About Us

• About Virginia Graham
• About Model Mortgages
• About Finance Broking
  
• What our Customers are saying about us

About Virginia Graham   Virginia Graham manages 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.

About Model Mortgages

 Model Mortgages was founded in 2004. Since then Model Mortgages has helped many clients dreams come true, not only their dream homes but also their dream investment portfolios. Peace of mind is Model Mortgages main objective for their clients. They provide a unique solution for professional people’s debt structuring needs. They have a hybrid system consisting of not only the broker channel, like most brokers but they also provide direct bank contacts that are only for Model Mortgages customers. Model Mortgages gets paid less by the bank for this but it allows Model Mortgages to give an unbeatable service proposition and does not pass this cost along to customers.
  “You get a personal contact at the bank, if you lose a password, a number anything, just call you contact and they can help you”
This saves customers an enormous amount of time, time they can spend relaxing or on finding their next property.

About Finance Broking

• What does a finance broker do?
A finance broker looks at all of your financial circumstances including home and investment loans, equipment finance and business loans and then provides possible loan structures and pricing for you to choose from.

• How are they paid?
Finance brokers are paid by the banks and financial institutions when you sign up for a loan.

• Does this mean I pay more?
You will not be paying more for your loan if you use a finance broker. Bank and financial institutions will either pay their internal loan departments or the finance broker – so there is no extra charge for the lender.

• How much are brokers paid?
This will vary depending on the bank and the loan. Model Mortgages has a policy of full transparency and disclosure and will be happy to tell you about the commissions at the time of application for your loan. Generally the more the bank is involved, the less the broker is paid, especially for our direct bank relationships. This has no extra cost to you.

What our customers are saying about us

“Model Mortgages has helped us with various home and building loans, that have given us the opportunity to build our dream house in Coogee. Other mortgage brokers were not able to help us, but Model Mortgages went the extra mile and used their skill to get what we needed. They are trustworthy, knowledgeable, reliable, but most of all they are extremely helpful.”

Sonja & Arjen van den Bosch

Model Mortgages has arranged finance for all of my acquisitions including refinancing of property investment loans and home purchases. Nearly all of our financing transactions were complex and required customized structured financing arrangements.

Model Mortgages has impressed me as being a professional organization and amazingly well connected within the finance sector. They have been knowledgeable and added value to every transaction.

Their key contacts within the finance sector were critical to the success of my various financing requirements.”

Rose Guerin CA
Partner
Guerin James Bailey
Business Advisory

“Model Mortgages got us through some major hurdles for our first property.  They had the connections at the bank to get our application through in record time, and secured us a low interest rate.  We managed to avoid 11 consecutive rate rises, when other brokers were advising variable.

We have recommended them to several friends. What impressed me most was when they advised people that they were NOT ready.  Some brokers don’t use any discretion and lock people into hard times.

We went through MM for a second house two years after the first one, and will stick with them for all our mortgage matters.”

Rhys and Liz Blackburn