About “Behind Finance on the Coast”

Smarter Lending. Trusted Experts. Real Results.

Finance on the Coast is the specialist property finance division of Model Mortgages, founded in 2004 by Virginia Graham in Bondi Junction.

What began as a boutique brokerage serving Sydney’s Eastern Suburbs has evolved into a highly respected, tech-powered team supporting clients across the eastern seaboard of Australia.

At our core, we help people secure their dream homes, grow their investment portfolios, and navigate complex lending scenarios with clarity and confidence.

💡 Built by Finance Experts. Backed by Innovation.

Virginia brought her background in banking, treasury, and financial planning into the broking world — along with a desire to simplify and modernise the process. She’s also the author of Flirting with Finance (published by Fairfax), and a long-time advocate for removing the gatekeeping that once dominated the finance space.

In 2010, Phil Riches — then a senior lender at Westpac — joined full-time, bringing a strong commercial and residential lending foundation to the team. Today, he serves as CEO and Senior Mortgage Consultant, known for his honest, relationship-driven approach.

Together, Virginia and Phil built a team of expert brokers and launched Finance on the Coast to serve a broader client base — from families and medicos to high-net-worth individuals and business owners.

👥 A Team of Elite Mortgage Brokers

Our broker team is handpicked and highly specialised. While the faces may change over time, the standard doesn’t.

Each broker we work with is experienced in specific lending categories — from first home buyers and investors to complex income scenarios and specialist professions. We focus on quality, not quantity — ensuring every client gets matched with the right expert for their situation.

🤖 AI-Powered. Human-Led.

We’ve been at the forefront of using AI and intelligent automation to streamline our systems — not to replace brokers, but to support them and speed up the journey for our clients.

With Finance on the Coast, you get the best of both worlds:

• Technology where it helps
• Human expertise where it matters

💬 No Gatekeeping. Just Genuine Support.

From our podcast Property and Mortgage Insights Australia 2025 to our public expert directory Property Podcast Connect, we’ve built our brand around access, honesty, and sharing insights freely.

Whether you're buying, refinancing, or planning your next move — we’re here to help you navigate the market with confidence.