No — while we’re proudly based in Lake Macquarie, we work with clients in Newcastle, the Hunter Region and across Australia via phone, video and online appointments. No matter where you’re located, you’ll receive the same personalised support.

Absolutely. We specialise in first home buyer loans, including:

• Low-deposit home loan options

• First Home Guarantee & government schemes

• Understanding your borrowing power

• Step-by-step guidance from start to settlement

We make the process clear, supportive and tailored to you.

Yes. We structure construction loans to suit your build, including:

• Progress payment schedules

• Land + build packages

• Upfront approval so you can build with confidence

Yes — being self-employed doesn’t stop you from getting a home loan. At Grounded Finance, we specialise in self-employed home loans and work with lenders who understand business owners, ABN holders, sole traders, partnerships and company directors.

With over 20 years in the finance industry, we look at your mortgage as part of your bigger financial picture — not just a transaction.

We’re:
✔ Local to Lake Macquarie
✔ Australia-wide service
✔ Education-first and relationship-driven
✔ Focused on long-term financial stability

The first step is a free, no-obligation discovery call where we:

• Understand your goals

• Assess your borrowing power

• Map out your next steps

Book your free discovery call with Grounded Finance today.

Nothing in most cases. For most home loans, you don’t pay us a broker fee. The lender pays us a commission when your loan settles and may also pay us an ongoing commission while your loan remains in place. In some circumstances, such as a complex lending application that requires additional research or assessment, we may charge a broker fee. If a fee applies, we’ll explain why and give you a written quote showing how much it is and when it’s payable. We’ll only proceed once you’ve signed the quote.