📌 Property and Mortgage Insights Australia

About 📌 Property and Mortgage Insights Australia

Property & Mortgage Insights Australia is a long-form podcast about how property and lending decisions are actually made. I’m Virginia Graham Riches. After more than two decades working inside lending and financial markets, I’ve learned that the most important parts of property and finance are often the things people don’t realise they need to understand until much later. In each episode, I speak with experienced people across property, finance, law, and business about what really happens behind the scenes — how decisions are assessed, what tends to go wrong, and what matters more over time.

Publisher

Virginia Graham Riches

Category

business

Language

en

Explicit

No

First episode

11 Mar 2025

Latest episode

13 Aug 2025

Latest episodes

2 of 8 episodes have a transcript.

1. 

   13 Aug 2025TRANSCRIPT

   Steve Hair on Global Finance, Smart Property Strategy & the Power of Experts

   Today’s guest is someone whose story spans continents, market cycles, and major life transitions. Steve Hair began his finance journey on the Sydney Futures Exchange at just 17 and went on to build a decades-long global career in banking and funds management — from Sydney to London to Singapore.Steve joins Phil Riches (Senior Mortgage Consultant at Finance on the Coast) and host Virginia Graham (author of Flirting with Finance) to share:✅ How he navigated the GFC, Brexit, and COVID from inside the finance world✅ His surprising pivot from doing it all himself to relying on experts✅ A wild story of buying a dream family home from a beach in Singapore✅ How working with the right mortgage broker transformed his property journey✅ Why understanding credit policy and lender strategy matters more than the rate alone.Whether you’re an expat, investor, first home buyer — or in the finance world yourself — this episode offers a rare behind-the-scenes look at real property strategy.Tag a mate who’s buying their first home or looking to invest — they NEED to hear this!Disclaimer:Any information provided is general in nature and does not take into account your personal circumstances and you need to consult a professional.🎧 Listen now and let us know your biggest takeaway in the comments!📚 CHAPTERS00:00 - Intro01:23 - Steve’s Career in Finance06:50 - Financial Goals Before Meeting Phil11:12 - Phil and Steve's Meeting Story16:55 - Steve's Best Investment Outside Trading20:29 - Future Plans for Steve21:00 - Importance of a Good Mortgage Broker24:00 - Understanding Credit Policy Essentials27:20 - Want to master property financing like a pro? 🏡 Discover the key strategy that could change EVERYTHING! From expert insights on real estate and investment to the importance of working with the right mortgage advisor, this episode is packed with tips for homebuyers and property investors.

2. 

   1 Jul 2025

   Smart Lending Tips to Avoid Costly Property Risks 🏠 Broker Julianne's response to Luke & Lachlan

   Virginia Graham interviews Julianne Zammit, a senior mortgage broker, about smart lending strategies and avoiding property risks, highlighting rentvesting and interstate investment trends for Australian property buyers.

3. 

   24 Jun 2025

   5 Secrets to Smarter Property Investing in Australia

   Virginia Graham and Luke and Lachlan from Atlas Property Group reveal five secrets to smarter property investing in Australia, emphasizing data usage and strategic timing to maximize wealth creation, in this interview episode.

4. 

   17 Jun 2025

   Julianne Zammit Mortgage Brokers response to conveyancer Kathleen Chui's podcast: Smart Loan Talk

   Mortgage broker Julianne Zammit responds to conveyancer Kathleen Chui's podcast, discussing smart loan strategies, first home buyer schemes, and financial structures for Australian homebuyers, in an interview with Virginia Graham.

5. 

   10 Jun 2025TRANSCRIPT

   Top 3 Legal Tips for Smart Property Buyers 🏠

   Kathleen Chu shares three legal tips for smart property buyers, advising listeners on contracts and due diligence in an interview with Virginia Graham.

6. 

   20 Apr 2025

   Airbnb Goldmine: Smart Strategies for Property Investors

   Rental management expert Linda shares smart strategies for property investors to unlock massive returns with Airbnb in Cairns, discussing location, running costs, and furnishing to maximize ROI in this interview.

7. 

   26 Mar 2025

   Budget 2025: What First Home Buyers and Investors Need to Know – with Phil Riches

   Host Virginia Graham interviews mortgage broker Phil Riches about the 2025 Federal Budget, exploring schemes and restrictions impacting first home buyers and investors, offering insights on navigating the property market.

8. 

   11 Mar 2025

   🏡 Buying Luxury Property for less in Regional Areas: Why Cairns is the New Hotspot

   Host Virginia Graham interviews Jenna Shingles, a luxury property expert, about the thriving luxury property market in Cairns, exploring investment potential and waterfront living in the region.

Inside a recent episode

Steve Hair on Global Finance, Smart Property Strategy & the Power of Experts

Published 13 Aug 2025 · Transcript excerpt

[…] It's always been quite hard. I've always just kept outside of that and kept sort of clean there and then sort of looked at property as my investment opportunity. I guess the family home has always been the number one. I guess a very regular story there. Then I've doubled in and out of investing in property over the years at various levels. Meeting Phil was really around organising predominantly the financing on our family home. Sure. I think when we first were introduced, one of the things that struck me was that professionals residing overseas and it was kind of coincidence that I realised not too long before we met, probably a year before we met that in my industry of finance, broken, that it was probably a smart move to pick some niche areas to operate in, whether it be self -managed super funds, lending and things like that. […]

Who has been a guest on 📌 Property and Mortgage Insights Australia

Names identified in recent episode analyses. Showing up to five guests.

• Julianne Zammit
• Luke
• Lachlan
• Kathleen Chu
• Linda

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Spotify

5.0 / 5

1 ratings

Podcast Authority Score: 19 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

25

Social presence

0

YouTube

0

Engagement

32

Contact 📌 Property and Mortgage Insights Australia

Guest appearances

Books guests

Based on episode analysis; this does not confirm that the show is currently accepting guests.

Questions about 📌 Property and Mortgage Insights Australia