Home Loan Learning Center - Guides, Calculators & Resources | Esteb and Co
Learning Center

Master Your Home Loan Journey

Free guides, calculators, and expert articles. Everything you need to understand home loans, compare options, and make confident decisions.

Browse by Topic

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First Home Buyer

Complete guide to buying your first home. Grants, schemes, timelines, savings tips, and common mistakes to avoid.
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Refinancing

Learn when and how to refinance. Calculate potential savings, understand the process, and find the best new rates.
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Interest Rates

Current rates from all major lenders. Understand fixed vs variable, comparison rates, and rate forecasts.
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Compare Lenders

Side-by-side lender comparison. Big 4 vs online banks vs specialists. Find the right lender for YOU.
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Bad Credit Loans

Options for credit defaults, low scores, bankruptcy. Specialist lenders and how to improve your chances.
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Pre-Approval

What is pre-approval, why you need it, and how to get approved in 24 hours. Essential before house hunting.

Free Tools & Calculators

Interactive tools to help you plan your home loan. Calculate borrowing power, repayments, and more.

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Borrowing Power Calculator

Find out how much you can borrow based on your income, expenses, and commitments.

Calculate Now →
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Repayment Calculator

Calculate your monthly repayments for different loan amounts and interest rates.

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LVR Calculator

Calculate your Loan-to-Value Ratio and see if you'll need to pay LMI.

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Comparison Rate Calculator

Calculate the true cost of a loan including fees, not just the interest rate.

Calculate Now →
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Stamp Duty Calculator

Estimate stamp duty costs for your property purchase in your state.

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Refinance Savings Calculator

See how much you could save by refinancing to a lower interest rate.

Calculate Now →
View All Calculators →

Latest Blog Articles

First Home Buyer

5 Mistakes First Home Buyers Make

Learn the most common mistakes and how to avoid them.

5 min read
Refinancing

Is Now the Right Time to Refinance?

Discover if refinancing could save you money.

6 min read
Market Update

Interest Rate Predictions for 2026

What experts say about where rates are heading.

7 min read
View All Articles →

Browse by Location

Get local market insights, property prices, and lender information for your city.

Sydney

NSW • $1.42M median

Melbourne

VIC • $1.08M median

Brisbane

QLD • $895K median

Perth

WA • $730K median

Adelaide

SA • $795K median

Quick Links

❓ FAQ

25+ common questions answered

🏦 All Lenders

83 lender reviews & rates

📋 Credit Guide

How we work, commissions, disclosures

⭐ Reviews

Customer testimonials & success stories

Ready to Find Your Perfect Home Loan?

You've done the research. Now let us find you the best lender and rate for your situation.

Start Your Assessment →

✓ 2 minute assessment ✓ No credit check ✓ Compare 83 lenders ✓ Free expert advice

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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