Grace Cartledge is a Finance Broker to Business Owners and Self-Employed clients navigating Property and Business Finance decisions. With 20 years’ experience in the finance industry, Grace works with clients who value clarity, structure and a considered approach to finance, particularly as their personal and business arrangements become more interconnected.

Based on the Surf Coast, Grace supports clients across Geelong, Bellarine, Armstrong Creek, Ballarat, Golden Plains, Bendigo, Heathcote and Victoria more broadly. Grace assists Clients with Owner-Occupied and Investment Residential Finance, Commercial Property Finance, SMSF Finance, Refinancing and related Business Purchase Finance considerations.

As Businesses grow, finance decisions often extend beyond a single loan or transaction. Home Loans, Commercial Property opportunities, Investment Property and Business Lending decisions can influence long-term plans in ways that are not always immediately clear. Grace supports Clients by helping them navigate this complexity, reducing the need to manage multiple lenders or processes independently.

Grace is a member of the Mortgage & Finance Association of Australia (MFAA) and holds a Certificate IV in Finance and Mortgage Broking.

Her approach is structured, transparent and process-driven. Grace typically begins by understanding a Client’s current position and goals, then reviews available products and lenders to identify suitable options. Where appropriate, she liaises with Accountants, Financial Planners and Solicitors to support an efficient and well-coordinated application process.

Grace’s style is engaged, practical and thorough. She places a strong emphasis on clear communication and integrity. Her uncompromising ethical and personal standards ensure your best interests are always Grace’s first priority.

For Self-Employed Clients and Business Owners seeking a more considered approach to finance, Grace offers professional, no-obligation conversations to discuss context and general considerations before any next steps are explored.