More than a broker.
Your strategic finance partner.
Grace Cartledge Finance brings clarity to complex lending, so Geelong & Surf Coast business owners can move forward with confidence.
Specialist Finance Solutions for Business Owners
If you run a business, work for yourself, or draw income from a company or trust, you already know that finance can get complicated. Banks don't always understand your income structure, and many brokers aren't set up to handle the nuances of business lending.
Home loans designed for business owners and self-employed professionals with complex income structures.
Self-Employed Home Loans
Commercial Property
Purchase your business premises, expand operations, or invest in commercial property.
Business Lending
Finance for purchasing an established business, funding expansion, equipment, fit-outs, or working capital.
Investment Property
Build wealth through property investment while managing your business commitments.
Finance Support for Business Owners & Self-Employed Professionals
We specialises in helping established business owners across trades, construction, medical, consulting, and professional services, people who are purchasing property, expanding operations, refinancing, or restructuring existing lending.
Based on the Surf Coast, I work with clients across Geelong, Bellarine, Armstrong Creek, Ballarat, Golden Plains, Bendigo, Heathcote and throughout Victoria. I understand the local market and the businesses that drive it.
Making big financial decisions shouldn't feel overwhelming.
When your business income is complex, you need someone who understands how it all works, and what lenders actually look for.
I'm Grace Cartledge, a mortgage broker based on the Surf Coast with over 20 years of experience helping business owners and self-employed clients across Geelong, Bellarine, and Western Victoria with tailored finance solutions.
Rather than just arranging a loan, I become your strategic partner, someone who understands both your business and personal goals, simplifies the process, and stays with you as your situation changes.
Clarity, Guidance, and Confidence Through Complex Lending
Most business owners don't struggle to get a loan, they struggle to know if they're making the right decision. Banks move you between staff, give unclear answers, or recommend structures that don't fit where you're headed. What should support your growth often becomes a source of stress.
My role isn't just to arrange finance. It's to help you understand your options, talk through the risks and benefits, and structure lending that actually supports your business and personal goals over the long term.
Straightforward Finance
I explain your options in plain language so you understand what you’re stepping into before you sign anything. No jargon and no rushed decisions, just clear conversations so you can make an informed choice without needing to become a finance expert.
Always in Your Corner
I’ll be honest with you, even when the conversation is uncomfortable. If a structure or loan could create problems long term, I’ll say so. The goal isn’t quick approval, it’s making sure the decision actually supports your future.
We’ve Got It From Here
I handle the moving parts behind the scenes, speaking with lenders, coordinating with your accountant or solicitor, and managing the process so nothing important gets missed. You stay informed without needing to carry the workload.
The Whole Picture
Every recommendation considers your cash flow, business commitments and personal life together. Finance decisions shouldn’t be made in isolation, so we look at how everything connects before choosing a direction.
Ready to Get Clear on Your Finance Options?
Whether you're purchasing property, expanding your business, or reviewing your existing lending, let's have a conversation about what makes sense for your situation.
Book a consultation with Grace today and we'll talk through your goals, options, and next steps.
The Business Owners’ Guide to Finance
Applying for property or business finance as a business owner can feel confusing. Business types, ownership splits, and income structures vary, and all impact your application.
This free guide helps you get clear on your goals, understand what documentation you'll need, and prepare for a faster, more seamless finance application.