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ESP Finance & Property

ESP Finance & Property

5.0(50 reviews)See reviews ↓·Maitland

About the company

ESP Finance & Property is a finance and commercial brokerage based in Maitland, New South Wales. The business provides mortgage and finance brokerage services and offers these services Australia-wide. Appointments are available outside regular business hours.

Its brokerage services are provided free of charge. Sandy Padilla is the Senior Finance Specialist at ESP Finance & Property. Sandy Padilla has over two decades of experience in the finance industry, property development and real estate investment, and is a fully qualified Specialist Lending Adviser.

What customers say

Based on genuine customer reviews

First home buyers, refinancers and investors in Maitland have turned to this brokerage for everything from home loans to car finance, and the feedback often centres on Sandy, whose knowledge and patience reviewers repeatedly single out. Customers writing about their orders describe being guided through unfamiliar financial terminology, with each step explained clearly before anything was signed, and the communication before, during and after each application is a point that comes up often.

Refinancing away from larger banks, securing investment loans, coordinating a simultaneous sale and purchase, and arranging vehicle finance all feature among the completed jobs, with borrowers noting that better rates and alternative products were found after their existing lenders failed to offer comparable terms. Speed is another recurring theme, with settlements progressing faster than previous experiences with other lenders.

Respondents also value being kept informed throughout the process and the responsiveness to every question raised, whether by phone or in person. The thoroughness applied to documentation and the willingness to act in the client's interest run through the accounts, as does the smooth handling of approvals from application through to unconditional status. Many of those who comment have returned for subsequent refinances or referred family members to Sandy for their borrowing needs.

ESP Finance & Property — Customer photo

Reviews

Reviews are taken from publicly available sources.

RF
Rose Flower13 August 2025

I was recommended to contact Sandy from ESP Finance, by my neighbour for our investment loan, we had little know knowledge of the process, Sandy was amazing, did everything for us to secure the loan, gave us invaluable advice and assistance along the way, saved us money, and bingo we are now unconditionally approved. Every call I made to clarify the process was answered, we will be singing her praises to anyone thinking of finding a broker they can trust. Cheers David, Matt and Wacharaporn 🥰

CU
Chris Underhill20 April 2025

Having had a not so good experience with my last broker, working with Sandy has been nothing but an absolute pleasure. Her absolute professionalism and efficiency with obtaining our home loan has been fantastic. Sandy is super responsive and has been there every step of the way making the whole process completely seamless. I cannot recommend Sandy enough.

KM
Kahn Morkaya3 July 2024

Big thank you to Olivia & Sandy for their help with getting me the best deal on my mortgage! For someone who don’t understand alot of the financial lingo, they ensured that I was made aware of everything throughout the whole process and guided me through every step to ensure I had a great understanding of what I was signing my name against. Can’t recommend them enough!

TE
Tayla Elsley24 May 2024

As first time home buyers, we had a fantastic experience with Sandy. She was knowledgeable, patient, and always willing to answer any questions we had. Sandy always acted in our best interest, her dedication and professionalism made purchasing our first home a stress-free experience. We could not recommend Sandy enough!

LH
Lou Henville15 December 2023

I highly recommend Sandy from ESP Finance, she has provided endless support and information to me over the past few years while I have been getting my financial situation in order. With my home loan recently, she saw that I was not getting the best rate and recommended, better alternative options for me to choose from. The process was seamless and reasonably quick (much faster than all my previous suppliers of home loans over the years!) and she was always available to answer the many questions I had, even if they were silly or repetitive. I will 100% work with Sandy again.

TB
Tony Bhatti25 April 2023

Sandy has been amazing and found the best deal for me. Right from the start she was “to the point”, provided good comparison of data and recommendation. Throughout the process, she kept me updated and responded to my queries ASAP.

ES
Erin Southern19 January 2023

ESP provided an excellent service when we were looking to refinance. Sandy went out of her way to ensure our needs were met and always followed up enquires and requirements promptly making the process as smooth as possible.

Finance & commercial brokers in Maitland compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 5 businesses in this category in Maitland are compared.

RankProviderRatingReviewsOpen Sat.
1ESP Finance & Property (this page)★ 5,050Yes
2Breezy Home Loans★ 5,016No
3Mortgage Choice Broker Maitland - Sarah Mitchell★ 4,820No
4Aussie Home Loans Maitland★ 4,833No
5Coffey Lending★ 4,751No
Contact
+61249347645www.espfinance.com.au515 High St, Maitland NSW 2320
Working hours
Monday00:00–24:00
Tuesday00:00–24:00
Wednesday00:00–24:00
Thursday00:00–24:00
Friday00:00–24:00
Saturday00:00–24:00
Sunday00:00–24:00