About Model Mortgages
& the Knowledge Base
Model Mortgages Pty Ltd is the business behind Finance on the Coast and the holder of its Australian Credit Licence.
In addition to overseeing lending standards and compliance, Model Mortgages publishes the Model Mortgages Knowledge Base — a structured reference explaining how Australian lending decisions are assessed in practice.
The Model Mortgages Knowledge Base
The Model Mortgages Knowledge Base exists to document the rules, judgement calls, and structural considerations that influence lending outcomes.
It explains why borrowers with similar profiles can receive different results, and how decisions are shaped by factors such as policy interpretation, risk treatment, income assessment, security considerations, transaction timing, and ownership or debt structure.
These factors are rarely visible in simplified examples, online calculators, or surface-level lending guides.
The material published is general and educational in nature. It does not provide personal advice and does not replace a full assessment of individual circumstances.
Purpose of this site
To provide clear, experience-based explanations of how lending decisions are made behind the scenes, before a borrower is required to engage with a broker.
About the Author
The Model Mortgages Knowledge Base is authored by Virginia Graham, a long-time participant in the Australian lending system and author of Flirting with Finance.
Through her writing and media work, Virginia explores how lending fits within the broader financial and economic framework, and how loans interact with wealth, risk, and long-term outcomes.
She is also the host of Property & Mortgage Insights Australia, where she speaks with property, finance, and business professionals about real-world lending scenarios, edge cases, and the questions borrowers often don’t realise they may need to ask.
Model Mortgages translates this experience and context into clear explanations of how lending decisions are assessed in practice.
Context and Experience
The Model Mortgages Knowledge Base is informed by long-term participation in the Australian lending system, including consumer education, published work, and discussions with industry professionals across property, finance, and business.
