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.

victorian mortgage group loans
bluestone loans
commonwealth bank loans
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pepper money loans
firstmac car loans loans
anz loans
unibank loans
heritage bank loans
beyond bank loans
nab loans
bank first loans
teachers mutual bank loans
st george loans
deposit power loans
mystate loans
hr assured loans
loans today loans
auswide loans
adelaide bank loans
bankwest loans
latrobe loans
emoney loans
amp loans
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get capital loans
suncorp bank loans
allianz loans
me loans
citi loans
plan lend loans
liberty loans
firstmac loans
keystart homeloans loans
virgin money loans
deposit assure loans
homeloans loans
silver chef loans
newcastle permanent loans
westpac loans
macquarie 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

home loan savings

Home Loan Savings

Tuesday 18 June 19

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

Read more
first home buyers grants and concessions

First Home Buyers Grants and Concessions

Friday 31 May 19

As you prepare to purchase your first home, the goal can seem a bit...

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using a personal loan for a home deposit

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

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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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.