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


Mortgage brokers working for you

When you go to your bank for a home loan, you’ll be offered only the few products that particular bank has to offer and not necessarily the one that’s the best value or the best for you.

At Grace Loans, we are able to expand your universe to loans being provided by over 30 different lenders. That includes major banks, small banks and many non-banks and smaller lenders. There are literally hundreds of loans to select from, some of which are only available through a broker.

Home loan ethics

Our commitment to Christian ethics and a focus on the best outcome for you means that you can have confidence in coming to Grace Loans. The best outcome for us is what’s best for you – that keeps our customers coming back. And it motivates them to tell their friends about our great service.

The best home loan approach

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.

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 the shortlist.

Adelaide Bank
Bank First
Beyond Bank
Commonwealth Bank
Deposit Assure
Deposit Power
Fire Fighters
Get Capital
Heritage Bank
HR Assured
ING Bank
Keystart Homeloans
Loans Today
Newcastle Permanent
Pepper Money
Plan Lend
Silver Chef
St George
Suncorp Bank
Teachers Mutual Bank
Virgin Money

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

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Home Loan Savings

Tuesday 18 June 19

Do you that your home loan can help you save money? It can do that in a variety of ways. Let...

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First Home Buyers Grants and Concessions

Friday 31 May 19

As you prepare to purchase your first home, the goal can seem a bit daunting.  My Dad paid $10,000 as...

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Using a personal loan for a home deposit

Thursday 30 May 19

What do you do if you have plenty of income to cover the loan payments for purchasing your first home,...

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Double trouble for credit cards

Wednesday 29 May 19

Have you had struggles getting your credit card paid on time? Sorry to tell you, but it’s about to get...

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Business loan basics

Tuesday 28 May 19

Tax savings.  Music to your ears?*

For many it is, and for those there is some good news in yesterday’s Federal...

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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.

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What our Clients Say

Awesome service! It's refreshing to deal with someone who walks In integrity! Adelle - Facebook
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 is a division of Grace Financial Services. James Massey and Bethany Massey are Authorised Credit Representatives of BLSSA Pty Ltd, , Australian Credit Licence number 391237. Authorised Credit Representative nos. GFS: 472092, James: 472093 & Bethany: 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.