Finance & Mortgage Broking.
At est., we believe that getting a mortgage isn’t just about gaining access to funds, it’s about laying the foundation for long-term financial growth. That’s why our finance and mortgage broking services go beyond traditional loan processing. We specialise in structuring finance solutions that are tailored to your unique goals, whether you’re buying your first home, refinancing for a sharper deal, unlocking equity to invest, or building a property portfolio. From owner-occupiers to seasoned investors, we align strategy with purpose to make every move count.
As independent brokers, we work with a diverse panel of lenders, from major banks to specialist institutions, giving you access to a wide range of loan products and competitive interest rates. But more importantly is that we focus on strategy, ensuring your loan is structured correctly from day one. This includes assessing your borrowing capacity, optimising cash flow, managing risk, and leveraging equity to keep your investment journey progressing without unnecessary financial strain.
Our team is known for taking a hands-on and proactive approach, guiding you through every step of the finance process, from pre-approval through to settlement and beyond. We handle the paperwork, liaise with lenders, and anticipate roadblocks before they arise therefore you can move forward with clarity and confidence.
We also understand that no two clients are the same. That’s why every solution we deliver is customised, whether you’re a PAYG employee, self-employed business owner, or full-time investor. We provide ongoing support as your circumstances evolve, offering strategic refinancing reviews, debt consolidation advice, and property structuring consultations to ensure your finance continues to serve your broader wealth goals.
At est., we don’t see finance as a transaction, we see it as a tool. A well-structured mortgage can reduce tax, improve cash flow, increase borrowing power, and accelerate your path to financial independence. With over 30 years of experience and a deep understanding of the property and finance markets, we’re here to help you make smarter moves and build a stronger financial future with one loan at a time.
What will your mortgage really cost?
Adjust your loan amount, interest rate and loan term to see your estimated repayments and the total cost of your loan.
Loan Parameters
Enter the total loan amount you want to borrow
Annual percentage rate for your mortgage
Duration of your mortgage in years
Your Results
Your estimated monthly mortgage payment including principal and interest
Total interest you'll pay over the life of the loan
Total amount you'll pay including principal and interest
Estimates only. Assumes principal-and-interest repayments at a fixed rate for the full term, with monthly repayments and interest compounding monthly — no fees, offset accounts or rate changes. General information, not credit advice.
Case Studies.
Client Profile 1
- Client: Natalie
- Age: 35
- Job: Healthcare Administrator
- Credit Score: 516 (due to an old credit card default and personal loan arrears)
- Objective: Purchase a $620,000 home in regional NSW
- Deposit: $35,000 saved
- Employment: Full-time PAYG, consistent for 3+ years
The Challenge
With a credit score of 516, Natalie had been declined by three banks and assumed homeownership was out of reach. Her default was from a mismanaged credit card five years earlier, now paid off but it still affected her credit profile. She also had a small personal loan with recent late payments, further complicating her chances.
Natalie came to us feeling overwhelmed and unsure where to start.
How est. helped her:
Credit Health Review
We conducted a detailed credit report audit to distinguish active risk from historical issues. The major default was aged and settled, and her income stability worked in her favour.
Lender Matching
Instead of approaching mainstream banks, we selected a non-bank lender that specialised in helping borrowers with "near-prime" credit. This lender valued employment consistency and was open to Natalie’s story.
Application Structuring
- Added a personal statement explaining the credit issues and showing financial recovery.
- Provided 6 months of clean bank statements and stable income history.
- Minimized personal debt exposure by consolidating a small loan before submission.
Approval & Strategy
Natalie was approved for a $585,000 loan with a 10% deposit and no guarantor. The interest rate was slightly higher than market average, but with a 2-year refinance plan to move her into a prime lending tier once her score improved.
The Result
- Natalie moved into her new home within 90 days.
- She now pays $3,300/month in repayments, only slightly above her previous rent.
- Her credit score is steadily improving with automated repayments, and she’s on track to refinance in 18 months at a lower rate, potentially saving over $6,000/year in interest.
Client Profile 2
- Client: Daniel & Emma
- Job: Professionals in Sydney
- Combined Income: $250,000 (PAYG)
- Goal: Buy a second investment property while maintaining lifestyle and cash flow
- Current Assets: Own home with $400,000 equity + 1 investment property
- Challenge: Banks wouldn’t lend further due to “serviceability limits”
The Problem
Despite strong incomes, Daniel and Emma were told by two major banks that they couldn’t afford another investment property. High living expenses, private school fees, and an existing mortgage caused their serviceability to fall short under standard bank calculators. They knew they had equity, but couldn’t access it. They needed a smarter lending strategy, not a simple pre-approval.
What est. can do to help:
Advanced Portfolio Review
We analysed their income, assets, debts, and cash flow. We noticed:
- Their existing investment loan wasn’t interest-only.
- They had unused equity sitting dormant in their home.
- The property structure was inefficient for tax and borrowing.
Equity Unlock & Restructuring
- Refinance their home to extract $200,000 equity.
- Switched investment loan to interest-only, improving monthly cash flow.
- Reduced debt-to-income ratio by consolidating personal debt.
Serviceability Strategy
We use a non-bank lender with more flexible income treatment, including:
- Full recognition of rental income.
- Adjusted expense modelling.
- Consideration of future depreciation benefits on the new property.
New Purchase
With the new structure, Daniel and Emma were approved for a $620,000 loan to buy a high-yield dual occupancy in regional Queensland with a 6.2% rental return.
The Result
- Property settled in 60 days.
- $760/month positive cash flow from new investment.
- Total portfolio now valued at $2.3 million.
- We mapped out a 5-year plan to add two more properties and optimise tax efficiency.
Our trusted Australia’s Lending lenders
