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.

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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

for first home buyers and guarantors

For First Home Buyers and Guarantors

Tuesday 28 July 20

This last couple of weeks I've been helping a lot of first home buyers and those considering a Family Guarantee....

Read more
offset accounts explained using australia's favorite commodity

Offset Accounts Explained Using Australia's Favorite Commodity

Monday 16 March 20

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first home loan deposit scheme

First Home Loan Deposit Scheme

Tuesday 28 January 20

The high cost of LMI (Lenders Mortgage Insurance) is one of the biggest hindrances that most first home buyers face...

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mortgage offset savings account

Mortgage Offset Savings Account

Thursday 10 October 19

You have probably heard of offset accounts. What are they, and are they worthwhile, especially if you have to pay...

Read more

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
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.