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At etena Finance, we believe your home loan journey should feel empowering—not overwhelming. With over 15+ years experience in the finance industry, and with over half a decade at one of Australia's major banks, we know what it takes. One main difference — genuine care at every step. We combine deep expertise with a personal touch. Whether you're buying your first home, growing your portfolio, or refinancing—we get it done.
After over a decade in banking and finance — from working with medical professionals to running my own health & fitness business — one thing remained constant: a genuine desire to help hard-working Australians build a better future.
etena Finance was born from that purpose. The name itself was created from letters in my two daughters' names — a daily reminder that this business is about building something meaningful, not just for clients, but for the next generation. As a father, I understand what's at stake. As a broker, I know how to make it happen.
David Lucas
Founder & Senior Lending Advisor, etena Finance
We're not just brokers — we're your long-term financial partner. Here's what sets us apart from everyone else.
Work With UsWe're selective — and that's a good thing. We assess your full situation before we submit anything, and only proceed when we're confident of approval. Our 98% success rate speaks for itself.
We compare hundreds of loan products across 40+ lenders — so you always get the best rate available, not just the most convenient one.
Our service costs you nothing. Lenders pay our commission — so you get expert, independent guidance with zero hidden fees or surprises.
No jargon. No surprises. We walk you through every decision in plain language so you always know exactly where you stand and why.
Our relationship doesn't end at approval. We review your loan annually to keep your rate sharp and your long-term strategy on track.
We don't just find you a loan.
We find you the right loan — and stand by you long after the ink is dry.
Finance is personal. Behind every application is a family, a dream, a next chapter. That's why we approach every client relationship with the same question: what would we do if this were our own money?
You deserve to make decisions from a place of certainty — not confusion. We equip you with the knowledge and clarity to move forward without doubt.
The home loan process doesn't need to be complicated. We cut through the noise, speak plainly, and make sure you always understand exactly where you stand.
This is more than a transaction to us. We invest in your outcome as if it were our own — because when you win, we know we've done our job well.
A simple, transparent process — designed entirely around you.
We start with a relaxed, no-pressure conversation to understand your goals, timeline, and financial situation. This is where your journey begins — clear, grounded, and tailored entirely to you.
01You share your documents, and we assess your full financial position. Together we shape a lending strategy that fits your life — giving you complete clarity and confidence about the road ahead.
02We choose the right lender together and prepare your application with care. We handle the paperwork and keep everything transparent as your loan takes shape — all the way through to approval.
03We coordinate settlement with your bank and solicitor, review your loan documents together, and make sure everything runs smoothly. Then each year, we review your loan to keep your rate sharp and your strategy on track.
04Your loan is not set-and-forget — and neither are we. We check in regularly to measure progress, review your rate, and ensure your lending strategy continues to work hard for you as your life evolves.
05Use our free calculators to estimate your borrowing power, repayments, and stamp duty — in minutes.
Find out exactly what your monthly repayments would look like based on your loan amount, interest rate and term.
Calculate nowDiscover how much you could borrow based on your income, expenses and financial situation — before you speak to a lender.
Calculate nowGet an instant estimate of the stamp duty payable on your property purchase — so there are no surprises on settlement day.
Calculate nowAt etena Finance, we believe that true success means lifting others with you. That's why a portion of every loan we settle goes toward a cause close to our hearts — building schools in developing communities, so that children who deserve a future can access education and opportunity.
Because generational wealth isn't just about property. It's about what you leave behind.
The things most brokers won't tell you — until it's too late.
Let's have a conversation about your home loan goals — no obligations, no jargon, just genuine expert guidance tailored to you.
Fill in the form and one of our brokers will be in touch within 24 hours. No pressure, no obligation — just genuine guidance from people who care.
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