Mortgage Broker for Business Owners in Geelong & Surf Coast
Professional mortgage broker in Geelong & Surf Coast helping business owners navigate complex lending. 20+ years experience with self-employed home loans.
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.
Self-Employed Home Loans
Home loans designed for business owners and self-employed professionals with complex income structures. I understand what lenders need and how to present your application for approval.
Commercial Property Finance
Purchase your business premises, expand operations, or invest in commercial property. I guide you through the requirements and help structure finance that supports your business goals.
Business Lending & Expansion
Finance for purchasing an established business, funding expansion, equipment, fit-outs, or working capital. Structured to support your growth without over-extending.
Refinancing & Restructuring
Review your existing lending to improve rates, cash flow, or structure. I help you understand whether refinancing makes sense and what it will actually achieve.
Investment Property Loans
Build wealth through property investment while managing your business commitments. I structure lending that fits your long-term strategy and protects your cash flow.
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.
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.
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.
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.
Why Business Owners Choose to Work With Me
20+ Years Specialising in Business Owner Lending
I've spent over two decades working with business owners, understanding complex income structures, and navigating scenarios that don't fit standard lending criteria. I know what lenders need to see and how to present your application effectively.
I Understand Business & Personal Goals Together
Your lending decisions affect both your business operations and your family life. I consider the whole picture, cash flow, risk, timing, and your long-term plans, so you can make confident decisions.
Honest, Clear Communication
I explain finance in plain language, talk through the hard things when needed, and make sure you understand both the benefits and the risks. No pressure, no jargon, just straightforward guidance.
Local Knowledge, Personal Service
I live and work in the region, understand the local market, and build lasting relationships with my clients. You'll work with me directly, not a different person every time.
1. Initial Conversation
We start with an consultation to understand your situation, goals, and what you're trying to achieve. This helps me provide guidance tailored to where you're headed.
How the Finance Process Works
2. Strategy & Structure
We then review your options, explain what lenders will look for, and recommend a structure that supports your business and personal circumstances. We talk through timing, risks, and next steps.
3. Application & Coordination
We prepare your application, liaise with lenders, and coordinate with your accountant and solicitor. You stay informed throughout without needing to manage every detail.
4. Settlement & Beyond
Once your loan settles, I stay in touch for ongoing support, whether that's refinancing, future purchases, or answering questions as your situation evolves.
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 als, options, and next steps.