Australia-wide digital mortgage broker comparing 83 lenders to find the right match for every client.
11+
Years Experience
83
Lenders Compared
Australia-Wide
Remote / Digital Broker
About Ricky
Ricky started his career on the lender side of the industry, spending over a decade inside private lending -- approving and declining applications, funding developments and projects, and gaining deep insight into how lenders actually assess risk and make decisions. He worked first as a lender funding real deals, then as Marketing Manager at an ASX-listed private lender, where he assessed thousands of applications across residential, commercial, and development sectors.
That experience gave him something most mortgage brokers never get: a genuine understanding of how the other side of the table thinks. He saw firsthand why good borrowers were being turned away by lenders whose policies simply did not suit their situation -- and how the right lender match could change everything.
Ricky moved to mortgage broking to help borrowers navigate the system, founding Esteb and Co to combine real lending experience with technology that compares 83 lenders objectively. Instead of relying on relationships with a handful of preferred lenders, Esteb and Co uses a data-driven matching algorithm to evaluate every lender on the panel for each individual client.
The result: clients get matched with lenders whose policies, rates, and criteria genuinely fit their situation -- whether they are a first home buyer with a 5% deposit, a self-employed borrower with complex income, or an investor structuring their portfolio for tax efficiency.
