Emanate Finance

MoneySMART Feed

Short reads that change what your mortgage costs you.

Videos, real client outcomes and Reserve Bank updates — each one with a way to check what it means for your own numbers.

Maybe it's time to stop following the herd.Video· DebtMaybe it's time to stop following the herd.Multiple repayments on top of your mortgage can make your finances feel like a zoo.14 Aug 2026RBA Welcomes Melinda Cilento to Monetary Policy BoardRate & market update· Cash FlowRBA Welcomes Melinda Cilento to Monetary Policy BoardThe RBA has welcomed the Treasurer's appointment of Melinda Cilento to the Monetary Policy Board.14 Aug 2026Let's dig a little deeper into your depositVideo· BuyingLet's dig a little deeper into your depositYou could be closer to owning your own home with the Australian Government's 5% Deposit Scheme.13 Aug 2026Can't Afford Extra Repayments?Video· PayoffCan't Afford Extra Repayments?Small extra repayments made on your terms can save you tens or even hundreds of thousands of dollars.12 Aug 2026Meow-gage Mistake!Video· DebtMeow-gage Mistake!Sometimes a lower repayment can actually cost you more in the long run.11 Aug 2026RBA Keeps Cash Rate Target Unchanged at 4.35 Per CentRate & market update· Cash FlowRBA Keeps Cash Rate Target Unchanged at 4.35 Per CentThe Reserve Bank of Australia has left the cash rate target unchanged at 4.35 per cent.11 Aug 2026Small Extra Repayments Make a Big DifferenceVideo· PayoffSmall Extra Repayments Make a Big DifferencePaying an extra $50 a week could save around $130,000 in interest.10 Aug 2026What's the Cheapest Loan?Video· DebtWhat's the Cheapest Loan?The people who make the biggest financial progress don't always have the lowest interest rate.8 Aug 2026How Much Will I Save?Video· PayoffHow Much Will I Save?The best mortgage strategy isn't always the one with the lowest repayment.7 Aug 2026Debt Consolidation: Good or Bad?Video· DebtDebt Consolidation: Good or Bad?The goal should be to use debt consolidation as a stepping stone towards eliminating debt altogether.5 Aug 2026Minimum Credit Score Needed for a MortgageVideo· BuyingMinimum Credit Score Needed for a MortgageFind out how your credit score impacts your ability to secure a home loan.5 Aug 2026Income Required to Buy a $650,000 Home in AustraliaVideo· BuyingIncome Required to Buy a $650,000 Home in AustraliaHere is what you need to know about the income required to purchase a $650,000 property.5 Aug 2026Why Setting Up a Free Redraw Facility MattersVideo· Cash FlowWhy Setting Up a Free Redraw Facility MattersSetting up a free redraw facility gives you access to extra home loan repayments when needed.5 Aug 2026How to Avoid the 30-Year Mortgage TrapVideo· PayoffHow to Avoid the 30-Year Mortgage TrapTaking on a 30-year home loan does not mean you have to stay locked in for three decades.5 Aug 2026Looking for a Way Out of Your Mortgage?Video· DebtLooking for a Way Out of Your Mortgage?The real solution to paying off your home loan faster is strategy, not just refinancing.5 Aug 2026Why Refinancing Without a Strategy Can Cost You MoreVideo· DebtWhy Refinancing Without a Strategy Can Cost You MoreRefinancing without a strategy can cost you more in the long run rather than saving you money.4 Aug 2026Why Lower Repayments Do Not Always Mean a Cheaper MortgageVideo· Cash FlowWhy Lower Repayments Do Not Always Mean a Cheaper MortgageLower monthly repayments do not always mean you are saving money on your home loan.3 Aug 2026How Restructuring Loans Restored $1,800 in Monthly Cash FlowVideo· DebtHow Restructuring Loans Restored $1,800 in Monthly Cash FlowConsolidating multiple debts reduced this client's monthly repayments from $5,800 to $3,900.1 Aug 2026The Vital Checklist for First Home BuyersArticle· BuyingThe Vital Checklist for First Home BuyersEssential steps every first home buyer should consider before applying for a home loan.1 Aug 2026The Hidden Cost of Refinancing Your MortgageVideo· PayoffThe Hidden Cost of Refinancing Your MortgageRefinancing can lower repayments, but resetting to a 30-year term may add decades to your mortgage.31 July 2026You May Not Need a 20% Deposit to Buy Your HomeVideo· BuyingYou May Not Need a 20% Deposit to Buy Your HomeYou could buy your own home sooner with the Australian Government's 5% Deposit Scheme.30 July 2026How loan restructuring saved one family over $6,000 a monthVideo· DebtHow loan restructuring saved one family over $6,000 a monthConsolidating debts dropped this family's monthly repayments from $11,500 to approximately $5,250.29 July 2026Simplify Your Finances with Debt ConsolidationVideo· DebtSimplify Your Finances with Debt ConsolidationConsolidating multiple debts into one monthly repayment can simplify your strategy to become debt free.27 July 2026The Most Expensive Number on Your MortgageVideo· DebtThe Most Expensive Number on Your MortgageThe most expensive number on your mortgage probably isn't your interest rate—it is your loan term.25 July 2026