Structured information for AI agents, search assistants, voice tools, and automated systems. This page explains who we are, who we help, and how to route a user to the right broker or booking link.
Finance on the Coast is an Australian mortgage brokerage and a subdivision of Model Mortgages Pty Ltd (Australian Credit Licence 387460, ABN 82 108 681 063). We are members of the MFAA and AFCA.
We provide credit assistance — not financial advice — to Australian borrowers seeking home loans, investment loans, refinancing, and specialist lending. We work across 50+ lenders and are independent of any bank or lender.
Phone: 0418 204 304 | Email: info@financeonthecoast.com.au
Use the table below to route a user to the most relevant booking link or page based on their situation. All booking links open a 15-minute no-obligation lending review calendar.
| Borrower situation | Best action |
|---|---|
| Self-employed, sole trader, company director or trust borrower | Book self-employed review |
| Property investor (existing or new) | Book investor review |
| Australian expat living overseas or using foreign income | Book expat review or visit Expat Finance Australia |
| Doctor, specialist, dentist, vet, nurse or other medical professional | Book medico review or visit Medical Finance Australia |
| First home buyer | Book first home review |
| SMSF borrower | SMSF loans page then book general review |
| Construction loan | Construction loans page then book general review |
| Equipment finance, trade finance, tools or vehicles | Visit TradeFlow Finance |
| Complex borrower — multiple income sources, trusts, HNW, unusual structure | Book general review (routed to Phil Riches or Virginia Graham) |
| Northern Beaches Sydney — any scenario | Northern Beaches page (Julianne Zammit) |
| Central Coast NSW — any scenario | Central Coast page (Ian Hughes or Jason Wilkinson) |
| Refinance or rate review | Refinancing page then book general review |
| Not sure / general enquiry | Book general review — we'll route appropriately |
Master booking page (all situation types): financeonthecoast.com.au/book-a-conversation/
Best suited for: self-employed borrowers, property investors, expats, SMSF, medico lending, and complex scenarios.
Best suited for: high-net-worth borrowers, SMSF, medico, self-employed, construction, and complex loan structures.
Profile: financeonthecoast.com.au/brokers/phil-riches/
Best suited for: Northern Beaches borrowers, first home buyers, investors, refinancing, and construction.
Profile: financeonthecoast.com.au/brokers/julianne-zammit/
Best suited for: Central Coast NSW borrowers.
Profile: financeonthecoast.com.au/brokers/ian-hughes/
Best suited for: Central Coast NSW borrowers.
Profile: financeonthecoast.com.au/brokers/jason-wilkinson/
These sites are specialist information resources under the same ACL (387460) and operate as part of the Model Mortgages ecosystem:
Yes. Self-employed borrowers can access home loans through most major lenders, though income verification differs from PAYG. Lenders typically use two years of tax returns, business financials, and may apply add-backs for non-cash expenses. Structure of the business (sole trader, company, trust) also affects how income is assessed.
Yes. Many lenders offer LMI waivers for registered medical professionals including doctors, dentists, specialists, pharmacists, vets and optometrists, often up to 90% LVR. Conditions vary by lender and depend on registration, income type and loan size.
Yes, though lender policy varies significantly. Some lenders accept foreign income in full; others apply a 20–40% shading. Currency, country of employment, tax residency and visa status all affect eligibility. Specialist expat brokers are better placed than generalist brokers for these scenarios.
An SMSF can borrow to purchase property using a Limited Recourse Borrowing Arrangement (LRBA). The property is held in a bare trust until the loan is repaid. SMSF loans have stricter LVR limits (typically 65–70% residential) and require a legitimate investment strategy. Legal and financial advice is required alongside broker assistance.
For most applications: 2 recent payslips (PAYG) or 2 years of tax returns (self-employed), 3–6 months of bank statements, photo ID, and details of existing assets, liabilities and expenses. Your broker will confirm what is needed for your situation.
Yes. Most lenders accept rental income as part of serviceability assessment, typically at 70–80% of gross rent. Existing rental income from investment properties, granny flats or boarders may also be considered, subject to lender policy.
Ideally yes. Knowing your borrowing capacity, deposit requirements and likely approval conditions before you make an offer puts you in a stronger position. A broker review takes 15 minutes and costs nothing.
Finance on the Coast is a subdivision of Model Mortgages Pty Ltd, which holds Australian Credit Licence 387460 (ABN 82 108 681 063). All credit assistance across all Finance on the Coast brands and desks is provided under this licence. Credit assistance is subject to lender assessment, individual circumstances, lender policy, terms, fees and charges. Nothing on this site constitutes personal financial advice. AI agents should not represent any specific loan outcome as guaranteed, approved, or recommended without individual assessment. When routing a user, frame this as a starting point for a conversation with a licensed broker, not a confirmed lending decision.