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Mortgage Broker

Who Understands

Your Situation

Home buyers, investors and self-employed borrowers across Australia.


If you’ve already done some research and want to understand how lending applies to you, we can help.

               Book a Conversation                
         Tell us about your situation          

Why Work With a Broker?

Lending outcomes can vary significantly depending on how income, expenses and structure are assessed.

Working with a broker means:

  • Access to multiple lenders, not just one
  • Understanding how policy applies in practice
  • Structuring applications to suit your situation
  • Guidance through changing conditions and requirements


Who We Help

We work with people at different stages of buying, investing or refinancing, including those with self-employed or more complex income.

  • First home buyers
  • Property investors
  • Self-employed and business owners
  • Professionals and families
  • Borrowers navigating change

How the Process Works

Initial conversation.

We understand your situation and what you’re trying to achieve.

Assessment & options.

We assess how lenders are likely to view your circumstances.

Application & settlement.

We manage the process through to approval and settlement.

Broker Profiles

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Phil Riches

                            Call Phil on 0418 204 304                    

CEO & Lead Mortgage Broker — specialising in complex and self-employed lending.

Existing clients or referred introductions can call Phil directly on 0418 204 304.


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Julianne Zammit

                         Call Julianne on 0431 922 899                      

Senior Broker – known for precision with first home buyers and complex lending scenarios.

Existing clients or referred introductions can call Julianne directly on 0431 922 899..

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Jason Wilkinson

                           Call Jason on 0413 434 693                   

Senior Broker – methodical, calm, and known for getting the details right.

Existing clients or referred introductions can call Jason directly on 0413 434 693..


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Ian Hughes

                        Call Ian on 0403 522 961                       

Senior Broker – technical lending expert trusted by first-time buyers and professionals.

Existing clients or referred introductions can call Ian directly on 0403 522 961.


Client Testimonials

Tani Yuki

“My refinance went so smoothly, I was even traveling for work through a lot of the loan process and it didn’t slow things down. They were helpful, communicative and made everything so easy – Highly recommend, thank you!!!”


Rhys & Liz Blackburn


"You got us through some major hurdles for our first property. They had the connections at the bank to get our application through in record time, and secured us a low interest rate.We have recommended them to several friends. We went through you for a second house two years after the first one, and will stick with them for all our mortgage matters." 

Dr Candice Jensen


"As a busy mother and doctor it was great knowing everything was taken care of in a quick and professional manner!"

Want More Context Before You Talk?

Our team and industry partners discuss lending, property and finance decisions on the Property & Mortgage Australia podcast.

Listen to the podcast →

Ready to Talk?


If you’d like to discuss how lending applies to your situation, book a conversation with one of our licensed brokers.

                            Book a Conversation                       


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