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Service

Home Loans

A loan structured around your situation, compared across a broad lender panel — with no fee from us on most loans.

Who this is for

First home buyers

Upgraders

Downsizers

Self-employed borrowers

Self-employed? This is our specialty

Banks like a payslip. If you run your own business, your income rarely looks that tidy on paper — and that's where a lot of self-employed borrowers get knocked back or offered less than they can afford. Luke has specialised in self-employed clients with complex needs for more than two decades. We know how different lenders assess business income, and we match you to the ones that will look at your situation properly.

  • Sole traders, partnerships, companies and trusts
  • Income that varies year to year, or a business that has recently grown
  • Recently started ABNs and alternative documentation options through specialist lenders
  • Multiple entities, add-backs and complex structures that need explaining to a lender
Talk to Luke about your situation

How it works

A no-cost conversation about your goals

Comparing options across our lender panel

Support through application to settlement

Frequently asked questions

Does this cost anything?

On most loans there is no direct fee from us — we are paid a commission by the lender, regardless of the lender chosen.*

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

ESP Finance & Property

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.

ABN 43 700 308 943

PLBSP Pty Ltd trading as ESP Finance and Property (ABN 43 700 308 943) is a credit representative (CRN 580594) of LMG Broker Services Pty Ltd (Australian Credit Licence 517192).

The majority of our loans do not involve a direct fee from us — we are paid a commission by the lender, regardless of the lender chosen. Where a loan is short term in nature, or where for any other reason we are not being paid by the lender, we will discuss a fee-for-service option with you before any work goes ahead.

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Contact

admin@espfinance.com.au(02) 4934 7645