You've earned your client's trust. A referral shouldn't spend it.
Accountants, financial planners, real-estate agents and solicitors refer clients to us for one reason: the lending gets handled properly, and the relationship stays exactly where it belongs — with you. We take the finance work off your desk, keep you informed at every milestone, and never cross-sell into your patch. Specialist finance broking across a panel of 50 lenders.
Three moves. No paperwork from you, no disruption to your practice.
The whole arrangement is built around one principle: your client experiences you as the trusted connector, and us as the specialist you brought in.
You referAn email, a call, or the form below
Pass on your client's name and contact details, plus any context about what they're looking for — that's the entire handover. No forms for you to complete, no fact-finds to prepare. We make contact within 24 hours and take it from there.
We handle the lendingAssessment → comparison → application → settlement
We assess their needs, compare options across our panel of 50 lenders, prepare and lodge the application, and manage the process through to settlement. A dedicated finance broker who communicates clearly and keeps the file moving — no chasing, no black holes.
Your client stays yours — and you stay informedMilestone updates, no cross-selling
We don't poach and we don't sell competing services. We handle the lending and report back at each key milestone, so you can answer your client's questions confidently and keep advising them holistically.
Client information is handled confidentially and only with the client's consent. Whether any application proceeds, and with which lender, depends on your client's circumstances and lender assessment — a referral is not an offer or approval of credit.
Built for the professionals your clients already trust.
Accountants
SMSF limited recourse borrowing, trust and company borrowers, self-employed clients with complex financials. We work from the statements you prepare and structure lending that fits alongside the accounting and tax strategy you've set — without giving tax advice or stepping on yours.
Financial planners
Investment property lending, refinances and equity release that need to line up with the plan you've built. We keep you across the structure and the numbers so the lending supports the advice — your client hears one consistent story.
Real-estate agents
Buyers who need finance sorted before they can transact. Fast, straight answers on what a buyer can realistically do, pre-purchase preparation, and a broker who keeps the deal moving so your sale isn't the thing waiting on finance.
Solicitors & conveyancers
Clients mid-transaction, family-law settlements that need one party refinanced, estates and trust matters with a lending leg. We coordinate with your timeline and keep the finance side documented and on schedule.
The lending your clients commonly need.
SMSF loans
Limited recourse borrowing for residential and commercial property through your clients' self-managed super funds.
Investment property
Loan structuring, interest-only options and multi-property portfolio lending for wealth-building clients.
Refinancing
Rate reviews, debt consolidation and equity release — a structured comparison of what your client's current loan is actually costing.
First home buyers
Government grants, stamp duty concessions, guarantor options and low-deposit strategies for your younger clients.
Business & commercial
Business premises, equipment finance and working capital for your business clients. We understand financial statements.
Complex scenarios
Self-employed, trust structures, company borrowers, low-doc and impaired credit — the situations big banks say no to.
We understand the trust you've built. Our job is to make you look good.
We don't poach. We don't cross-sell accounting, planning, agency or legal services — ever. We handle the lending, keep you in the loop, and hand the relationship straight back.
We respond within 24 hours. Your referral gets a dedicated finance broker who communicates clearly and keeps the process moving, so a referral never turns into a complaint on your desk.
Referral arrangements are done properly. Where a referral arrangement is in place, it's structured to comply with ASIC requirements and disclosed to the client — the specifics depend on your licensing and structure, so we'll agree what works for your practice up front.
Esteb & Co provides credit assistance as a Credit Representative (Credit Rep #574071) under an Australian Credit Licence (ACL 389328), accredited through Connective. Referrers do not provide credit assistance under this arrangement.
Let's start a conversation.
Tell us a little about your practice and Richard will be in touch within 24 hours to discuss how a referral arrangement could work.
Partnering with us, answered straight.
Do you pay referral fees?
We're happy to discuss referral arrangements that comply with ASIC regulations. The specifics depend on your licensing and structure, and any arrangement is disclosed to the client. Let's chat about what works for your practice.
How do I refer a client?
However suits you best. Send an email, give us a call, or fill out the form above. We just need your client's name and contact details, plus any context about what they're looking for. We'll handle the rest.
What updates will I receive?
We'll keep you informed at key milestones: initial consultation complete, application lodged, approval received, and settlement. You'll always know where things stand so you can answer your client's questions confidently.
Will you try to sell my clients other services?
No. We don't poach and we don't cross-sell accounting, planning, agency or legal services. We handle the lending and keep you in the loop so you can continue advising your clients holistically.
Ready to partner with us?
Refer with confidence — we handle the lending across 50 lenders, your client stays yours, and you stay informed at every milestone.