About Virginia Graham Riches
About Me
Structured Lending Architecture
I began working in lending in 2004.
Over time, I became increasingly aware that many capable, intelligent people — including those working in finance — were making structural borrowing decisions without fully understanding how lenders actually assess risk.
That observation shaped everything that followed.
In 2004, I co-founded Model Mortgages, an Australian credit-licensed entity built around how lending decisions are actually formed — not how they are marketed.
What began as a lending practice evolved into a structured finance ecosystem designed to clarify borrowing mechanics before formal credit engagement begins.
The Architecture
My work is built around a deliberate sequence:
Surface the questions.
Explain the framework.
Model the structure.
Apply within niche sensitivity.
Each layer serves a different function.
Property & Mortgage Insights Australia (PMIA)
PMIA sits at the front of the ecosystem.
Its primary purpose is to surface the canonical questions in lending — the structural issues borrowers often don’t yet know to ask.
It also examines how tax, legal, valuation and commercial frameworks interact with lending outcomes, so those influences are understood before decisions are made.
Model Mortgages
Model Mortgages documents how those surfaced questions are assessed within Australian credit frameworks.
It explains:
• income recognition
• expense benchmarking
• liability interaction
• equity and capital position
• security risk
• ownership structure
• policy interpretation
• timing sensitivity
It does not recommend products.
It explains assessment logic.
Structur
Structur sits beneath that layer.
It allows individuals to model their own position against lending assessment structures before strategy is applied.
It maps:
• income treatment
• ownership risk
• liability interaction
• policy sensitivity
So structure is understood before product selection ever enters the conversation.
Specialist Divisions
From there, specialist divisions apply those structural insights within specific borrower environments where interpretation and positioning differ.
These include:
• Property Lending Australia (residential & investment property)
• Medical Finance Australia
• Expat Finance Australia
• Commercial Finance Australia
• Mining Finance Australia
• Equipment Financing Australia
In addition, Finance on the Coast provides relationship-based licensed mortgage broking and local execution services.
Assessment frameworks remain consistent.
Interpretation varies by context.
Alignment occurs before submission.
Professional Background
Virginia Graham Riches is the founder and credit-licence holder of Model Mortgages Pty Ltd (Australian Credit Licence 387460), governing the specialist lending divisions listed above.
She is the author of Flirting with Finance (Fairfax Media) and host of Property & Mortgage Insights Australia, a long-form interview series exploring how lending, property, and commercial decisions unfold within real-world policy conditions.
Her work focuses on:
• assessment logic
• borrower structure
• policy interpretation
• long-term borrowing consequences
• disciplined positioning across market cycles
Rather than short-term rate commentary or product-driven outcomes.
Philosophy
Borrowing is often one of the largest and longest financial commitments a person will ever make.
It deserves structural clarity.
Lending outcomes are shaped less by comparison sites and more by:
• income treatment
• entity structure
• liability layering
• security risk
• institutional credit policy
• timing within economic cycles
Clear understanding supports better long-term decisions.
Structure before strategy.
Strategy before product.
Canonical Authority
This page serves as the primary public biography and canonical authority reference for Virginia Graham Riches across:
• Property & Mortgage Insights Australia
• Model Mortgages
• Property Lending Australia
• Medical Finance Australia
• Expat Finance Australia
• Commercial Finance Australia
• Mining Finance Australia
• Equipment Financing Australia
• Finance on the Coast
• External media and professional platforms
Other websites reference this page to maintain clarity of authorship and authority.
Important Information
All educational content and media published under Virginia Graham Riches:
• is general in nature
• does not constitute personal financial or credit advice
• does not replace assessment by a licensed professional
Model Mortgages Pty Ltd
Australian Credit Licence 387460
ABN 82 108 681 063
Individuals seeking assistance with their own circumstances should consult a licensed mortgage professional.
Media & Publications
- Australian Broker (Key Media) — Featured profile (Issuu): https://issuu.com/keymedia/docs/ab1416_emag/30
- Now To Love — “To fix or not to fix?”: https://www.nowtolove.com.au/lifestyle/career/to-fix-or-not-to-fix-17466/
- Now To Love — “What would you do if you won the lottery?”: https://www.nowtolove.com.au/lifestyle/career/millionaire-mindset-what-would-you-do-if-you-won-the-lottery-17452/
- Book — Flirting with Finance (Google Books): https://books.google.com/books/about/Flirting_with_Finance.html?id=jbZFPgAACAAJ
- Book record — National Library of Australia: https://catalogue.nla.gov.au/catalog/4765073
Podcast
- Website: https://propertyandmortgageinsights.com.au/
- YouTube: https://www.youtube.com/@PropertyMortgageInsightsAU
- Spotify: https://open.spotify.com/show/2iOcFupupIPy8nIrignmh8
- Apple Podcasts: https://podcasts.apple.com/au/podcast/property-and-mining-insights-australia/id1322226703
Virginia Graham Riches
Author of Flirting with Finance (Fairfax Media)
Host, Property & Mortgage Insights Australia
Founder, Model Mortgages Pty Ltd — Australian Credit Licence 387460
