Model Mortgages was built on a simple idea: what would an intelligent investor do?
Founded by Virginia Graham — a former ‘90s fashion model who transitioned into the world of finance as a licensed mortgage broker, author, and host of The Intelligent Property Investor podcast — we’ve been helping Australians make smarter finance decisions since 2004.
Many of our clients work in finance, law, medicine, fashion, or business. They’re smart, capable, and well-informed — but even they are often surprised by just how much the right loan structure can shape what’s possible in the years ahead.
We don’t just secure finance. We help people make pivotal decisions — the kind that seem small at the time, but turn out to be sliding doors moments. Years later, clients often tell us they hadn’t realised how much that one strategic move would influence the path their life or portfolio would take.
✨ About Model Mortgages
From the runway to the real world of finance.
Created for smart people who didn’t have time for finance — but just wanted it done right.
Virginia Graham launched Model Mortgages in Bondi Junction after a career in fashion, media, and treasury — with a finance degree already behind her.
She later completed financial planning studies solely to meet the compliance requirements to publish her book, Flirting with Finance — which she successfully pitched and had published by Fairfax. The book was written for intelligent people who had tuned out from money, not out of disinterest, but because they were too busy building their careers, families, or businesses to deal with the jargon and overwhelm.
That’s how Model Mortgages began — by stepping in for smart people who trusted Virginia to handle what they couldn’t prioritise. And years later, they’d look back and realise just how much those early decisions had shaped their financial future.
At the heart of it all is Finance on the Coast — our flagship brokerage and the driving force behind so many of these outcomes.
Our brokers are technically excellent, highly experienced, and known for structuring complex loans with clarity and care. They’re the people our clients trust when it really counts.
Property Podcast Connect complements this by offering direct, ungated access to our trusted network of professionals. Through short, watchable clips and full podcast interviews, users can quickly connect with industry experts — gaining insights that help them make smarter, more informed decisions.
🧩 Our Group Brands
Smarter pathways for property and business finance.
🔹 Model Mortgages
Licensed, experienced, and built on trust since 2004.
🔹 Finance on the Coast
Elite broker network. AI-powered match system. Lending done better.
🔹 YouHomeLoans
A digital-first home loan experience for first home buyers and tech-savvy borrowers.
🔹 YouBusinessLoans
Fast, flexible finance solutions for commercial, equipment, and business needs.
🔹 Property Podcast Connect
👩💼 About Virginia Graham
Founder, Author & Podcast Host
Virginia Graham is the founder of Model Mortgages, co-founder of Finance on the Coast, and author of Flirting with Finance (published by Fairfax). She also hosts The Intelligent Property Investor podcast — available on YouTube, Spotify, and Apple Podcasts.
Virginia helps professionals approach lending in a smarter, more strategic way — making complex situations easier to navigate and delivering insights that align with how they think. She combines experience, structure, and practical solutions to simplify the process and support great outcomes.
Her work — from broking to podcasting — is built on transparency, education, and technology that empowers people with better tools and knowledge.
Media features and interviews available on request.
Media Features
