Whether you need a new

Home Loan, Investment

loan or Commercial loan – we can help.

You’re a smart savvy professional business person, while your loans might not always be straight forward; your loans structures can be. And at great rates too.

Let our expert brokers trained in reading financials and understanding complex circumstances liase between the lenders and you. Our advanced technology makes our expert brokers able to help you extremely quickly. Our whole process is designed around you and your existing systems to make getting your loans faster, easier, and better.

Multi Property Small Business Owner

Mr and Mrs Jones* had multiple properties and had bought a property off the plan and then Mr Jones was relocated overseas for work. His big 4 bank here in Australia had given him a pre approval but when it came time to complete the new purchase, the lender no longer wished to fund Mr Jones as their bank lending to expats policies had changed in the interim between when he had entered into the contract and when it came time to take possession of the property…Read More >

*Jones names have been changed to protect privacy

Medical Professional Doctor

We had a Doctor Smith* who had a company, a trust, and multiple other structures in place. He wanted to buy his surgery using his super. No lender he had been to was able to understand his circumstances, of how his structures worked and he was worried all the legal and accounting advice he had paid for would be undone accidentally by lenders who didn’t understand how they worked. Read More >

*Smith is not his real name

IT Professional

Our client Mr Morgan*, was an up and coming successful IT professional who recently moved from being an employee with a company to a contractor. He also has spent some time off travelling last year and so had multiple intervals in his work and had not saved mush of a deposit but urgently wanted to buy a property as he wanted to marry his girlfriend and have somewhere to live together. Read More >

*Not his real name

It’s Not Faith

In Technology.

It’s Faith

In People.

STEVE JOBS

We’re FinanceOnTheCoast, an innovative mortgage broking and finance broking company covering Australia, the beaches- both the Northern Beaches and also especially the Central Coast . We pride ourselves on developing unique and professional solutions with loan structures. Our technology is amazing but our people are even more amazing. Take a look around and don’t be shy.

What we can help you achieve

Home & Investment & Commercial loans | Save Money | Save Time | Simplify Your Life.

Target Audience

  • Small-Medium Businesses
  • Freelance Workers
  • Professionals
  • Doctors 
  • Top 100 ASX companies employees

Our Specialties

  • Home Loans
  • Investment Loans
  • Commercial Loans
  • SMSF Loans
  • Personal Loans

Notable Awards

  • Top Customer Support
  • Most Liked Company
  • Best In Class 2017
  • Friendliest Group
  • Innovative Brand

Featured On

  • The Today Show
  • Sunrise
  • news.com.au
  • ninemsn.com
  • Australian Woman’s Weekly Online

Meet Our Team

Our secret to our customer’s success is our awesome broker team. A pleasure to work with and extremely experienced, all have lending contacts and have  previously worked at banks.

Virginia Graham

Senior Mortgage Broker

Virginia Graham is Founder & Director of Model Mortgages Pty Ltd, and is a qualified financial planner. She is regularly consulted by the Austereo MMM radio network on interest rates and has appeared on Channel Seven news and current affairs programs as well as more recently the Ch 9 Today show. Virginia previously worked for ANZ Bank’s Treasury department as an interest rate dealer and for stockbroking firm Salomon Smith Barney. She has a bachelor of commerce majoring in finance, banking and business economics.

Recently after noticing that technology had seemingly not progressed within the banking & finance industry at the rate of other industries and feeling we might be left behind, Virginia decided to build her own online loan processing system & document upload platform. Thus we created our new online system.

Phil Riches

CEO

Phil is CEO & Director of Model Mortgages Pty Ltd. Phil has 16 years Commercial and Residential lending experience, currently as a licensed Finance Broker, with relevant background in various roles with major bank and non bank lenders. He has extensive experience forging long term high level partnerships with Accounting and Financial Planning practices.

Phil wanted to help his busy professional customers and referral partners through what can often be a ‘clunky’ loan application process. “Our system was borne from the ethos of helping our professional customers, and by uncovering what genuinely serves our customer best also saves us many hours on administrative tasks. We now have amazing systems that were built to serve the customer yet coincidentally save the broker a lot of time.”

Ian Hughes

Senior Broker

Ian has more than 26 years of banking experience, specifically working in the commercial and residential lending sector for over 22 years.
Having worked as a Senior Relationship Manager within St George Commercial & Business Bank for more than 12 years, he is acutely service and relationship driven, and quick to understand our client’s needs, providing working solutions with our range of financiers.
Ian prides himself on his ability to establish trusted relationships with our clients, our funders, and his professional network.
Ian has extensive and relevant industry experience within the financial planning, accounting, legal and and self managed super fund industries, and previously worked in London for a major UK bank.

Jason Wilkinson

Senior Broker

Jason has worked as a top banker at westpac and also at smaller lenders.

Call Us On 0413124262

Call Phil on 0418204304 Call Ian on 0403522961 Call Jason on 0413434693

 

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Chat To Us

To chat to us Simply Press the chat button on the bottom right hand side of your screen.

Email Us Anytime

phil at financeonthecoast.com.au, ian at financeonthecoast.com.au, jason at financeonthecoast.com.au