ESP Finance - Based in the Hunter Valley of Newcastle, is a loans and mortgage broking company that is highly focused on helping Australians achieve their property goals and dreams.  ESP Finance has helped many clients Australia wide and overseas providing clients with a personalised approached to choosing the right home loan and structuring for their current financial circumstances.

As we all would imagine, finding a home loan on your own from all the numerous lending sources can be:

- Time consuming

- An overall daunting experience  

- Information overload and

- A lack of proper guidance!

This experience can drastically increase the odds of you getting a bad loan plan, and let’s face it – no one wants a bad loan plan!! This is why it is essential to look for expert guidance from people who have a treasure of experience in the property and finance industry.

ESP Finance consultants utilize their decades of experience in the home loan and mortgage industry to make sure that you are getting a loan plan that not just provides you with the desired results, but also fairly resonates with your current circumstances and financial situation. Our consultants make sure that you are not lead down the garden path and instead teach you so you can walk your own path.

The staff at ESP Finance are highly responsive and they are eager to see you succeed. They take their time to carefully listen to what you have to say. They don’t rush on to conclusions right away as many of their counterparts do. After carefully analyzing your situation, ESP Finance consultants will find out a solution that’s just right for you.


Thinking about refinancing, investing or a first home buyer? Then contact us today! Your dreams don’t happen if you don’t take action!

ESP Finances welcomes inquiries from all borrowers seeking financial advice on any lending

products. Mortgage loans, investment loans, refinancing loans, debt consolidation,

development loans, commercial loans, business lending, Personal loans, Novated leasing, and

car loans.


Our Team
Sandy Padilla
Senior Finance Specialist | Phone: 0425 243 321

Emmanuel Padilla
Lending Specialist | Phone: 0419 229 998

Sandy Padilla - Co-Director of ESP Finance and our fully qualified and trained professional - Specialist Lending Adviser, she lives and breathes finance lending. Sandy is motivated by achieving the best results for her clients, from beginning to end.


Sandy started as a mortgage broker in 2000 and has worked in the finance and property industry ever since. Now with 17 year’s solid experience in the finance industry, property building, and selling investment real estate.

“I love talking finance with people and finding them the best loan available. Seeing clients excited about having their finance approved and moving  towards their dreams and goals is the best part of my job”.

Sandy has an easy going attitude and always makes the loan process seamless even when it’s a difficult deal. As the name suggests - “ESP”, Sandy has a knack for instinctively knowing your needs such as– suitable loan products, areas of investing and SMSF loans. The perception on finance is that it's "dull and boring", however ESP Finance make the process fun taking all the stress out of lending and instead influencing you to keep on dreaming!

Sandy’s 17 years experience within the Finance and Real Estate industry in Sydney and Newcastle has allowed her to become very knowledgeable on loan structures and what works best when buying investment property, lending requirements and what the lenders look for in RISK assessment on loans.

“My Hobby is finance and real estate I love everything about it when I’m not working for my clients I spend many hours researching new lending products, up and coming suburbs to buy or invest in. I’m fortunate to have friends within the high end business sector in Sydney, which provides me with the opportunity to receive a wealth of information in relation to new developments in and around Australia and information on new shopping centre complex’s, Bunnings, Aldi stores etc being built. This information is invaluable to my investor clients, providing them with the resources to be able to research for themselves the areas or suburbs in question. Being an active property investor myself, all my clients receive my professional and personal experience".


Sandy is also a Medical Finance Specialist. Many Doctors, Dentists and other Medical professionals take advantage of this services to achieve their SMSF loans to purchase their next investment property or their commercial property for their surgery’s.

Emmanuel Padilla – Co-Director / Owner, is ESP Finance Lending Specialist. Emmanuel has over 20 years’ experience as an IT consultant working alongside corporations such as IBM, Ausgrid, Optus and NSW Health, so when it comes to anything IT related, he’s our man!

Emmanuel has been an avid property investor both in residential and investment properties and has owned and operated various businesses, which has given him firsthand knowledge on the correct loan structure and what’s involved when going through the lending process. Being an active investor, he is always cautious and thorough when moving forward on property purchases. This knowledge has been an invaluable asset to our lending clients.

Emmanuel’s desire to provide excellence in the lending industry has lead him to further his study, and is currently studying - Diploma of Finance. Emmanuel is very thorough and his attention to detail is impeccable. He is excellent at explaining in detail the options and process of the loan application so clients can walk away knowing that they are in good hands.

As a Master Instructor in Martial Arts and training in Martial Arts for over 38 years, the values, discipline and dedication that is instilled from this training is an asset when it comes navigating his way around the finance industry.

When Emmanuel isn’t writing loans or dealing with IT issues, you’ll find him outdoors enjoying kayaking, motorbike riding, surf live saving, photography and scuba diving. He is also is a personal trainer who is very motivated, trains himself every day and likes to motivate others.

Need more details? Contact us

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