What are you trying to do?

Pick the one that fits best. We tailor the rest of the questions to your situation.

Property value and loan amount

Move the sliders. We'll show you the loan-to-value ratio (LVR) live.

Property value

$800,000

Loan amount needed

$640,000

Loan-to-Value Ratio 80% Strong — most lenders compete for this LVR

Property postcode (optional — improves accuracy by filtering state-restricted lenders)

Property type (optional)

Current loan balance (how much you still owe today)

$500,000

Your current interest rate (so we can compute savings)

6.50%

Current lender (optional)

Using equity from another property? (unlocks lower combined LVR)

Have a guarantor? (family member putting up equity for you — saves LMI)

How much do you need?

A quick figure to get you the right options — we'll refine it together.

$35,000

How do you earn your income?

This determines which lenders will accept your application.

Combined household income

Gross (before tax), all income sources combined. Australian median is ~$95k.

$120,000

$40k$95k median$250k$500k+

Monthly minimum repayments — credit cards + other loans (big impact on borrowing power)

$0

Any credit concerns?

Default, missed payment, bankruptcy in the last 7 years — anything we should know?

When do you need to settle? (filters lenders by turnaround speed)

Currently bank with any of these? (loyalty pricing boost)

Nice work — that's the hard part done.

Your personalised pathway report is ready. First, what should we call you?

Where should we send your report?

You'll see it on the next screen — we'll email a copy so you have it to keep.

And the best mobile for you?

So Richard can talk you through your options when you're ready. No spam — ever.

Want a complimentary insurance comparison too?

Optional — we often improve on current General & Life cover. Pick one, or just continue.

Last step — a few details for your assessment.

For car and personal loans the first step is a soft credit check — it's only visible to you and never affects your credit score. These details let Richard run it the moment you're ready.

Date of birth

Gender (as it appears on your ID — the credit bureau requires it)

Current home address

I'm happy for Esteb & Co to run a soft credit check when preparing my options, and I consent to my information being handled as described in the Privacy Policy. Soft checks are visible only to me and never affect my credit score.

Preparing your personalised pathway report…