When you move,
Move with Grace

When you move,
Move with Grace

Whether it's your first home or your fifth, after our first phone call you'll feel confident in the process from start to finish.

Whether it's your first home or your fifth, after our first phone call you'll feel confident in the process from start to finish.

Whether it's your first home or your fifth, after our first phone call you'll feel confident in the process from start to finish.

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Loans assisted

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Banks available

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Brokerage fees

STEP 1 OF 4

What can we help you with?

Choose one to get started.

STEP 1 OF 4

What can we help you with?

Choose one to get started.

  • Commonwealth Bank
  • Westpac
  • NAB
  • ANZ
  • Macquarie Bank
  • ING
  • St.George
  • Bendigo Bank
  • Bank of Queensland
  • Bankwest
  • Bank of Melbourne
  • AMP Bank
  • Great Southern Bank
  • Bank Australia
  • Heritage Bank
  • Pepper Money
  • La Trobe Financial
  • Liberty Financial
  • Resimac
  • Firstmac
Benefits

Based in Melbourne, supporting Australia wide

Based in Melbourne, supporting Australia wide

Local mortgage brokers with access to 70+ lenders, helping you buy, build or refinance with confidence.

Local mortgage brokers with access to 70+ lenders, helping you buy, build or refinance with confidence.

Fully assessed pre-approvals

Fully assessed pre-approvals

Know your borrowing power before you make an offer. We handle the full assessment so you can bid with confidence.

Know your borrowing power before you make an offer. We handle the full assessment so you can bid with confidence.

Checklist:

5% Deposit Scheme?

Stamp Duty Concessions?

Help To Buy Schemes?

First home buer schemes

First home buer schemes

First home buer schemes

We'll guide you through the grants, concessions and government schemes you may be eligible for, so nothing gets missed.

We'll guide you through the grants, concessions and government schemes you may be eligible for, so nothing gets missed.

Loans to support your goals

Loans to support your goals

We tailor your loan to align with your long-term goals, whether that's your first home, an upgrade, or an investment.

We tailor your loan to align with your long-term goals, whether that's your first home, an upgrade, or an investment.

Why choose Grace

We're very proud of a few of these numbers

We combine lender knowledge, honest advice and hands-on support to find a loan that fits your goals.

$100M+ loans supported

We make sure the lender is the right fit before we submit your application, so you're not guessing.

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%

Application success rate

We make sure the lender is the right fit before we submit your application, so you're not guessing.

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Application success rate

Access to a wide panel of banks and lenders, so we can compare options and find the right fit for you.

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Banks and lenders

Access to a wide panel of banks and lenders, so we can compare options and find the right fit for you.

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+

Banks and lenders

Complex situation? Try us.

We take the stress out of getting a loan, explaining each step in plain English from first call to settlement.

5.0

Trusted by clients Australia wide

Home loans for every situation

Home loans for every situation

Whatever your circumstances, we'll find a lender who fits and guide you through every step.

Whatever your circumstances, we'll find a lender who fits and guide you through every step.

First Home Buyers

We walk you through grants, schemes and deposit options, and explain each step in plain English so you can buy with confidence.

Self Employed

Not on a regular payslip? We know which lenders understand business income and how to present your finances in the best light.

Impared Credit

A past default or credit hiccup doesn't have to end your plans. We'll look at your options and the lenders who take a closer look at your situation.

First Home Buyers

We walk you through grants, schemes and deposit options, and explain each step in plain English so you can buy with confidence.

Self Employed

Not on a regular payslip? We know which lenders understand business income and how to present your finances in the best light.

Impared Credit

A past default or credit hiccup doesn't have to end your plans. We'll look at your options and the lenders who take a closer look at your situation.

First Home Buyers

We walk you through grants, schemes and deposit options, and explain each step in plain English so you can buy with confidence.

Self Employed

Not on a regular payslip? We know which lenders understand business income and how to present your finances in the best light.

Impared Credit

A past default or credit hiccup doesn't have to end your plans. We'll look at your options and the lenders who take a closer look at your situation.

Process

How the process flows with clarity

How the process flows with clarity

A clear, step-by-step process that takes you from your first phone call to the day you get the keys.

Discovery

We start with a conversation about your goals, your income and your plans, so we understand what you're really aiming for.

Discovery

We start with a conversation about your goals, your income and your plans, so we understand what you're really aiming for.

Process and Education

We explain how the process works, what lenders look for and what to expect, so there are no surprises along the way.

Process and Education

We explain how the process works, what lenders look for and what to expect, so there are no surprises along the way.

Research and Options

We compare lenders and loan structures across our panel and show you the options that best suit your situation.

Research and Options

We compare lenders and loan structures across our panel and show you the options that best suit your situation.

Application and Approval

We prepare and submit your application, then handle the follow-up with the lender through to formal approval.

Application and Approval

We prepare and submit your application, then handle the follow-up with the lender through to formal approval.

Settlement day

We coordinate with your solicitor or conveyancer and the lender so settlement goes smoothly and you can collect your keys.

Settlement day

We coordinate with your solicitor or conveyancer and the lender so settlement goes smoothly and you can collect your keys.

Ongoing support

We stay in touch after settlement with regular check-ins and loan reviews, so your loan keeps working for you.

Ongoing support

We stay in touch after settlement with regular check-ins and loan reviews, so your loan keeps working for you.

Expertise

With our team supporting you, go forward with confidence

With our team supporting you, go forward with confidence

Local expertise, honest advice and hands-on support to help you borrow with confidence.

Local expertise, honest advice and hands-on support to help you borrow with confidence.

No Brokerage Fees

No Brokerage Fees: Expert advice with $0 brokerage fees, so getting help never adds to your costs.

No Brokerage Fees

No Brokerage Fees: Expert advice with $0 brokerage fees, so getting help never adds to your costs.

Clear Communication

Regular updates at every stage, so you always know where your application stands.

Clear Communication

Regular updates at every stage, so you always know where your application stands.

Grows With You

A loan structure that can adapt as your life, income and property goals change.

Grows With You

A loan structure that can adapt as your life, income and property goals change.

Speed

Quicker turnarounds on pre-approvals and applications, without cutting corners on the detail.

Speed

Quicker turnarounds on pre-approvals and applications, without cutting corners on the detail.

Flexibility

Loans tailored to your situation, whether it's a first home, an investment or a business purchase.

Flexibility

Loans tailored to your situation, whether it's a first home, an investment or a business purchase.

Wide Lender Choice

Access to 70+ banks and lenders, from the majors to specialist lenders, so we can compare the right options for you.

Wide Lender Choice

Access to 70+ banks and lenders, from the majors to specialist lenders, so we can compare the right options for you.

Dedicated Support

A real person to call, from your first question through to settlement and beyond.

Dedicated Support

A real person to call, from your first question through to settlement and beyond.

Convenience

Talk by phone, email or video, whatever suits you, with the paperwork handled for you.

Convenience

Talk by phone, email or video, whatever suits you, with the paperwork handled for you.

Testimonials

What our clients say

Real feedback from clients who trusted us with their home loan, from the first call to settlement.

Working with Sevora felt incredibly smooth. The direction was clear from the beginning, and the final website captured our brand with precision and confidence.

Ethan Brooks

Founder

Working with Sevora felt incredibly smooth. The direction was clear from the beginning, and the final website captured our brand with precision and confidence.

Ethan Brooks

Founder

Working with Sevora felt incredibly smooth. The direction was clear from the beginning, and the final website captured our brand with precision and confidence.

Ethan Brooks

Founder

The process was thoughtful, fast, and highly organized. Every design decision felt intentional, and the final result made our product feel much more polished.

Maya Chen

Designer

The process was thoughtful, fast, and highly organized. Every design decision felt intentional, and the final result made our product feel much more polished.

Maya Chen

Designer

Complex situation? We're up for it

Sevora helped turn a rough idea into a refined visual identity. The work felt clean, strategic, and exactly aligned with where we wanted to go.

Liam Carter

Director

Sevora helped turn a rough idea into a refined visual identity. The work felt clean, strategic, and exactly aligned with where we wanted to go.

Liam Carter

Director

Common Questions

Common Questions

Answers to questions about process, timelines, and project details

Answers to questions about process, timelines, and project details

How much does it cost to use Grace Home Loans?
How much does it cost to use Grace Home Loans?
How do I get started?
How do I get started?
How long does approval take?
How long does approval take?
What documents will I need?
What documents will I need?
Can you help first home buyers?
Can you help first home buyers?
Can you help if I'm self-employed or have impaired credit?
Can you help if I'm self-employed or have impaired credit?
Which lenders do you work with?
Which lenders do you work with?
What happens after settlement?
What happens after settlement?

Mana Finance Pty Limited trading as Grace Home Loans (ABN: 82 687 143 406, MFAA Member No. M.172176, Credit Representative Number 571883, authorised under Purple Circle Financial Services Pty Ltd, Australian Credit Licence Number 486112).

The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

© Grace Home Loans | 2026

Mana Finance Pty Limited trading as Grace Home Loans (ABN: 82 687 143 406, MFAA Member No. M.172176, Credit Representative Number 571883, authorised under Purple Circle Financial Services Pty Ltd, Australian Credit Licence Number 486112).

The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

© Grace Home Loans | 2026

Mana Finance Pty Limited trading as Grace Home Loans (ABN: 82 687 143 406, MFAA Member No. M.172176, Credit Representative Number 571883, authorised under Purple Circle Financial Services Pty Ltd, Australian Credit Licence Number 486112).

The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

© Grace Home Loans | 2026