Founder and Director, James Massey established Grace Financial Services and Grace Loans back in 2013 with his daughter, Bethany joining the ranks in 2016. 

Their goal was to establish a Financial Services practice that was ethical, honest and put the clients well-being first. Often as part of a large company, or franchise, brokers and advisers are limited to providing clients with products or information that may not always be the best possible scenario for them. As a small, independent company, we are free to give our clients honest and impartial advice without limitations that could stand in the way of the client getting the best possible scenario. 

Bethany has been writing loans for Grace since 2016, and holds her Diploma of Finance and Mortgage Broking and is familiar with loan application process for over 40 lenders and their niches. She is able to assist with complex lending such as church workers' tax-free income, self-employed applicants, buying out partially inherited properties, business loans secured by owner-occupied properties, cross-collateralized securities, Self-Managed Superfunds and trusts as borrowers. 

As the landscape is constantly shifting post-royal commission, it's wise to keep in communication with Bethany for the latest updates that may affect your future applications. She can ensure that you set yourself up for success before submitting your application with a bank or lender.  

Emilee joined Grace Loans in 2021 and is currently completing her Certificate III and IV in Finance and Mortgage Broking.

Our Staff

Our Loan Office

Grace Loans is a division of Grace Financial Services. Our office is located on the shores of beautiful Lake Macquarie in Toronto NSW. With easy access from Newcastle, the Hunter Valley and the Central Coast.

We look after all your loan needs. Plus with in-house financial service we can also look after your - 

  • life-related insurances
  • superannuation
  • investing
  • retirement planning

Located at Suite 3, 35 The Boulevarde on the lake side of the Toronto Diggers RSL, the same complex as the Greater Bank. If you can't make it there though we easily meet via web conferencing and in the Newcastle - Hunter - Central Coast region.

So give us a call or simply fill out our contact form today.

Grace Loans and Bethany Massey are Authorised Credit Representatives of BLSSA Pty Ltd, Australian Credit Licence number 391237. Authorised Credit Representative nos. GL: 523940, 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.