What is central coast mortgage broker?

A local division of Model Mortgages & youhomeloans. We provide money for home and business loans. Our top finance credit experts and technology make it much faster and easier for professionals to get their home and business loans approved. We also have access to professional policies and discounts not available to most lenders. The systems as we developed help our customers get their loans approved faster and more easily-leverages our expert's credit knowledge earlier in the application process than previously possible; in a time when credit approval has generally become more difficult. 


Our Founders: Virginia & Phil

central coast mortgage broker Phil Riches


Senior Broker, Founder & CEO 


Phil is CEO & Director of Central Coast Mortgage Broker and 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. We now have amazing systems that were built to serve the customer -we also introduce our highly skilled credit experts uniquely earlier in the process . We also have almost frictionless video chat to further enhance our professional offering and more importantly- happier professional customers”   

central coast mortgage broker virginia graham


Senior Broker & Founder


Virginia Graham is Founder & Director of Central Coast Mortgage Broker a local division of Model Mortgages Pty Ltd as well as Model Mortgages Pty Ltd, and is a qualified financial planner. She is consulted by the Austereo MMM radio network on interest rates and has appeared on Channel Seven news and current affairs programs as well as the Channel 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. A year ago, 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. We also introduced our credit experts earlier in our application process. Thus we created our new online system for you our excellent professional customers . .. Youhomeloans!


Why Use Us As Your Broker? 

How are we different from other brokers?


We developed our own technology to speed up the loan process making the whole process easier for our customers ( we have a separate technology company that developed this)We have four extremely experienced brokers- highly skilled in credit. Each with a banking background and ten years lending experience trained in using our secure rapid technology. We have cloud based systems with bank grade security. So our brokers are genuinely mobile and can work from anywhere. We all choose to live on the central coast and service the central coast primarily and also surrounding areas including northern Sydney and up to Newcastle.


 How are we different from banks?

Our brokers are only experienced and stay in lending with a much larger variety of loan structures and products able to be written than one bank. Our loan process for our customers are much easier than at a bank due to the skill level of our brokers and the unique customer focused systems we have developed.


 Why use us as your broker?

 Our lenders are genuinely technically excellent and our systems are purpose built to give you a better experience..