When you get in touch, a finance broker answers. Not a call centre.
Questions about your options, your smart-form results, or where to start? Reach us however suits you — every channel below lands with the broker (Mon–Fri, 9am–6pm AEST).
Fully digital brokerage · phone, email & video · Credit Rep #574071Talk to Richard, or answer eight questions.
Either one gets you a real person looking at your numbers. Prefer to write it down? The enquiry form is further down.
Four ways in. Pick whichever suits the question.
Every channel is monitored during business hours — there's no triage queue between you and an answer.
Call or text
0485 091 282Best for quick questions, talking through your results, or anything urgent.
✉Best for detailed questions, sharing documents, or anything non-urgent.
◷Book a session
Pick a timeBest for a proper conversation — a phone or video session at a time that suits you.
▤Smart form
Check my optionsBest if you'd rather see where you stand first — a few minutes, fully self-serve.
We reply — fast
Emails and enquiry forms: we reply during business hours (Mon–Fri 9am–6pm AEST). Calls are answered live or returned the same business day. After hours, expect a reply the next business day by 10am.
You talk to the broker
Your reply comes from Richard Esteb, the licensed finance broker who'd actually handle your file — not a sales team working a script.
No obligation, no pressure
An enquiry is not a loan application. Ask your questions, take the answers, and decide in your own time whether to go further.
Response times are our service aim during business hours (Mon–Fri 9am–6pm AEST), not a guarantee of instant contact. Public holidays excluded.
Prefer to write it down? Use the enquiry form.
Tell us what you're weighing up — the more detail, the more useful the first reply.
Message sent
We've received your enquiry and will reply during business hours (Mon–Fri 9am–6pm AEST).
Check your email inbox (including spam/junk folder) for our response.
Something went wrong
Sorry, there was an issue submitting your form. Please try again or contact us directly at ricky@estebandco.com
A digital brokerage — here's how that works in practice.
◷ Business hours & response times
- Monday – Friday9:00am – 6:00pm AEST
- Saturday & SundayClosed
- Public holidaysClosed
- Email / formReplied to during business hours
- PhoneAnswered live or callback within 1 hour
- After hoursNext business day by 10am
◇ Where we are
Esteb & CoUnit 21, 74-76 Hillview Parade
Ashmore QLD 4214
0485 091 282
ricky@estebandco.com
We work digitally, so there are no walk-ins — meetings run by phone or video call, and documents move through our secure portal or encrypted email. It keeps the overheads down and the responses fast.
Already done the smart form?
Mention the email address you used when you get in touch. We can walk through your results together — why certain lenders came up, what they'd want to see, and what a sensible next step looks like for your situation.
Haven't done it yet? You don't have to before contacting us — but for specific lender comparisons it's the fastest starting point: check your options.
Before you reach out.
Do I need to contact you to use your service?
No. The smart form is fully self-serve — you'll see your lender matches without needing to speak to anyone. Contact us if you have questions, or if you'd like a broker to walk through the results with you.
Can I visit your office in person?
We're a fully digital brokerage based in Ashmore, Queensland — there's no walk-in office. Everything runs by phone, email, video call or our secure portal, which keeps costs down and lets us invest in the tools that make the process faster for you.
How quickly will you respond?
We reply during business hours (Mon–Fri 9am–6pm AEST). After hours or on weekends, expect a reply the next business day by 10am. If it's urgent, call — that's the fastest channel.
Is there a cost to contact you?
No. There are no fees to speak with us or ask questions. We are paid commission by the lender when a loan settles. On complex regulated loans we may charge a file fee, and on private lending through Esteb Capital we charge a placement mandate; every fee is quoted in writing and agreed before we recommend a lender or lodge anything. If a fee were ever to apply, we'd disclose it in writing before you commit to anything.
What if I've already completed the smart form?
Mention the email address you used when you contact us. We can review your results together — explain why certain lenders were matched, what they look for, and help you weigh up the options.
Can you help if I haven't done the smart form yet?
Yes — we can answer general loan questions, explain how the lender matching works, or tell you what information you'll need. For specific lender comparisons, completing the smart form first gives us the detail to be genuinely useful.
Not ready to talk yet? Start with the smart form.
See where you stand first — a few minutes, fully self-serve, no phone call required. Then reach out whenever a question comes up.
Check my options →