Different home loan features are important for each family and borrower. Some people want the security of a fixed interest rate. Others want the flexibility associated with a variable rate. A 100% offset account is a "must have" for some borrowers, while others are quite happy with an "all in one" transaction loan account or even a simple "no frills" home loan.
We understand the merits of each feature and listen carefully to your desires to recommend a loan suited to you.
Low interest rates are not the ultimate thing for any loan, but given that you are comparing "apples with apples" when it comes to the home loan features, bank infrastructure and other matters that are important to you, you would then naturally want the one with the lowest cost.
Sometimes it can be hard to compare the real overall cost of a loan as some may have a low rate but significant fees, where others may have a slightly higher rate with no fees. Our software allows us to compare the available loans and actually see how many dollars you save over the life of the loan with one as compared to another.
How do you judge quality when it comes to banks and other lenders? Apart from the actual loan features it comes down to customer care, ease of access to do what you need to do. That might be by way of a highly functional website or a local branch that's easy to get to.
What it's not about is the quality of their advertising. You may love Jeep ads on TV, but still prefer a BMW X5!
For you, it may be that your comfort with a bank that you have dealt with for a long time is important. Others may not be fussed, and may even relish the idea of coming on-board with a a progressive bank with the latest in technology on line and with mobile apps.
in a home loan!
We search out loans that suit you and your circumstances from a wide selection of banks and other lenders, then work out which ones have the lowest cost. You then pick the one you prefer. Our fees are covered by what the banks pay, so you don't have to come up with anything extra.
It's common for our clients to save tens of thousands of dollars over the life of their loan, and we have even seen projected savings above $100,000!
It doesn't cost you anything for us to work out what we should be able to do for you, so give us a call today. 02 4905 0250
Home & Investment Loans
Car, Boat & RV Loans
Business & Commercial Loans
Yes, there's more!
SMSF Property Loans
Whether you are a first home buyer or well into a multi-million dollar property portfolio, Grace Loans can get you the best finance options available. We deal with all of the major banks as well as a wide selection of smaller banks and non-bank lenders.
It's great when you can pay cash for that Car, boat or recreational vehicle. But there's no need to wait until you are too old to enjoy them! A loan secured by the vehicle can be a good option. While unsecured loans can be obtained, the ones with the best rates are secured by the vehicle. If you are a homeowner, the rates are just a little over home loan rates.
And speaking of cash, if you get your loan pre-approved, you can shop for discounts the same way you do when paying cash. That can save you a bundle on that dream vehicle!
Whether it's a small strata-titled office, a commercial warehouse or a shop, we can help you locate a loan to suit your situation.
Often there is the question as to whether or not to use funds from superannuation for such a purpose. A Self-Managed Superannuation Fund can be the answer for that, and limited recourse borrowing is generally available for that purpose.
For some, however, a family trust may be the answer, giving freedom in distributions, tax effectiveness for capital gains and a structure to last generations.
Under our Credit Licence we can provide advice and assistance on the loans and through our financial planning practice, Grace Financial Services, we can give you advice on the financial and wealth creation matters regarding the structures.
A Self-Managed Superannuation Fund isn't for everybody, but it opens up possibilities for people with significant superannuation balances. While there are strict rules in place with regard to investments by SMSFs, they can invest in both commercial and residential property, along with many other 'tangible' assets. Furthermore, it's possible for the Self-Managed Super Fund to hold the property in a special trust within the fund and borrow money secured by the asset(s) held within the trust without recourse to call upon the other assets of the fund should things not going according to plan.
As a SMSF is classified as a financial product, you need to receive advice from a qualified financial adviser about such matters. Grace Financial Services is an authorised representative with regard to financial services as well as loans, so you get both aspects of the service with us.
When you go to a bank, you know what loan they are going to recommend. It will be one of their loans. Most banks will have a few different varieties, but not the multitude of choices that are available through a mortgage broker.
The whole concept of working through a broker is to make it easy to find the loan that is going to be best for you in your circumstances. In addition, while the banks will offer special deals from time to time, even that will vary. One month it might be bank A that has the fabulous deal, and a few weeks later it could be bank B.
Many of those deals will give you a continued discount over the life of the loan, so they can make a significant difference.
At Grace Loans we are aware of the products available through a wide variety of lenders. As we seek to understand your situation we will then make a recommendation for the loan that will suit you. On top of that, we find you a great interest rate and low fees!
“My husband and I are buying a house with the help of Grace Financial Services. We are so happy with their professional service and the extra step they go with care and support. Highly recommend them!”
“Jim didn't just go the extra mile for us as first home buyers, but went a few extra miles after that. Could not speak highly enough of the service”
Down to earth.
“Awesome service! It's refreshing to deal with someone who walks In integrity!”
“Trustworthy and reliable.”
These are actual excerpts taken from posts and reviews on our Facebook page. Check it out at:
Grace Loans is a division of Grace Financial Services, your one stop financial shop. It was established in 2013 by James Massey, the former Manager of Financial Planning at a Hunter Valley financial planning company and Chief Financial & Information Officer at an Australian mortgage company. He has fifteen years experience in the financial services industry.
Financial Services you can Trust
Grace Loans is a trading name of Grace Financial Services Pty Ltd, authorised representative of HNW Planning Pty Ltd Australian Financial Services Licence number 225216, Australian Credit Licence number 225216.
Our offices are in Toronto NSW, just south of Newcastle on the western shore of Lake Macquarie. We are located between Toronto Diggers and the Greater Building Society, above Mission Providence. Enter the glass roofed arcade, come up the stairs and turn to your right, and you have arrived!
Our sandwich board sign out on the footpath and sign on the window (look up!) making finding us easy.
Grace Financial Services
3/35 The Boulevarde
Toronto NSW 2283
Phone 02 4905 0250
Generally you need to make an appointment to meet with James, but if you find yourself in Toronto, stick your head in the door and say "Hi !"
Our trading hours are 8.30 am to 5.30 pm Monday to Friday, but we can accommodate other times when necessary, or even meet with you in your home. Give us a call and we will work something out.
Phone 02 4905 0250
Grace Loans is a trading name of Grace Financial Services Pty Ltd, authorised representative of HNW Planning Pty Ltd Australian Credit Licence number 225216
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Grace Financial Services Pty Ltd trading as Grace Loans. Grace Financial Services and James Massey are authorised representatives of HNW Planning Pty Ltd Australian Financial Services Licence number 225216, Australian Credit Licence number 225216.
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.
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