Tailored options for medical professionals

About Phil

“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 banking and broking, Phil Riches is known for securing not just any loan—but the right loan.

He specialises in complex lending, from investment property strategies and SMSF loans to high-income professionalsand self-employed borrowers who don’t always fit inside a box.

After a successful career at Westpac covering residential, investment, and commercial finance, Phil joined his wife and business partner Virginia Graham in 2010 to grow their boutique mortgage business. Together, they built a trusted network of referral partners and secured their own Australian Credit Licence—a milestone that allowed them full independence and flexibility to put clients first.

Today, Phil leads the award-winning team at Finance on the Coast, offering a rare combination of strategic advice, fast execution, and ongoing support long after settlement.