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MortgageSMART™by Emanate Finance
Personal & asset finance
Finance for cars, boats, bikes, caravans and everything in between.
General information only — illustrative modelling, not credit assistance or an offer of finance. Actual outcomes depend on your circumstances, lender policy, rates and fees.
Sometimes you just need finance sorted quickly for something you need now — a car, a caravan, equipment for the business, or a personal loan for an unexpected expense.
We'll also tell you when it's better to leave it alone. If adding it to your mortgage would cost you more over time, or the timing sits badly against a purchase or refinance you're planning, that's worth knowing first.
How can we help?
What are you financing?
Pick one — the paperwork and the lenders differ between them.
Your next car, ute or van
Everyone's needs are different — a safe family car for school runs, a work ute, or something a bit more fun for the weekend.
We arrange finance for almost any roadworthy vehicle, including caravans, trailers and vans, with terms matched to how long you'll actually keep it.
Worth knowing
How this fits with your mortgage
Every new repayment you take on reduces what a mortgage lender thinks you can afford — and a car loan taken out a month before a home loan application can change the outcome of both.
So if a purchase or refinance is on the horizon, tell us. Sequencing the two properly often costs nothing and matters a lot.
- Secured and unsecured options compared
- Terms matched to how long you'll keep the asset
- Private sale, dealer and business purchases
- Self-employed and business borrowers welcome
- Timed around any home loan plans
- General information only — never pressure
Need it sorted quickly?
Book a complimentary video call and tell us what you're buying. We'll tell you what's possible and what the lender will need.
Video, phone or email — whatever suits you.
Good to know
Asset and personal finance questions
What can be financed as an asset loan?
Most roadworthy vehicles and identifiable business assets — cars, utes, vans, motorbikes, caravans, trailers, boats, trucks and equipment. Lenders differ on age limits and private sales.
Is a secured loan cheaper than a personal loan?
Generally a loan secured against the asset carries a lower rate than an unsecured personal loan, because the lender has security. What suits you depends on the asset, its age and your circumstances.
How quickly can asset finance be arranged?
It's usually faster than a mortgage. With payslips or business figures ready, many applications can be assessed quickly, though timing depends on the lender and how complete the paperwork is.
Should I add a car to my mortgage instead?
Sometimes it makes sense, sometimes it doesn't. A mortgage rate is lower, but stretching a five-year purchase over thirty years can cost more in total interest unless the extra repayment is directed back onto the loan. It's worth comparing both before deciding.
Can I get finance if I'm self-employed?
Yes. There are lenders comfortable with self-employed borrowers, and some will consider alternative income documentation. Requirements vary, so it's worth a conversation about which lenders suit your situation.
Australian brokers
Our brokers live and work in Australia, just like you.
Available online
Video, phone and email — wherever you are, whenever suits.
Safe and secure
Your private information stays private.
Lifetime loan maintenance
We keep reviewing your loan with the lender long after settlement.
What clients say
148 Google reviews · rated 5.0