11+ Years Lending Experience • Licensed Australian Broker

Save $50K+ on Your Loan
Compare 83 Lenders in 2 Minutes

Get matched with the best lender for your situation. Our algorithm compares rates, fees, and approval probability across 83 lenders instantly—saving you thousands.

83
Lenders Compared
2 min
Assessment Time
100%
Free Service
256-bit SSL Encryption
ASIC Licensed
Privacy Protected

No impact on credit score • No obligation • Instant results

Get Your Best Rate in 3 Quick Questions

No credit check • Takes 30 seconds • Instant results

🔒 Your information is secure and will not affect your credit score

Why Trust Esteb and Co?

11+ years in private lending
Former lender & marketing manager at ASX-listed firm
Funded 100s of developments & projects
Licensed Australian broker (ACN 681 636 056)
ASIC Credit Representatives: 574070, 574071

From Saving Deposits to Funding $20M Developments

Real deals from 11 years of lending experience

📋

Saved $50K+ Deposit

When a client's license expired mid-application and banks said no, we secured finance against existing property to save the deposit and complete the purchase.

🏗️

$5M to $20M+ Development

Funded Rochdale, QLD developer branching out from day job. 20+ lot subdivision created $20M+ total value, $15M+ profit.

📊

70% LVR Securities Lending

Structured sophisticated securities lending for HNW client to purchase home while maintaining stock control and staying under ASX 5% disclosure threshold.

💼

Business Turnaround

Debt consolidation saved businesses from "going under"—reduced repayments 40-60%, freed up capital, many went on to expand to multiple locations.

🏘️

13-Stage Development

Rolling finance for Lowood, QLD house & land project. First mortgages on unsold stock AND undeveloped stages allowed seamless progression through all 13 stages.

🏫

Childcare Centre Expansion

Funded multiple childcare operators expanding from 1-2 centers to 3-5+ locations by understanding portfolio risk and sector-specific complexities banks won't touch.

See All 9 Case Studies →

Compare Loans Across All Categories

Our technology works for every loan type

How Our Technology Works

Built by developers, designed for you

1

2-Minute Quick Assessment

Tell us about your loan needs. Our system collects only what's needed for accurate matching—no unnecessary questions.

✓ Intelligent form logic
2

Algorithm Matches You with Lenders

Our matching algorithm analyzes 83 lenders instantly. We calculate:

  • ✓ Match confidence score (0-100%)
  • ✓ Approval probability
  • ✓ Personalized rate (not just advertised rates)
  • ✓ DTI and LVR calculations
✓ Smart scoring algorithm
3

See Your Best Options, Ranked

Get results categorized by match quality:

  • 🌟 Recommended - 70%+ match, high approval probability
  • Possible - 50-69% match, good options
  • ? Near matches - Shows what you need to qualify
✓ Multi-factor sorting
4

Apply with Confidence

Choose your best match and apply. We handle the paperwork and communicate with the lender on your behalf.

✓ Streamlined process

Why Technology Matters

We're new to brokerage, but our tech isn't

❌ Traditional Brokers

  • Manual lender comparison
  • Generic advertised rates
  • Binary yes/no matching
  • No approval probability shown
  • Limited to broker's known lenders
  • Days to get results

✅ Esteb and Co (Tech-Powered)

  • Algorithmic comparison of 83 lenders
  • Personalized rates based on your profile
  • Match confidence scores (0-100%)
  • Approval probability indicators (75-95%)
  • Complete lender database always updated
  • Instant results in 2 minutes

🔬 How Our Algorithm Works

Our matching algorithm (800+ lines of code) scores each lender based on:

LVR Quality
30 points
Income Strength
25 points
Credit Quality
25 points
Employment
10 points
Savings
10 points
Specialty Bonuses
15 points

= 100-point match score + approval probability + personalized rate

Real Data, Real Transparency

We're new, and we're honest about it

✓ What We Have

  • 83-lender database (verified)
  • Advanced matching algorithm
  • Instant comparison technology
  • Full Australian broker licensing
  • Secure, encrypted platform
  • Access to all major lenders

⚠️ What We Don't Have (Yet)

  • Decades of experience
  • Thousands of past clients
  • Industry awards
  • Big marketing budget

Why choose us anyway? Because our technology gives you what experience can't—instant, unbiased, data-driven lender matching. Every time.

Our Guarantee

If our algorithm misses a better option that a traditional broker finds, we'll match it. We're that confident in our tech.

Our Lender Network

83 lenders across all categories

Major Banks (Big 4)

Commonwealth Bank Westpac NAB ANZ

Regional & Specialist Banks (12)

Bankwest Bank of Queensland Bendigo Bank Suncorp AMP Bank ING Macquarie +5 more

Non-Bank Lenders (16+)

Pepper Money Liberty Financial La Trobe Financial Resimac FirstMac Bluestone +10 more

All lenders verified and actively accepting applications as of October 2025.

Frequently Asked Questions

Everything you need to know about our service

Still have questions?

Our team is here to help. Get in touch and we'll respond within 24 hours.

Call 0424 406 977 Contact Form

Ready to Find Your Best Loan?

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What you get:
  • Compare 83 lenders instantly
  • Match confidence scores
  • No credit check
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