Grace Cartledge supports Business Owners and Self-Employed Clients considering Commercial Property purchases and refinancing. Based on the Surf Coast, Grace works with clients across Geelong, Bellarine, Armstrong Creek, Ballarat, Golden Plains, Bendigo and Heathcote, supporting clients as they explore how Commercial Property may fit within their long-term Business and Personal goals.

For many Business Owners, the decision to purchase or refinance Commercial Property can represent a significant shift in how their Business operates. Owning business premises may sit alongside existing Home Loans, Residential Investment property or other lending commitments and can influence cash flow, borrowing capacity and future flexibility. These interactions are not always immediately visible when Commercial Property is considered in isolation.

Commercial Property Finance often involves a different set of considerations to residential lending. Lender requirements, lease structures, entity arrangements and income assessment can vary depending on the nature of the property and the business involved. For self-Employed clients, Commercial Property decisions may also intersect with longer-term business plans, growth objectives or succession considerations.

As a Finance Broker, Grace supports business owners by working across commercial property purchases and refinances, alongside related residential and business finance considerations where relevant.

With over 20 years’ experience in the finance industry, Grace works with clients who value a coordinated and structured approach. Rather than focusing on a single transaction, her work centres on helping Business Owners navigate lender requirements and application processes in a way that reflects their broader position and existing commitments.