She was the sixth child and fourth daughter of William Graham and Jane Catherine. Her father became the head of the family business which imported dry goods from India and Graham'sport from Portugal. He served as the Liberal MP for Glasgow from 1865 to 1874. Both of her older brothers died young in 1872: Rutherford of diphtheria aged 23 and William of an accidental morphine overdose aged 17. Her younger sister Agnes married Herbert Jekyll, a younger brother of the garden designer Gertrude Jekyll. She was educated at home by governesses, at Langley Hall near Manchester and later at 54 Lowndes Square in London. Her father's background in "trade" limited her opportunities in London society, but according to the Oxford Dictionary of National Biography, she was one of the first young unmarried women in London to entertain her own guests. Through her father's patronage of the Pre-Raphaelite Brotherhood, she became known to the artists Dante Gabriel Rossetti and Edward Burne-Jones. Although married, Burne-Jones became besotted with Frances, and painted her likeness in several works. In 1869, when Frances was 15, he drew her as "The Lady of the Window" in the Vita Nuova. She was included in The Golden Stairs in 1880, carrying cymbals at the bottom of the stairs. She has been described as the one of the most important women his life, after his wife, his daughter and his mistress Maria Zambaco.
In 1900 Frances Horner, her husband and young family left Mells Park for the nearby and more manageable Manor House. The house at Mells Park was destroyed by a catastrophic fire in October 1917. Lutyens designed the replacement for the banker and politician Reginald McKenna and his wife Pamela. Pamela was her niece, the daughter of Herbert Jeykell and her sister Anges.
Patronage
Horner became a hostess at Mells, entertaining their circle of artists and intellectuals, the Souls, which included Edwin Lutyens, H. H. Asquith and R. B. Haldane. Lady Paget called her the "High Priestess" of the Souls. She continued her father's role as friend and patron of Burne-Jones. She undertook elaborate embroidery work: an example designed by Burne-Jones, L'Amor che mouve il Sole e Faltre Stelle hangs in St Andrew's Church, Mells. The church also houses a stained glass window by William Nicholson, commissioned as a memorial to her husband Sir John Horner, and the large equestrian statue that she commissioned as a memorial to her elder son, Edward Horner, which includes a bronze statue by Alfred Munnings installed in 1923 on a plinth by Lutyens, with lettering by Eric Gill. The village of Mells contains other works commissioned by Horner from leading artists, including two shelters designed by Lutyens in memory of her son Mark Horner, both with lettering by Gill. The Mells War Memorial is also by Edwin Lutyens was unveiled in 1921.
