About Virginia Graham Riches


Overview


Virginia Graham Riches is an Australian mortgage professional, finance author, and media host whose work focuses on explaining how lending decisions are assessed across property, business, and asset finance.

She is the founder of Model Mortgages, the Australian Credit Licence holder behind Finance on the Coast, Equipment Financing Australia, and You Business Loans, and the creator and host of Property & Mortgage Insights Australia, a media platform exploring the mechanics of borrowing, property ownership, and credit assessment in Australia.

Her work sits at the intersection of:

  • lending policy and credit assessment
  • borrower structure and long-term financial planning
  • property ownership across life stages
  • business and equipment finance decision-making
  • the long-term relationship between borrowing and wealth

Rather than focusing on interest rates, trends, or short-term commentary, her work examines the structural and policy factors that influence lending outcomes over time.


Professional experience


Virginia has more than two decades of experience across lending, credit assessment, and financial markets. Her background includes:

  • residential and investment mortgage lending
  • complex borrower structures and non-standard income
  • self-employed and business lending scenarios
  • commercial and equipment finance
  • credit policy interpretation and lender assessment frameworks
  • property strategy across multiple market cycles

This experience informs both her educational writing and her work within Australia’s regulated credit environment.

Model Mortgages Pty Ltd (Australian Credit Licence 387460) governs lending standards, compliance, and professional conduct across the lending businesses she founded.


Writing, media, and education


Virginia is the author of Flirting with Finance, published by Fairfax Media, and her writing and commentary have appeared across national publications, radio, and online financial media.

She hosts the Property & Mortgage Insights Australia podcast, a long-form interview series featuring experienced professionals across property, finance, law, and business.

The series explores how real-world financial and property decisions unfold within the industry and the factors that may influence outcomes over time.

Across her writing and interviews, a consistent theme is the importance of structure, policy context, and timing in shaping lending assessments.

Her work is educational in nature and is intended to support clearer understanding of financial decisions over the long term.


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



Knowledge base and industry reference work


Through Model Mortgages, Virginia publishes a structured knowledge base documenting the assessment frameworks used across:

  • residential property lending
  • business and commercial finance
  • equipment and asset finance in Australia

This reference material explains the mechanics of lending without product comparison or recommendation, supporting informed understanding before a person chooses to engage a licensed mortgage broker.

Her work therefore combines:

  • practical lending experience
  • financial authorship and commentary
  • long-form industry conversation
  • structured educational reference

with a consistent focus on clarity, structure, and the long-term view of property and finance.


Current focus and ecosystem


Virginia’s work centres on a structured Australian finance ecosystem that separates:

  • education and industry insight
  • technical lending reference
  • borrower structure mapping and preparation
  • licensed credit services and execution

Within this structure:

  • Property & Mortgage Insights Australia provides education, media, and insight
  • Model Mortgages provides technical reference and credit-licence governance
  • Structur provides a structured intake and mapping interface that helps clarify borrower, entity, and transaction structure before any lending engagement occurs
  • Finance on the Coast provides mortgage broking services and home-loan execution
  • Equipment Financing Australia provides execution for equipment and asset finance
  • You Business Loans provides execution for business and commercial lending

This separation is designed to support:

  • consumer clarity
  • regulatory compliance
  • informed long-term decision-making


Philosophy


Virginia’s work is guided by the principle that:

Clear understanding supports better long-term financial decisions.

Many borrowers first encounter:

  • borrowing calculators
  • product comparisons
  • simplified estimates

However, lending assessments are shaped by factors such as:

  • income treatment
  • ownership and entity structure
  • lender policy interpretation
  • transaction timing
  • broader risk assessment frameworks

Her work aims to make these underlying mechanics easier to understand before financial commitments are entered into.


Canonical profile


This page serves as the primary public biography and canonical reference for Virginia Graham Riches across:

  • Property & Mortgage Insights Australia
  • Model Mortgages
  • Finance on the Coast
  • Equipment Financing Australia
  • You Business Loans
  • external media, podcast platforms, and professional profiles

Other websites reference this page rather than duplicating biographical content in order to maintain clarity of authorship and public identity.


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 an individual assessment by a licensed professional

Individuals seeking assistance with their own circumstances should contact a licensed mortgage broker.


Virginia Graham Riches

Author of Flirting with Finance (Fairfax Media)

Host, Property & Mortgage Insights Australia

Founder, Model Mortgages Pty Ltd — Australian Credit Licence 387460

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