Whether you're a first-time home buyer, a seasoned investor or a business needing finance for a commercial premises, Grace Loans is committed to helping you find the right loan product to suit your needs. Based in Toronto, NSW, we offer a comprehensive range of services, including home loans, mortgages, financing, home loan refinancing, mortgage refinancing, investment loans, investment mortgages, and investment financing. We also offer car loans, vehicle finance, business finance, commercial property finance unsecured lending and equipment finance. Mortgage protection insurance is also available to give you peace of mind should the unexpected occur.

Financial Planning

Rick Latimore and Chris Keating established When Financial Solutions Newcastle in 2022, as one of the few independent financial planning offerings in the Hunter region. We believe that advisers should be independent from product manufacturers, so they are free to serve our clients and our clients alone. We are committed to independence, evidenced in three ways: We are commission-free and don’t receive incentive payments from product manufacturers and; We don’t have any ownership links or affiliations with product manufacturers; We don’t charge asset-based fees. Our advice is unbiased, we are free to recommend any product approved by two independent research houses. Our Advice Approach Care and consideration – we take the time to understand and align our advice to your values and beliefs. Confidence – help facilitate confident spending decisions Respect – It is your money, and we plan to build on your success Beyond money –success is more than just money. Flexibility – we plan to adapt to changes in your life, Collaboration – work closely with your trusted relationships. Our Investment Beliefs Transparency Quality Diversification Cost and fees matter Discipline Rick has worked in financial services for more than 15 years, and as a financial planner for almost 10 years. Chris has worked in financial services since 2008, and as a financial planner for more than 10 years. They both worked at Stateplus / Aware Super Financial Services, gaining extensive experience in retirement planning and have a deep knowledge of the complexities of government-defined benefit schemes. We support our clients with many different products, including, but not limited, to Australiansuper, Aware Super, Hesta Super, Colonial First State, Unisuper, Australian Retirement Trust, Vanguard, Macquarie Wrap, Rest, HUB24, BT, IOOF, Netwealth.

Coal Services is a Specialised Health and Safety Scheme that provides an integrated suite of services to help identify, assess, monitor, and control many risks inherent in the coal industry. Our preventative and responsive services in the areas of workplace health and safety, workers' compensation, emergency response, and training help to deliver on our purpose, ‘to protect’. We are owned by the industry for the industry. Our shareholders are the Mining and Energy Union and the NSW Minerals Council. Our purpose, vision, and values are aligned to focus on the safety and health of our industry and its workers.

At various stages in life we all have to deal with some big decisions. At Oneplan Life we understand that our clients all have their own journeys through life, and our financial consultants are here to help you through it as unscathed as possible. We specialise in Newcastle life insurance and superannuation, providing you with sound and knowledgeable advice about your options. Spanning over personal insurance, business insurance and superannuation, our friendly and professional team at Oneplan Life offer advice for a range of insurance covers. These include life insurance, income protection insurance, business expenses insurance, trauma insurance, wealth and asset protection, disability insurance and estate planning. Let the compassionate consultants at Oneplan Life help you create one easy insurance plan for many facets of your life. Whatever your life insurance or superannuation needs, we are passionate about finding the right cover for your unique circumstances at the right premium. We have trusted partnership arrangements with many financial companies and are an authorised representative of Guardian Advice. Guardian Advice deals with all aspects of financial planning, specialising in life insurance advice. Established in 2001, One Plan Life has been helping many clients find the right insurance cover for many years. Our boutique practice specialises in tailored solutions to meet the individual's financial needs rather taking a one-size-fits-all approach. Talk to our Newcastle consultants today and discover true peace of mind.

We are accountants, financial planners, tax advisors and business strategists whose aim is to help you achieve financial success. Our advisory services are an extremely valuable part of what we do, giving you guidance to effectively manage your finances, develop an effective tax strategy or increase your future profits. Created in 2021, Collective Financial Partners is the result of the combination of two successful businesses – Bridges Lake Macquarie and WP Partners – to become a united independent brand. Collective Financial Partners will offer you more options, additional expertise, and further benefits, as well as the same financial specialists that you’ve become so familiar with. With offices based in Boolaroo and Thornton, we aspire to provide a range of services and quality experience that is in line with your unique financial needs and reflects the communities we operate within.

Nationwide Super is a multi-industry fund, meaning it doesn't matter which industry you are employed in, you can keep your super with NSF. NSF offers members strong long-term returns and a competitive fee structure, returning all profits to its members.