I'm Ryan Somes, founder of Lending on Coastal and a mortgage broker based in the Redlands. I help homeowners and property investors structure their lending in a way that keeps their options open.
Before moving into broking, I spent years in the Royal Australian Navy as a Marine Technician on submarines, an environment where process, precision, and getting the sequence right isn't optional. After leaving the Navy, I spent nine years as an Operations Manager running a car rental business that grew to a fleet of over 100 vehicles and a team of more than ten people. That role taught me how to think about cash flow, asset management, and the financial decisions that come with building and running something at scale.
That background shapes how I approach lending. I'm not focused on finding the lowest rate and moving on. I'm focused on how a loan is structured today and whether it creates problems, or creates options, further down the track.
I work with clients across the Redlands and broader Southeast Queensland, and I specialise in three areas where structure genuinely matters: home upgraders navigating the transition between properties, property investors building and managing a portfolio, and clients purchasing property through a self-managed super fund.
If you're making a property decision that involves more than one moving part, I'm the broker you want thinking through the lending side of it with you.
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Jamie-Lee Campbell
We had an excellent experience working with Ryan. He was approachable, friendly and professional throughout the entire process. His communication was clear and consistent, ensuring we always understood each step of the process. We never felt that we had to be the ones following up on anything. Ryan was very responsive and handled any questions we had, explaining everything in a timely manner, which made the experience smooth and stress-free for us, having a busy family schedule. We would highly recommend Ryan to anyone looking for a knowledgeable and reliable mortgage broker.
C.B.R Commercial Body Repairs
Very happy with the service we received. Will definitely use again.
Mitchell Birt
"I’ve known Ryan for a long time, and I can say without a doubt that he is the most hardworking and honest man I know. It’s rare to find someone who combines this level of integrity with such a relentless work ethic. When it comes to mortgage broking, you want someone who actually cares about your future, and that’s exactly what you get with Ryan. As a family man himself, he has a natural ability to relate to his clients and understand their goals. He has a real talent for taking a complex, stressful process and making it feel simple and manageable. If you want a broker who treats your loan like it’s his own and genuinely goes to bat for you, look no further. I couldn’t recommend Ryan and Lending on Coastal highly enough!"
Danielle Nott
Ryan was exceptional from the start to the end of the whole process when we required a loan for our SMSF in a tight timeframe. He went above and beyond with his communication, updates, suggestions and overall customer service. He was attentive, paid high attention to detail and strategy, and was friendly and professional. I highly recommend Ryan to anyone who is looking for a mortgage broker
Paul Ryan
Very professional business and easy to deal with providing the latest advice.
Josh Sievwright
Incredible service from Ryan - very knowledgeable and was super helpful throughout the whole process. I’ll definitely be telling friends and family about him
Areas Serviced
Specialties
Home Upgraders and Bridging Finance
Property Investors and Portfolio Lending
SMSF Property Loans
Refinancing and Loan Restructuring for Investors
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