About us

Good solutions start with a good conversation.

We're a Melbourne-based mortgage broking team helping Australians buy, build and refinance, with a loan tailored to their long-term goals.

$100M+

Loans supported

Helping clients buy, build and refinance across Australia.

70+

Banks and lenders

A wide panel, so we can compare options and find the right fit.

$0

Brokerage fees

Our advice doesn't cost you brokerage. Lenders pay us when your loan settles.

Our approach

Home loans are about more than the rate

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

Understand first

We start with your goals, income and plans before we look at a single lender.

Compare properly

We compare options across our panel, not just the lender with the lowest advertised rate.

Support beyond settlement

We check in after settlement and review your loan as your life changes.

Understand first

We start with your goals, income and plans before we look at a single lender.

Compare properly

We compare options across our panel, not just the lender with the lowest advertised rate.

Support beyond settlement

We check in after settlement and review your loan as your life changes.

Principles

The values behind our work

A few simple principles guide every loan, from the first call to long after settlement.

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1

Clarity first

We explain every step in plain English, so you always know where you stand.

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1

Clarity first

We explain every step in plain English, so you always know where you stand.

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2

Honest advice

We tell you what's possible, and what isn't yet, even when it's not what you hoped to hear.

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2

Honest advice

We tell you what's possible, and what isn't yet, even when it's not what you hoped to hear.

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3

Tailored loans

We structure your loan around your long-term goals, not just today's rate.

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3

Tailored loans

We structure your loan around your long-term goals, not just today's rate.

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4

Support beyond settlement

We stay in touch after settlement, with check-ins and reviews as your life changes.

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4

Support beyond settlement

We stay in touch after settlement, with check-ins and reviews as your life changes.

Our panel

Access to 70+ banks and lenders

A wide panel means we can compare real options for your situation, not just the one lender everyone's heard of.

Banks

Major and regional banks

Banks

Major and regional banks

Non-bank lenders

Competitive options beyond the banks

Non-bank lenders

Competitive options beyond the banks

Specialist lenders

For complex or non-standard situations

Specialist lenders

For complex or non-standard situations

Get started

Let's talk about your next move

Buying, building or refinancing? Share a few details and we'll talk you through your options.

Get in touch

Read our guides

Home loans

Refinancing

Investing

Complex situation? Try us.

We're happy to talk through your options.

hello@gracehomeloans.com.au

Location

Melbourne, Victoria

Service area

Australia wide, by phone, email or video