At Grace Loans

We're A Family Company That Cares

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Refinance and Save

Saving $ Tens Of Thousands Is Common!


We search for a low cost loan that suits you


Working for you

Want the most competitive interest rate? Do you want to know  which bank will offer you the most borrowing capacity? Want to compare all the banks side-by-side to see which is actually a better fit for you? This is what Grace Loans is all about.

We work for you, not the bank.

We can find you a perfect fit by scouring major banks, small banks and many non-banks and broker-only offerings.  There are literally thousands of loans to select from, some of which are only available through a broker. 

Christian Ethics

Our commitment to Christian ethics and a your best interests means that you can have confidence in coming to Grace Loans. The best outcome for us is what most benefits you – that keeps our customers coming back. Our background and first-hand experience within the Christian community means we know how to make excellent applications for Pastors and church workers who might otherwise be met with confusion or declined when applying without a broker to represent them. 

How does it work?

Our approach is simple. We begin by identifying the characteristics of the loan that you need. Our loan comparison software is then used to search through hundreds of home loans to find the ones with the lowest cost that accept your income scenario.

Starting at the top of that list, we then work out which ones have the characteristics that fit you as a borrower.  For example, some lenders might be better than others for a borrower with a casual job, a new job or being self-employed. The lowest cost loan that meets all of the requirements is then recommended, while still allowing you to choose from a shortlist of the best value options.

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Why Choose Grace Loans?

low rates

Low rates

We help you compare apples with apples by comparing lenders fees and features side-by-side with a ‘total loan cost’ comparison.



We have 25yrs combined experience in the finance industry and over 50yrs in Christian ministry. Your best interests are our focus.

family company

Family Company

We’re a local family company that wants to help yours. Getting out of debt sooner, prioritising family and faith are central to our values.



Security? Flexibility? Do you need an offset account, or to redraw without a fee? Whatever your needs, we can recommend the right product.

Learning Centre

Get the latest Mortgage and Loan Advice from the experts at Grace Loans

single parents can apply with as little as 2% deposit

Single parents can apply with as little as 2% Deposit

Friday 02 July 21

From Thursday 1 July 2021, 10,000 Family Home Guarantees (FHG or Scheme) will be available...

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preparing for your first home loan deposit scheme application

Preparing For Your First Home Loan Deposit Scheme Application

Wednesday 05 May 21

Preparing For Your First Home Loan Deposit Scheme Application

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government to re-issue unused first home loan deposit scheme places!

Government to re-issue unused First Home Loan Deposit Scheme places!

Tuesday 02 February 21

The federal government has revealed that it is to reissue unused guarantees from the first tranche of the First Home...

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2020 year of surprises

2020 Year of Surprises

Monday 30 November 20

Ok, this might be a bit of a rose-tinted summary, but if you set aside the bushfires, a pandemic, economic recession...

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Need financial planning advice? Visit Grace Financial

That’s right we even have our own in-house financial services too.
Helping you structure your debt to save tax and grow wealth.

Get Advice

What our Clients Say

Awesome service! It's refreshing to deal with someone who walks In integrity! Adelle - Facebook
Beth just helped my wife and I find and setup a home loan. She did all the leg work and showed us which loans we could choose from for our situation, explained what was going to happen - then they went and did it! I'd very happily recommend using Grace for your loan needs. Thanks guys. David - Google Review
Beth was always keeping me updated on the progress and went beyond what I had expected. She was clearly the most proactive finance broker I had encountered, which is why we chose to use her services. She was well informed, knowledgeable and if she was unsure of anything, it would be chased down quickly to give a definitive answer. Whilst the financial sector has come under scrutiny recently, exposing some unsavory business practices, people like Bethany restore confidence and faith back into this industry by their relentless work ethic and highly professional conduct. Greg - Email
Professional. Down to earth. Affordable. Ethical. Hannah - Facebook
Trustworthy and reliable. Marnie - Facebook
Jim didn't just go the extra mile for us as first home buyers but went a few extra miles after that. Couldn’t speak highly enough of the service. Peter - Facebook

Visit Grace Loans

Wherever you’re at we can always line up a meeting in person, via video conference or over the phone. So when it comes to your next loan make sure you’re in the know with Grace.


Grace Loans Pty Ltd and Bethany Massey are Authorised Credit Representatives of BLSSA Pty Ltd, Australian Credit Licence number 391237. Grace Loans Pty Ltd Authorised Credit Representative 523940, Bethany Massey Authorised Credit Representative 513202. Content of site may not be fully up to date as lenders are constantly changing their loans and policies. Any advice provided on this website is of a general nature not taking into account your personal objectives and situation. Such matters are important to consider prior to taking any action. Please make an appointment to discuss your specific situation so that appropriate advice may be given with regard to suitable products using current information.