Valentine Pereira — Finance Expert & Founder of Ladabo
I built Ladabo to give every Australian access to clear, unbiased loan information — without the jargon, hidden bias or confusion that comes with most financial content online. Everything on this site is written by me, independently, with the borrower’s best interests in mind.
Ladabo is an independent Australian loan research and comparison platform. We publish free, plain-English guides covering every major loan type available to Australian borrowers — home loans, personal loans, car loans, business loans and student finance.
Unlike many comparison sites, Ladabo does not receive payments from lenders to influence rankings or editorial content. Our guides are produced based on research and publicly available data from the Reserve Bank of Australia, ASIC and major Australian lenders — not commercial arrangements.
We also build and maintain 27 free financial calculators — from loan repayment and borrowing power to stamp duty, LMI, debt consolidation and more. Every calculator is completely free to use and requires no registration.
Independent Research
Every guide is researched independently using publicly available data from the RBA, ABS, APRA, ASIC and direct lender product disclosure statements. No lender pays for placement or favourable coverage on Ladabo.
Fact-Checked Against Primary Sources
All interest rates, fees, loan amounts and eligibility criteria are verified against the lender’s official website and product disclosure statement before publication.
Regular Content Review
Loan guides are reviewed and updated regularly to reflect changes in interest rates, lender policies and regulatory requirements. Outdated information is corrected promptly.
ASIC Compliance
All content follows ASIC’s guidelines for financial information publishers. Every guide includes a disclaimer clarifying that Ladabo does not provide personal financial advice and readers should seek independent advice before making any borrowing decision.
Advertiser Disclosure
Ladabo may earn referral commissions when readers apply through links on this site. This never influences editorial rankings or recommendations. See our full Advertiser Disclosure.
Corrections Policy
If you spot an error, we want to know. Corrections are reviewed within 48 hours and corrected content is clearly noted. See our Corrections Policy for full details.
Finance & Management degree
Born in India and based in Germany, I pursued a degree in Finance and Management — building a strong foundation in analytical thinking, financial modelling and strategic decision-making that underpins all of Ladabo’s research methodology today.
5+ years in finance, accounting & auditing
Over five years working across finance, accounting, auditing and taxation — developing deep expertise in lending product structures, compliance frameworks, financial services regulation and borrower assessment processes used by Australian lenders.
UX/UI design & digital publishing
My curiosity led me to UX and UI design — discovering a passion for making complex financial information simple, accessible and genuinely useful for everyday Australians making borrowing decisions.
106+ guides, 27 calculators, thousands of borrowers helped
Launched Ladabo with one clear goal: to give every Australian free access to independent, plain-English loan research. Today Ladabo publishes 106+ loan guides across 6 categories, maintains 27 free financial calculators, and helps thousands of Australians make smarter borrowing decisions every month.
Independent
No lender pays to be ranked. Decisions made solely to help readers borrow smarter.
Plain English
No jargon — clear explanations any Australian can understand and act on.
Australian Focus
Every guide, calculator and statistic built specifically for Australian borrowers.
Regularly Updated
Rates and lender details change — we review and update content regularly.
Always Free
Every guide and calculator is completely free — no registration, no paywall.
Borrower First
Every decision made with the borrower’s best interests as the priority.
⚠ Important Notice: Ladabo is an independent information and research platform only. Nothing on this website constitutes personal financial advice. Valentine Pereira is not a licensed financial adviser. All content is for general informational purposes only. Always seek advice from a licensed financial adviser before making any borrowing decision. See our full Disclaimer, Editorial Policy and Advertiser Disclosure.
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