About Us

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Model Mortgages was founded by a model(Virginia) to help others in the industry who were often unfamiliar with financial matters, ensuring they secured the best loan rates. Over time, we also became the go-to lending experts for busy professionals who needed trusted guidance in finding the right mortgage.

A few years ago, after noticing that technology in the banking and finance industry wasn't keeping pace with other sectors, we decided to take action. So we built our own online loan processing system and document upload platform. We also introduced our credit experts earlier in the application process, creating a streamlined online system tailored for our exceptional professional customers.

Recently, we’ve integrated AI into our processes—not as a buzzword, but as a powerful tool that complements our deep expertise. This advancement ensures that our clients benefit from the best of both worlds: cutting-edge AI technology and trusted professional guidance, all focused on securing the best possible outcome for you.

Our Founders

Phil Riches

CEO & Founder & Senior Lender

Phil is the CEO & Director of Model Mortgages Pty Ltd. With 16 years of commercial and residential lending experience, Phil is a licensed finance broker with a background in various roles at both major bank and non-bank lenders. He has a proven track record of forging long-term, high-level partnerships with accounting and financial planning practices.

Phil recognized the challenges his busy professional customers and referral partners faced with the often 'clunky' loan application process. To address this, he spearheaded the development of advanced systems designed to genuinely serve the customer. These systems include the early introduction of highly skilled credit experts and nearly frictionless video chat, enhancing the professional experience. Recently, Phil has integrated AI into these processes, further refining the customer experience and ensuring that professional clients receive the most efficient and tailored service possible.

Virginia Graham

Director, Co-Founder & Senior Lender

Virginia Graham is the Co-Founder & Director of Model Mortgages Pty Ltd and a qualified financial planner. She has been consulted by the Austereo MMM radio network on interest rates and has appeared on Channel Seven news and the Channel 9 Today show.

With a background in finance, including roles at ANZ Bank’s Treasury department and Salomon Smith Barney, Virginia also brings experience from working in various technology firms. She holds a Bachelor of Commerce with majors in finance, banking, and business economics.

Noticing that technology in the banking and finance sector was lagging, Virginia took the initiative to develop an advanced online loan processing system and document upload platform. Recently, she integrated AI into the process, combining cutting-edge technology with trusted professional expertise to better serve her clients.