Esteb and Co - Credit Assistance & Loan Comparison Services | Australia
Credit Assistance Services • Licensed Australian Credit Representatives

Find Suitable Finance Options
Compare Loans from 83 Lenders

We provide credit assistance services to help you compare loan options from our lender panel. Esteb and Co does not lend money directly—we help you find finance that may suit your needs, subject to lender approval.

83
Lenders on Panel
2 min
Initial Assessment
$0
Cost to You*
Start Your Assessment → See How It Works
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ASIC Credit Rep #574070
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2 minutes • No credit impact • No obligation

About Our Credit Assistance Service

Esteb and Co provides credit assistance services. We are licensed credit representatives (ASIC Credit Rep #574070) authorised to help you compare loan options from our panel of lenders.

We do not lend money directly. Our role is to understand your financial situation, compare suitable options from our lender panel, and help you apply. All loan approvals are made by the lenders themselves, subject to their lending criteria and responsible lending assessments.

How we are paid: Our service is free to you. We receive commissions from lenders when a loan settles. This does not affect the rate you pay. You can request details of our commission arrangements at any time.

Before proceeding: We recommend you read our Credit Guide which explains our services, your rights, and how we handle complaints.

Start Your Initial Assessment

Answer 3 questions to see indicative options • No credit check at this stage

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

About Esteb and Co

✓ 11+ years finance industry experience
✓ Former lending experience at ASX-listed firm
✓ Credit assistance across home, car & business loans
✓ Esteb and Co Pty Ltd (ACN 681 636 056)
✓ ASIC Credit Representatives: 574070, 574071

Finance Industry Experience

Background across various lending scenarios

📋

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 →

Loan Types We Can Help With

Credit assistance across various loan categories

🏠

Home Loans

First home, refinance, investment properties

83 lenders
→
🚗

Car Loans

New, used, electric vehicles

15+ lenders
→
💼

Business Loans

Working capital, equipment, expansion

12+ lenders
→
💳

Personal Loans

Quick funding for life events, travel, medical

9 lenders
→
🏢

SMSF Loans

Property investment via self-managed super

2 lenders
→
💰

Debt Consolidation

Combine multiple debts into one payment

15 lenders
→
📈

Business Debt Consolidation

Simplify business debts, improve cash flow

12 lenders
→
📊

Securities Lending

Leverage your investment portfolio

8 lenders
→
🏦

Private Lending

Flexible options for unique situations

10 lenders
→

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

We Compare Options From Our Panel

Our system compares options from our 83 lender panel based on your information. We provide:

  • ✓ Indicative match scores based on lender criteria
  • ✓ Estimated likelihood of approval (not guaranteed)
  • ✓ Indicative rate ranges based on your profile
  • ✓ DTI and LVR estimates
✓ Panel comparison tool
3

Review Indicative Options

Results are categorised by estimated suitability:

  • 🌟 Potentially Suitable - Higher estimated match to lender criteria
  • ✓ May Be Possible - Moderate estimated match
  • ? Further Assessment Needed - Additional information may help
✓ Indicative results only
4

Proceed With Your Application

If you wish to proceed, we help you complete your application. Final approval is at the lender's discretion, subject to their assessment and responsible lending obligations.

✓ Credit assistance support
Start Your Assessment →

2 minutes • No credit impact • No obligation

Not ready to start? Explore your options first.

Use Calculator Read FAQ Call Us

Our Approach

Technology-assisted credit assistance

Traditional Approach

  • Manual lender comparison
  • Published advertised rates
  • Basic eligibility assessment
  • Limited visibility of options
  • Varies by broker's panel
  • Varying timeframes

Esteb and Co Approach

  • Systematic comparison across our 83 lender panel
  • Indicative rate estimates based on your profile
  • Estimated suitability scores (indicative only)
  • Estimated approval likelihood (not guaranteed)
  • 83 lenders on our panel
  • Initial results typically within 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

About Our Service

We believe in transparency

✓ What We Offer

  • Access to 83 lenders on our panel
  • Technology-assisted comparison tool
  • Indicative matching based on your circumstances
  • Licensed Australian credit representatives
  • Secure, encrypted platform
  • Access to major banks and non-bank lenders

Important to Note

  • We do not lend money directly
  • All approvals are at the lender's discretion
  • Results are indicative, not guaranteed
  • We do not compare all products in the market

Our role: We provide credit assistance services to help you compare options and navigate the application process. Final lending decisions are made by the lenders themselves.

Our Commitment

We are committed to providing thorough comparisons across our lender panel. If you believe we have missed a suitable option, please contact us and we will review your circumstances. All recommendations are subject to lender approval and individual assessment.

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

Lender availability and criteria may vary. Not all lenders may be suitable for all circumstances.

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 Explore Your Options?

Compare loan options from our panel of 83 lenders

Start Your Assessment →

2 minutes • No credit impact • No obligation

Ricky Esteb - Licensed Mortgage Broker
Richard (Ricky) Esteb
Licensed Mortgage Broker & Founder
Credit Rep #574071 ACN 681 636 056 83+ Lender Panel

With direct experience helping Australians secure home loans, car finance, and business funding, Ricky founded Esteb and Co to bring transparency and technology to mortgage broking. Every piece of content is written from real-world lending experience.

✓ Verified & Last Reviewed: December 2025 | Content meets ASIC regulatory requirements
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📋

Before You Go

Would you like to compare loan options from our panel of lenders?

Our credit assistance service includes:
  • Compare options from 83 lenders
  • Indicative suitability assessment
  • No credit check at initial stage
Start My Assessment →

We are paid by lenders, not you • Approx. 2 minutes