About The New Process

How It Works 2016

Your new process  in 2016 is to chat briefly with one of our brokers over your situation, then fill in our online application link and upload your supporting documents, then meet up with our broker for tea or coffee, with the required documents to sight. As most of the paperwork and process is done over the phone and email, the meet up is very much faster than otherwise. You can get on with buying your property and running your business or career.


About Model Mortgages

Model Mortgages was founded in 2004 in Sydney’s Eastern Suburbs. We are genuine experts in finance, with Commercial and Residential lending experience gained at major banks and non bank lenders. Our previous experience working in Financial Planning, Accounting and Stockbroking practices also gives us a broad understanding of the short & long term financial needs of our clients.

More recently in 2016 we’ve completely reinvented our processes and improved our technology to create a faster, friendlier process that, so far, our existing clients are loving. Being able to apply on your iphone, including uploading documents. Leaving meeting up for coffee or tea to complete identification requirements, a quick process as we’ve done so much already online. Also as our small team of brokers are highly experienced thus allowing us access to some lenders top broker streams which allows us rapid response and approval times in some circumstances.

 Some Of Our Brokers..


Vrginia Graham Mortgage Broker

Virginia Graham

Virginia Graham manages loans for Model Mortgages, and is a qualified financial planner. She is regularly consulted by the Austereo MMM radio network on interest rates and has appeared on Channel Seven news and current affairs programs as well as more recently the Ch 9 Today show. Virginia previously worked for ANZ Bank’s Treasury department as an interest rate dealer and for stockbroking firm Salomon Smith Barney. She has a bachelor of commerce majoring in finance, banking and business economics. Earlier in her career, Virginia was a fashion model in New York, and has appeared on the cover of several fashion magazines, including Australian Vogue. She recently wrote a book Flirting With Finance and is a regular contributor to Woman’s weekly online and most recently hosted a series of finance videos for the Sydney Morning Herald and the Age.


Phil Riches Mortgage Broker

Phil Riches

Phil manages Business Development for Model Mortgages. Phil has 10 years Commercial and Residential lending experience, most recently employed as a Senior Business Development Manager within Commercial Banking at Westpac Banking Corporation. He has an extensive background forging long term partnerships with Accounting and Financial Planning practices; providing economic overviews, discussing Accounting best practices and common issues as well as assisting their business and consumer clients with their often complex lending requirements. Previously he was a financial planner in the UK where he also managed a sales team. He holds financial planning and accounting qualifications from the UK.