Our Mortgage Broking Services

Home Loans

Find the right loan for your lifestyle and future goals with access to a wide panel of Australia’s leading lenders.

First Home Buyer Loans

Buying your first home is exciting — but it can also feel overwhelming. At Grounded Finance, we make the process simple, clear, and stress-free.

Our experienced mortgage brokers guide you through every step, from understanding how much you can borrow to finding the right loan from a wide range of lenders. We explain government grants and first home buyer schemes, help you structure your loan correctly, and handle the paperwork so you can focus on finding the perfect home.

Refinance & Better Rates

Review your current mortgage and potentially reduce your repayments, access equity or consolidate debt. We compare home loan refinance options from a wide range of lenders to find competitive rates that suit your financial goals. Whether you’re looking to lower your monthly repayments, consolidate debts, renovate your home, or switch lenders for a better deal, we make the refinancing process simple and stress-free.

Our team handles the research, lender comparisons, and paperwork, ensuring a smooth transition to your new loan with minimal disruption.

Self-Employed Home Loans

Flexible solutions for business owners, ABN holders and contractors who don’t fit the standard lending box. Getting a home loan when you’re self-employed can be more complex, but it doesn’t have to be difficult. At Grounded Finance, we specialise in helping self-employed borrowers secure home loans in Australia, even when income structures are different from standard PAYG applicants.

Construction Loans

Build your dream home with structured progress payments and a lending strategy designed for your build.

Investment Property Loans

Grow your property portfolio with smart loan structuring and long-term planning.

Take the stress out of finding the right loan with our personalized approach.

We're here to guide you every step of the way, ensuring you find the financial support that perfectly fits your needs and goals.

Finance Strategy Solutions for..

  • First Home Buyers

  • Self-Employed borrowers

  • PAYG Professionals

  • Growing Families - upgrading homes

  • Property Investors

  • Refinance Clients - Looking for a review of their existing Home Loans, to improve cash-flow or access equity within their existing Property

  • and more

While we mainly work with clients across Lake Macquarie, Newcastle, the Hunter Region, no matter where you are in Australia, we make the process simple and fully supported.

The Grounded Finance Process

1. Finance Strategy Call

This is a short 20-minute phone call where we take time to learn about your goals, finances and future plans.

2. Tailored Loan Strategy

We review your financial position, assess your borrowing capacity, and recommend a tailored loan strategy. We also compare lenders to find competitive options for your financial situation, goals, and borrowing needs.

3. Application & Approval

Our team helps you gather the required documents and prepares your loan application to ensure everything is accurate and complete before submitting to the lender.

We take care of the paperwork and liaise with the lender on your behalf, making the process simple and stress-free.

4. Settlement & Ongoing Support

After final approval, the lender prepares loan documents and coordinates settlement. We guide you through the final steps so everything runs smoothly until your loan is settled.

We’re with you for the life of your loan — not just the transaction.

First home byuer

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