Meet Kyoh Phillips
Mortgage Broker, Trainer & Assessor, Personal Development Coach
With a background as a Trainer and Assessor, Kyoh has spent years helping individuals build confidence, develop new skills, and work towards meaningful goals. He is also the founder of Evolve Your Life, a personal development coaching business focused on mindset, wellbeing, personal growth, and helping people create positive change in their lives.
Through his work across coaching, education, and mentoring, Kyoh developed a passion for supporting people through important life decisions. That same passion now extends into the finance industry, where he helps clients navigate the home loan process with greater clarity and confidence.
Whether someone is purchasing their first home, refinancing, investing, or simply exploring their options, Kyoh is committed to providing practical guidance, clear communication, and a supportive experience every step of the way.
At the heart of Evolve Home Loans is a simple belief: finance should feel approachable, well-informed, and focused on helping people move forward with confidence.
Our Services
30 min
30 min
30 min
30 min
30 min
Our Approach
Personalised Support
Every client is unique, and we take the time to understand your individual goals and circumstances.
Clear Communication
Straightforward guidance and honest conversations to help you feel informed every step of the way.
Practical Guidance
Helping you understand your options and navigate the home loan process with greater confidence.
Long-Term Relationships
Building genuine connections and providing ongoing support beyond settlement.
The Evolve Journey
We believe any loan process should be as clear as it is supportive. Here is how we guide you from the first conversation to long-term confidence.
01
Discovery Call
02
Practical Guidance
03
We start with a relaxed conversation to understand your goals, circumstances, and the type of finance solution you're looking for.
We provide clear, well-informed guidance on lending options, available pathways, and the key considerations relevant to your situation.
Application & Approval
We manage the process from application through to approval, helping coordinate documentation and liaising with lenders on your behalf.
04
Ongoing Support
Our relationship doesn't end at settlement. We're here to provide ongoing support as your needs and circumstances evolve over time.
What Our Clients Say
“The clarity and practical guidance we received from Evolve Home Loans made the entire home loan process feel like a conversation rather than a maze.”
Sarah J.
First Home Buyer
“Kyoh’s approachable nature and deep understanding of Western Australia’s market gave us the confidence to move forward with our investment loan.”
Michael R.
Investment Property Owner
“We found Evolve Home Loans to be a true partner in our journey. Their support was there at every step, from discovery to settlement.”
The Thompson Family
First Home Buyers