About Model Mortgages
Smarter lending for intelligent people who don’t have time to get it wrong.
Founded by Virginia Graham — former fashion model, finance grad, and author of Flirting with Finance (Fairfax) — Model Mortgages helps professionals, families, and investors make sharp, strategic lending decisions that hold up for years.
We don’t do hype. We do structure, insight, and results that last.
🔹 Since 2004 | Licensed & Trusted | Host of The Intelligent Property Investor
✅The Full Story..
Model Mortgages was built on a simple idea: what would an intelligent investor do?
Many of our clients work in finance, law, medicine, fashion, or business. They’re smart, capable, and well-informed — but they’re busy. They don’t have time to obsess over every detail, but they know when something’s important. And they trust us to stay at the cutting edge, structure things properly, and get it right.
What began as a boutique brokerage in Bondi Junction has grown into the brand behind some of Australia’s most respected mortgage and finance platforms — including Finance on the Coast and Property Podcast Connect.
We’re not just securing loans — we’re helping shape the decisions that shape people’s futures.
👩💼 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 — a book she successfully pitched and had published by Fairfax to help intelligent people reconnect with money, minus the jargon and overwhelm.
After a career in fashion, media, and treasury — and with a finance degree already behind her — Virginia launched Model Mortgages under her own Australian Credit Licence to offer a smarter, more strategic alternative to the traditional lending experience.
She’s also the host of The Intelligent Property Investor podcast — where she interviews experts across property, finance, and business about what smart decisions really look like.
Virginia is known for her calm, strategic approach — especially when things are complex, fast-moving, or high-stakes. Many of her clients only realise years later how much those early decisions changed their trajectory.
✅ Our Philosophy / What We Believe
What We Stand For
✔ We stay across the latest lending policies, credit strategies, and tools — because intelligent advice depends on current knowledge
✔ We work with clients who value structure, think independently, and want to make informed decisions
✔ We believe great lending decisions create freedom, stability, and opportunity — now and into the future
✔ We take care of the detail so our clients can stay focused on what matters most
✔ We support intelligent people however we can — sharing what we know, not gatekeeping it, and giving open access to trusted contacts and resources
✅ What Makes Us Different
🔍 Smarter Tools + Real Strategy
We use automation and AI to reduce admin and increase accuracy — while focusing on what matters most: getting the structure right.
💬 Real Conversations
We speak clearly, answer honestly, and know when to pick up the phone.
⚡ Trusted by People Who Could Do It Themselves — But Choose Not To
Our clients are sharp. But they know the value of working with someone who lives and breathes finance — and who gets it right the first time.
🏡 Lending That Actually Lasts
We help structure loans that continue to work — five, ten, fifteen years from now. The decisions we make together today will still matter later.
✅ 🎙️ Podcast & Media Features
Virginia is the host of The Intelligent Property Investor podcast, available on YouTube, Spotify, and Apple Podcasts.
She also founded Property Podcast Connect — a platform offering direct, ungated access to trusted finance and property professionals through short, watchable clips and real conversations.
📌 Media enquiries and interviews available on request.
Media Features
