Servicing Newcastle, the Hunter Valley, and Australia-wide
Finance and property guidance that costs you nothing.*
ESP Finance & Property helps home buyers, investors, business owners and property buyers across Newcastle, the Hunter Valley and Australia-wide access the right lending — with no fee from us on most loans.
Start a conversationWhat we do
Five ways we help you move forward
Home Loans
Finance for buying, building, or moving into the right home.
Investment Loans
Lending built for building and growing a property portfolio.
Commercial Loans
Finance for business assets, commercial property, and SMSF lending.
Personal Loans
Finance for a vehicle or a personal expense, arranged through our lender panel.
Property ServicesLaunching 2027
Buyers agent services from a licensed team, launching 2027.
Why us
A broad panel, flexible appointments, and no fee from us on most loans
No fee from us on most loans
On most loans there is no direct fee from us — we are paid a commission by the lender, regardless of the lender chosen.*
A broad lender panel
From major banks to specialist and non-conforming lenders, so options are compared, not assumed.
Flexible appointments
Out-of-hours appointment times to suit your schedule.
Our lender panel
Compared across the majors, the specialists and everyone in between
- AMP
- Angle Finance
- ANZ
- Apollo
- Bank Australia
- Bank First
- Bank of Melbourne
- Bankwest
- Bendigo Bank
- Better Choice Home Loans
- Beyond Bank
- Bridgit by LMG
- Commonwealth Bank
- Finance One
- Firstmac
- Granite Home Loans
- Great Southern Bank
- Heritage Bank
- ING
- La Trobe Financial
- Liberty Finance
- Macquarie
- ME Bank
- NAB
- Newcastle Permanent
- Now Finance
- People First Bank
- Pepper Money
- Plenti Auto Finance
- Resimac
- Skip by LMG
- St.George Bank
- Teachers Mutual Bank
- Think Tank by LMG
- Ubank
- Westpac
- WISR
- Zeus
On most loans there is no direct fee from us — we are paid a commission by the lender, regardless of the lender chosen.*
Self-employed?
Complex income is our specialty
If you run your own business, the banks don't always make it easy. Luke has spent more than two decades helping self-employed clients with complex needs — varying income, company and trust structures, recently started ABNs — find lenders that will assess their situation properly.
How we help self-employed borrowersHow we help
Illustrative examples of the outcomes we work towards
Illustrative examples — not specific client case studies
First home buyer, guarantor loan
Illustrative example: a first home buyer used a family guarantee to buy sooner with a smaller deposit.
Self-employed, asset finance
Illustrative example: a business owner accessed asset finance to expand without disrupting cashflow.
Investor, portfolio lending
Illustrative example: a property investor structured finance to support a growing portfolio.
Ready to talk about your next step?
On most loans there is no direct fee from us — we are paid a commission by the lender, regardless of the lender chosen.*
Start a conversation