Eliminating your home loan and growing your investments.

It starts with a seed

Money Orchard makes complex financial decisions simple. We manage risks safely while executing the right strategies. And we’re here for you over the long term.

Great businesses are often borne from spotting a problem in the market – followed by a eureka moment. That’s what happened to Money Orchard founder Craig Richards. About 20 years ago, he was working at one of the big banks as a lending manager looking after high net-worth clients. He and a financial planner were instructed to attend client interviews together to give a ‘complete’ solution. The only problem was the advice they gave was often not in sync because the worlds of financial planning and lending were poles apart.

Money Orchard emerged from Craig’s realisation that in order to give a client the best chance at wealth creation, their solutions needed to be customised and holistically based. Today, that ethos continues to lie at the heart of what we do. We take a big-picture perspective on your life, no matter where you’re at, drawing our strategies from the diverse arms of lending, mortgage structuring and financial planning.

Ultimately, our priority is to eliminate your mortgage within 8 to 12 years. For us, debt reduction goes hand in hand with growing your real estate and managed fund portfolios in a delicate balancing act to accelerate your dreams.

With so many robust solutions at our fingertips, we believe we can offer you an excellent chance of success. For us, this means helping you achieve financial growth and just as importantly, avoiding making irreversible mistakes.

A Quality Service

To create wealth, we need to first collect a wealth of information. Your information. After coming on board with us, you’ll be asked to complete a detailed questionnaire followed by a get-to-know-you face time session. By looking at all the different aspects of your life, we’ll uncover your goals to start your plan to meeting your financial goals.

Craig Richards


Craig is the director, founder and visionary mind behind Money Orchard. When he started his business two decades ago, he was a pioneer in the field. Unlike other wealth creation specialists, he brought together lending, mortgage structuring and financial planning under one roof. Today, together with his indispensable team, Craig continues to help hundreds of clients eliminate their home mortgage within 8 to 12 years, while delivering holistic solutions for every stage of their life.

Anna Plevnarovski


As Money Orchard's accountant, Anna offers a personalised, accessible service to clients throughout the year. With a decade of industry experience, she's skilled at taking the overwhelm out of complex tax and accounting matters, particularly for business owners. Anna also heads the specialist accounting service, which manages all the intricate aspects of a client's wealth creation strategy in one spot.

Kirsty Park

Financial Planning Administration Assistant

Kirsty has an extensive background in financial planning support. She loves interacting with clients and the variety of her role at Money Orchard, from lodging investment applications to file compliance. She plays an essential part in keeping the back end of the office ticking seamlessly - while ensuring the ongoing growth of client investment portfolios.

Julie Poulsen

Mortgages Administration Assistant

Julie handles one of the most important stages of a successful mortgage - loan submissions. With an eye for detail, she makes sure every part of the multi-stage process is done just right. Julie also ensures the smooth running of the office and is the friendly face that greets clients when they visit the office.