Australia’s Trusted
Mortgage Brokerage and Lending Advisory
Gravity Financial provides strategic property finance and tailored lending solutions for Australian home buyers, property investors and business owners. We help clients structure home loans, investment finance, refinancing, equity release and commercial lending around their current position and long-term goals.
MoreThananInterestRate
Effective property finance requires the right loan structure, lender policy and long-term strategy—not simply the lowest advertised rate.
Strategic Loan Structuring
We assess loan structure, security, repayment options and lender policy in the context of your current position and future property goals.
Broad Lender Access
We compare suitable lending options across a broad panel of Australian banks, regional lenders and specialist non-bank lenders.
Borrowing Capacity Focus
We assess how lender policies, existing commitments, income and proposed loan structures may affect borrowing capacity.
Ongoing Lending Reviews
Where applicable, we review existing lending as circumstances and property objectives change.
PropertyFinanceforEveryStage
From purchasing a home to refinancing, accessing equity or funding the next property investment, we structure lending solutions around your objectives and financial position.
Home Loans
Tailored home loan solutions for first-home buyers, owner-occupiers and clients planning their next property purchase.
Investment Loans and Portfolio Growth
Investment finance structured to support property acquisition, portfolio growth and future borrowing requirements.
Refinancing and Equity Release
Review existing lending, explore refinancing opportunities and assess whether available property equity can support your next objective.
Commercial and Asset-Backed Lending
Commercial property, business and asset-backed lending solutions structured around the requirements of the transaction.
Construction and Development Finance
Finance solutions for residential construction, commercial projects and property development, subject to lender policy and project feasibility.
FromStrategytoSettlement
A structured and transparent lending journey designed to navigate lender requirements and deliver clear outcomes.
Assess
We review your property objectives, financial position, existing lending, available equity and borrowing requirements.
Structure
We compare suitable lender policies and structure the proposed lending around your transaction and longer-term objectives.
Apply and Settle
We prepare and manage the application, coordinate with relevant parties and support the process through approval and settlement.
ModelYourPropertyFinanceScenario
Explore borrowing capacity, loan repayment and refinancing calculators to understand different property finance scenarios before speaking with a broker.
Adjust Finance Parameters
Submit your property scenario parameters and our senior broker team will prepare your exact calculation report and repayment options.
Borrowing Capacity Calculator
Estimate potential borrowing capacity based on income, general living commitments and benchmark assessment buffers.
Loan Repayment Calculator
Model principal and interest or interest-only repayments across weekly, fortnightly or monthly repayment frequencies.
Refinancing & Equity Calculator
Assess potential repayment adjustments and usable equity scenarios when restructuring your existing home or investment loans.
Stamp Duty Calculator
State-by-state Australian stamp duty estimates and property purchase cost breakdowns.
Disclaimer: Calculator results are estimates only and do not constitute personal credit, financial or tax advice. Actual borrowing capacity, rates, fees and loan approval depend on individual circumstances and lender assessment.
Access to 40+ Australian Lenders
We assess lending options across major banks, regional lenders and specialist non-bank lenders to identify solutions relevant to the client’s circumstances and objectives.
Australia's largest residential lender
Competitive expat & business policies
Leading commercial & investment products
Strong first home & family guarantee options
Fast turnarounds & market-leading tech
Digital-first offset accounts
Award-winning low variable rates
Flexible property investor niches
Personalized specialist banker support
Specialist master facility structures
Great family pledge options
Victorian property finance specialist
South Australian property lending leader
Community-aligned banking & competitive rates
Straightforward low-cost residential loans
Broker-focused efficient processing
Global banking & foreign income support
High-net-worth borrowing facilities
Flexible alt-doc & self-employed lending
Customized solutions for complex credit
Australia's largest residential lender
Competitive expat & business policies
Leading commercial & investment products
Strong first home & family guarantee options
Fast turnarounds & market-leading tech
Digital-first offset accounts
Award-winning low variable rates
Flexible property investor niches
Personalized specialist banker support
Specialist master facility structures
Great family pledge options
Victorian property finance specialist
South Australian property lending leader
Community-aligned banking & competitive rates
Straightforward low-cost residential loans
Broker-focused efficient processing
Global banking & foreign income support
High-net-worth borrowing facilities
Flexible alt-doc & self-employed lending
Customized solutions for complex credit
Australia's largest residential lender
Competitive expat & business policies
Leading commercial & investment products
Strong first home & family guarantee options
Fast turnarounds & market-leading tech
Digital-first offset accounts
Award-winning low variable rates
Flexible property investor niches
Personalized specialist banker support
Specialist master facility structures
Great family pledge options
Victorian property finance specialist
South Australian property lending leader
Community-aligned banking & competitive rates
Straightforward low-cost residential loans
Broker-focused efficient processing
Global banking & foreign income support
High-net-worth borrowing facilities
Flexible alt-doc & self-employed lending
Customized solutions for complex credit
Real-life lending & flexible income assessments
Australia's premier credit asset manager
Sharp wholesale non-bank variable rates
Dedicated funding for the self-employed
Specialist credit & fast approvals
Specialist commercial & SMSF property lending
Customer-owned B-Corp financial institution
Essential worker benefits & ethical banking
Dedicated first home buyer programs
Member-owned national network
Trusted regional mortgage specialist
Bespoke residential solutions
Rewards-linked home loans & low fees
Competitive fixed & variable offerings
Personal loans & quick asset facilities
Reverse mortgage & seniors equity release
Relationship-led SME & business banking
Fast digital car & green energy loans
Specialist automotive & equipment finance
Commercial auto & equipment specialist
Real-life lending & flexible income assessments
Australia's premier credit asset manager
Sharp wholesale non-bank variable rates
Dedicated funding for the self-employed
Specialist credit & fast approvals
Specialist commercial & SMSF property lending
Customer-owned B-Corp financial institution
Essential worker benefits & ethical banking
Dedicated first home buyer programs
Member-owned national network
Trusted regional mortgage specialist
Bespoke residential solutions
Rewards-linked home loans & low fees
Competitive fixed & variable offerings
Personal loans & quick asset facilities
Reverse mortgage & seniors equity release
Relationship-led SME & business banking
Fast digital car & green energy loans
Specialist automotive & equipment finance
Commercial auto & equipment specialist
Real-life lending & flexible income assessments
Australia's premier credit asset manager
Sharp wholesale non-bank variable rates
Dedicated funding for the self-employed
Specialist credit & fast approvals
Specialist commercial & SMSF property lending
Customer-owned B-Corp financial institution
Essential worker benefits & ethical banking
Dedicated first home buyer programs
Member-owned national network
Trusted regional mortgage specialist
Bespoke residential solutions
Rewards-linked home loans & low fees
Competitive fixed & variable offerings
Personal loans & quick asset facilities
Reverse mortgage & seniors equity release
Relationship-led SME & business banking
Fast digital car & green energy loans
Specialist automotive & equipment finance
Commercial auto & equipment specialist
Property Finance in Practice
See how clients have worked with Gravity Financial across home loans, investment finance, refinancing and property lending.
“Gravity Financial assessed our property position and showed us how to access usable equity to support our next investment purchase. They structured our loans cleanly to avoid cross-collateralisation and ensure our securities remained separate.”
Plan Your Next Property Move
Whether you are purchasing, refinancing, accessing equity or building a property portfolio, speak with Gravity Financial about a lending structure suited to your objectives.