Mortgage Broker for Business Owners in Geelong & Surf Coast

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Clarity and Confidence for Business Owners

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Clarity and Confidence for Business Owners |

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 get the right finance in place.

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.

Book a consult today

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.

Finance Support for Business Owners & Self-Employed Professionals

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.

I specialise 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.

You might be:

  • Looking to purchase your business premises

  • Buying a family home while managing business income

  • Refinancing to improve cash flow or structure

  • Expanding your business or acquiring another

  • Investing in property to build long-term wealth

  • Dealing with complex income structures like trusts, companies, or partnerships

Local Service Across Geelong, Surf Coast & Western Victoria

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.

Book a consult today

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.

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’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.

The Whole
Picture

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.

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.

Clarity, Guidance, and Confidence Through Complex Lending

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’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.

The Whole
Picture

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.

Day One

Arrive & Meet

As everyone arrives, we take time to settle in, get comfortable, and begin connecting with those around us. The journey starts here.

Check-In

9:00 – 9:30am

Group Activity

11:00am

Lunch Break

12:30pm

Creative Workshop

2:00pm

Dinner

6:30pm

Day Two

Set Intentions & Reflect

Together, we pause to consider our goals, hopes, and direction. This is about aligning with ourselves and with the journey ahead. This is a chance to reconnect with what brought you here—your questions, your hopes, your turning points—and consider how they’ve shifted or deepened.

Check-In

9:00 – 9:30am

Group Activity

11:00am

Lunch Break

12:30pm

Creative Workshop

2:00pm

Dinner

6:30pm

Day Three

Look Forward & Wrap Up

We explore the possibilities beyond this moment, making space for growth, action, and forward momentum. As we end our time together, we honor the experience, the growth, and the connections made along the way.

Check-In

9:00 – 9:30am

Group Activity

11:00am

Lunch Break

12:30pm

Creative Workshop

2:00pm

Dinner

6:30pm

  • "What I love most is the flexibility. I can go at my own pace, revisit lessons, and keep learning whenever it works for me."

    Former Customer

  • "Even as a total beginner, I never felt lost. The step-by-step structure and encouragement along the way made all the difference."

    Former Customer

  • "This has been such a worthwhile investment in myself."

    Former Customer

How It Works

  • Browse our upcoming events to find the one that feels right for you. We host events year-round in all different locations and climates.

  • Sign up and pay all required fees to reserve your spot. If plans change, you can cancel up to 14 days before the retreat start to receive a 50% refund.

  • After booking, we'll send you a Welcome Packet with everything you need to know—detailed schedules, packing list recommendations, add-ons to consider, and more.

  • We'd recommend booking your transportation to and from the event as soon as possible, to ensure you can arrive without any complications or delays.

  • Now all that's left to do is pack your bags and get excited for your new adventure.

Book Your Stay

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