Hills District street
Investment lending · Sydney

Build a portfolio,
not just a loan.

Over 1,500 settled deals and 300+ Google reviews. Expert structuring, long-term loan strategy and ongoing rate negotiation, not just a quick approval.

1,500+Deals settled
300+Google reviews
50+Lenders on our panel
10+Years in lending
AMP BankANZAustralian Military BankAuswide BankBank AustraliaBank of ChinaBank of MelbourneBank of QueenslandBank of SydneyBank of usBankSABankwestBendigo BankBetter Choice Home LoansBluestoneCBAFinsure BreezeFirefighters Mutual BankFirst FederalFirstmacFunding.com.auGranite Home LoansGreat Southern BankHealth Professionals BankHejazHeritageHomeStartINGJudo BankKeystartLa TrobeLibertyMA MoneyMacquarie BankME BankMyStateNABOne HavenORDE FinancialOwnHomeParamountPepper MoneyQudos BankRegional Australia BankResimacSocietyOneSt GeorgeTeachers Mutual BankUbankUniBankUptainVirgin MoneyWestpacAMP BankANZAustralian Military BankAuswide BankBank AustraliaBank of ChinaBank of MelbourneBank of QueenslandBank of SydneyBank of usBankSABankwestBendigo BankBetter Choice Home LoansBluestoneCBAFinsure BreezeFirefighters Mutual BankFirst FederalFirstmacFunding.com.auGranite Home LoansGreat Southern BankHealth Professionals BankHejazHeritageHomeStartINGJudo BankKeystartLa TrobeLibertyMA MoneyMacquarie BankME BankMyStateNABOne HavenORDE FinancialOwnHomeParamountPepper MoneyQudos BankRegional Australia BankResimacSocietyOneSt GeorgeTeachers Mutual BankUbankUniBankUptainVirgin MoneyWestpac
Portfolio planner

Why Most Investors Struggle to Grow Beyond 2⁠–⁠3 Properties

For many property investors, the path to building a substantial portfolio slows down after the first few purchases. Lending becomes more complex, and the strategies that worked early on no longer apply.

Portfolio value · yr 10$5.21M
Equity · yr 10$1.29M
4properties in 10 years
Illustrative scenario only, not a prediction or advice. Assumes $800k purchases, 5% growth, 20% deposits, savings 8% of income.
Common 2⁠–⁠3 property ceiling
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Our services

We Don’t Just Compare Loans. We Build Long-Term Strategies.

All Loan Types
The ES cycle

Most Brokers Stop at Settlement. We Don’t.

Stage 04ReviewOngoing rate negotiation and loan reviews.↻ back to 01
Recognised nationally

Award-Winning Advice, Backed by 300+ Google Reviews.

Elite Broker Ranking 2025, Residential
Top 60 Elite BrokerThe Adviser · Residential · 2025
300+★★★★★
Google reviews
“Mr. Joshi is professional and knowledgeable but at the same time can be relied upon for a friendly advice too.”
Parakh Tandon
Australian Mortgage Awards 2025
Event partner Westpac
Excellence Awardee 2025Better Business Awards 2024 FinalistFinalist · Best Customer Service (Individual) NSW/ACT 2024
Jignesh Joshi, Founder, Director & Mortgage Broker
★★★★★Chartered
Accountant (India)
800+clients guided
Founder & Director · Mortgage Broker

Built on Experience. Driven by Integrity.

Over the past 10+ years, Jignesh, a Chartered Accountant, the highest finance designation in India, has built ES Finance into a firm trusted by 800+ clients, from first-time buyers to seasoned investors. We’ve done it for hundreds of investors, and we can help you too.

Jignesh JoshiChartered Accountant · 10+ years · 800+ clients
Meet the Team