That's not an accident. It's what happens when you do the work properly, tell clients the truth — including when the timing isn't right — and stay with them well beyond the first transaction. Medical Finance Australia is the specialist medical lending division of Model Mortgages, founded in 2004.
Senior Mortgage Consultant & CEO
Phil spent his early career at Westpac as a senior lender across residential, investment and commercial banking — covering home finance, investment lending and commercial banking before joining Model Mortgages full-time in 2010.
Over 20 years in lending has given Phil a depth of lender policy knowledge that most brokers don't have — including which lenders suit which medical income types, how EBITDA-based lending works for specialists, and what it takes to get complex practice finance across the line.
He is known for his direct, honest approach — including telling clients when the timing isn't right or when a deal won't work. That honesty is what keeps his clients referring colleagues.
Founder & Credit Licence Holder (ACL 387460)
Virginia founded Model Mortgages in 2004 with a background spanning banking, treasury, stockbroking and financial planning. What began as a boutique brokerage in Bondi Junction has grown into a specialist team covering clients across the eastern seaboard of Australia.
Virginia is the author of Flirting with Finance, published by Fairfax Media and adopted by major Australian financial institutions — with a single bank ordering 2,000 copies. She is also the host of the Property & Mortgage Insights Australia podcast.
She holds Australian Credit Licence 387460 through Model Mortgages Pty Ltd, governing the specialist lending divisions including Medical Finance Australia.
We've built a team of specialist brokers — each matched to specific lending categories. Medical finance, complex income, commercial property, expat lending. The standard doesn't change. Every client gets matched with the right expert for their situation.
Including when the timing isn't right, when a lender won't do what you need, or when there's a better way to structure something. That reputation is why most of our clients come from referrals.
We're not a transaction operation. Medical professionals have evolving finance needs — first home, investment property, practice buy-in, commercial rooms. We're the brokers clients come back to.
Every lender has a 200-300 page credit policy. Knowing which lender suits your income type, your career stage and your plans — right now — is what changes the outcome.
Model Mortgages Pty Ltd holds Australian Credit Licence 387460. We're not aggregator-dependent. Our advice is genuinely independent and in your interest.
Medical Finance Australia is the dedicated specialist medical lending arm of Model Mortgages. It exists because medical professionals have financing needs that are genuinely different — practice ownership, equipment, goodwill, complex income structures — and deserve a specialist resource rather than a generic broker page.
Our broader firm, accessible through Finance on the Coast, handles home loans, investment property, expat lending and complex scenarios for all types of clients. Medical Finance Australia is where we go deeper for the medical community.