At Grace Loans

We're A Family Company That Cares

Learn More
Refinance and Save

Saving $ Tens Of Thousands Is Common!


We search for a low cost loan that suits you


mortgage loan broker toronto nsw

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.

plan lend loans
amp loans
better choice loans
auswide loans
teachers mutual bank loans
bank first loans
bluestone loans
st george loans
granite loans
firstmac loans
latrobe loans
heritage bank loans
anz loans
bridgit loans
loans today loans
oak loans
citi loans
resimac loans
virgin money loans
bankwest loans
macquarie loans
thinktank loans
mystate loans
mortgage mart loans
ali group loans
allianz loans
ubank loans
go flexi loans
plenti loans
prime loans
emoney loans
imb commercial loans
ing bank loans
go beyond loans
health professionals bank loans
adelaide bank loans
me loans
newcastle permanent loans
westpac loans
nab loans
beyond bank loans
rate money loans
redzed loans
suncorp bank loans
abacus loans
commonwealth bank loans
fire fighters loans
liberty loans
unibank loans
deposit assure loans
bank of queensland loans
deposit power loans
pepper money loans

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

how to find payg, noa, centrelink & itr- cheat sheet

How to find PAYG, NOA, Centrelink & ITR- Cheat Sheet

Monday 15 May 23

How to find your Income statement/ PAYG Summary 

  1. Head to and sign in
  2. Scroll down until you find a section...

    Read more
struggling with mortgage stress?

Struggling with Mortgage Stress?

Monday 05 December 22

Mortgage stress is commonly defined as a household spending more than 30 per cent of their (pre-tax) income on...

Read more
comparing variable and fixed rates

Comparing Variable and Fixed Rates

Wednesday 23 November 22

What is a Variable interest rate?

A variable interest rate is a rate that may fluctuate over time,...

Read more
how to pay off your home loan sooner

How to Pay off your Home Loan Sooner

Wednesday 09 November 22

Are you struggling with the thought of having a huge debt over 30 years? Worried about the interest rate...

Read more

What our Clients Say

Highly Recommend Beth. She was very responsive, helpful and Informative with my first home loan/ buying experience. I have already recommended her to several friends who are buying and will continue to do so!! Thank you Beth :) Cristina - Google
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
I would recommend Beth to anyone. She was informative, helpful, always available and professional. We had full faith that everything was going to go well, and it did. Even the bank mentioned how well the loan application was put together. As first home buyers with lots of questions, Beth was very understanding and patient with us. I would use Grace Home loans again with no hesitation. Deanna - Google
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
Beth was amazing. Very responsive to our mortgage needs. She was efficient and was able to answer all of our questions. Kellie- Google
Trustworthy and reliable. Marnie - Facebook
They 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
Grace Loans are very professional, organized and prompt. Love working with Grace Loans and will recommend without any hesitation. Thank you for your help in refinancing our Home loan. We are so happy we changed over to you guys. Tonja- Google

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.

Contact Us Now

Loan Type

Home Loan
Refinance Loan
First Home Buyer
Investment Loan
Business Loan
Car Loan
Consolidate Debt
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.