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.