Grace Cartledge provides Finance Broking support to Business Owners and Self-Employed Clients considering Residential Property Purchases and Refinancing. Based on the Surf Coast, Grace works with clients across Geelong, Bellarine, Armstrong Creek, Ballarat, Golden Plains, Bendigo, Heathcote and Regional Victoria.

Residential property decisions for Business Owners are rarely isolated. An Owner-Occupied Home Loan may sit alongside Business Lending, future Commercial Property plans or Residential Investment Property. Refinancing is often explored when circumstances change, equity becomes available or existing loan structures no longer reflect how a household or business operates.

Residential Investment property is also commonly considered as part of longer-term wealth building. For Self-Employed Clients, this involves understanding how personal lending capacity interacts with business commitments and how future property decisions may affect flexibility over time. Viewing these considerations together can be particularly important as lending arrangements become more interconnected.

With over 20 years’ experience in the finance industry, Grace supports Clients who value a structured and coordinated approach. Engagement typically begins with a professional, no-obligation conversation to understand goals and may involve reviewing existing arrangements, coordinating with advisers where appropriate and facilitating the application and settlement process.