Phil Riches, CEO & Director of FinanceOnTheCoast and Model Mortgages Pty Ltd, is a highly respected mortgage broker known for his exceptional credit knowledge and dedication to achieving outstanding customer outcomes. With 16 years of experience in commercial and residential lending, Phil has held various roles with both major bank and non-bank lenders, bringing a wealth of expertise to his clients.

Phil has a proven track record of building long-term, high-level partnerships with accounting and financial planning practices. He understands the unique needs of busy professionals and has designed systems that streamline the often cumbersome loan application process, ensuring a smooth and efficient experience for his clients.

“Our system was created with the goal of genuinely serving our customers,” says Phil. “By improving our processes, we’ve not only saved countless hours on administrative tasks but also significantly enhanced customer satisfaction. The integration of AI has taken our efficiency to new heights, making our customers even happier.”

Phil’s commitment to his clients and his innovative approach to mortgage broking make him a trusted and valued partner for anyone navigating the complexities of financing.

Phil Riches Central Coast

Phil Riches


M: 0418 204 304

F: (02) 8003 9851




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