Your Trusted Partner in Finance
Smart lending solutions to help you buy, build, and grow.
About Us
At Esteb Capital, we believe finance should be simple, transparent and tailored to your goals. Whether you’re buying your first home, refinancing, or building an investment portfolio, we’re here to make it happen.
With access to a wide panel of lenders and years of experience in private credit and mortgage broking, we pride ourselves on finding the right lending solutions – not just the easiest. We take the time to understand your situation, explain your options clearly, and guide you every step of the way.
Our mission is simple:
Save you time and stress
by handling the entire loan process.
Deliver smart strategies
to help you buy, build and grow.
Be your long-term partner
in finance, not just for one deal.
From the founder
Esteb Capital was founded by Ricky Esteb, a finance professional with over a decade of experience in private credit and lending. After years working behind the scenes helping businesses and investors secure capital, Ricky saw first-hand how complicated and overwhelming the lending process could be for everyday Australians.
He started Esteb Capital with a simple vision:
To make finance personal again – clear, tailored and focused on your goals.
Ricky’s background in private credit means he understands the full lending landscape – from the big banks to boutique lenders – and how to structure loans to put you in the best position possible. He built Esteb Capital as a business that puts relationships first, working closely with clients to cut through the noise and deliver the right lending solution every time.
Today, Esteb Capital helps clients at every stage of their property journey – from first-home buyers to experienced investors – with a focus on transparency, strategy and long-term success.
“I started Esteb Capital to be the broker I wish I’d had – someone who explains the options clearly, fights for the best deal, and is in your corner for the long run.” – Ricky Esteb
– Richard Esteb
Our Strategy for Success
01
Discovery & Goal Setting
We start by understanding your financial goals and personal circumstances. Whether you’re buying your first home, refinancing, or investing, we take the time to learn what’s most important to you.
02
Loan Strategy
Next, we craft a tailored lending strategy. With access to a wide panel of banks and lenders, we find the right products and structure to suit your needs now and into the future.
03
Approval & Settlement
We handle the entire application process from start to finish – liaising with lenders, providing updates, and ensuring your loan is approved and settled smoothly.
04
Ongoing Review & Support
Our service doesn’t stop at settlement. We regularly review your loans to make sure they remain competitive and aligned with your goals as your circumstances change.
We Work With Clients of All Sizes & Stages
No loan is too big or too small. At Esteb Capital, we pride ourselves on our flexibility and ability to help clients from all walks of life. Whether you’re a first-home buyer, upgrading to your dream property, or a seasoned investor building a portfolio, we have the knowledge and lender network to deliver the right solution.