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.

Let's bridge the gap between a lower repayment and a cheaper mortgageVideo· PayoffLet's bridge the gap between a lower repayment and a cheaper mortgageThe right strategy could save you thousands and even help you become mortgage-free years sooner.24 Sept 2026Is renting really dead money?Article· Rent vs buyIs renting really dead money?It is a line nearly every renter has heard. There is some truth in it, but it does not tell the whole story.22 Sept 2026Don't Zip Into Your Refinance Just Because Repayments Look LowerVideo· Cash FlowDon't Zip Into Your Refinance Just Because Repayments Look LowerA lower repayment might look like a win today, but it could cost far more over the life of your home loan.22 Sept 2026Don't Refinance Until You Watch ThisVideo· DebtDon't Refinance Until You Watch ThisA lower repayment doesn't always mean a cheaper home loan.15 Sept 2026The Bigger PictureVideo· DebtThe Bigger PictureSometimes a refinance that looks great today could cost you thousands more over the years that follow.10 Sept 2026Don't jump at a refinance just because repayments look lowerVideo· Cash FlowDon't jump at a refinance just because repayments look lowerA lower repayment doesn't automatically mean a cheaper mortgage.8 Sept 2026Building a Bigger Deposit?Video· BuyingBuilding a Bigger Deposit?Before you spend another year saving, make sure you understand all of your options.3 Sept 2026Some Refinances Are a Slippery SlopeVideo· PayoffSome Refinances Are a Slippery SlopeRefinancing can be a slippery slope.1 Sept 2026We Go the Extra MileVideo· BuyingWe Go the Extra MileYou may be eligible to buy with just 5% while avoiding Lenders Mortgage Insurance altogether.27 Aug 2026What Are You Choosing, Red or Blue?Video· PayoffWhat Are You Choosing, Red or Blue?Build a MortgageSMART Strategy that could help save thousands and even knock years off your home loan.25 Aug 2026Let's Brush Up on Your OptionsVideo· BuyingLet's Brush Up on Your OptionsBefore you spend another year saving, make sure you understand all of your options.20 Aug 2026Mortgage NewsVideo· DebtMortgage NewsReports indicate many homeowners are actually paying more over the life of their loan after refinancing.18 Aug 2026MortgageSMART Puts Emanate Finance in the Running for Innovator of the YearArticle· PayoffMortgageSMART Puts Emanate Finance in the Running for Innovator of the YearOur MortgageSMART approach has earned Emanate Finance a national finalist spot for Innovator of the Year.18 Aug 2026Emanate Finance Named WA's Best Finance Broker at the 2026 Better Business AwardsArticle· Cash FlowEmanate Finance Named WA's Best Finance Broker at the 2026 Better Business AwardsPerth broker Daniel Reid took home Best Finance Broker at the 13th annual Better Business Awards, held at Crown Perth.16 Aug 2026Maybe 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 2026What Type of Home Loan Is Right for You?Article· BuyingWhat Type of Home Loan Is Right for You?Understanding the differences between home loan options helps you choose the right mortgage for your needs.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 2026What to Do When the Bank Says No to Your Home LoanArticle· BuyingWhat to Do When the Bank Says No to Your Home LoanA declined home loan application from one lender does not mean that all options are unavailable.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 2026What Is Refinancing? Reasons For and AgainstArticle· DebtWhat Is Refinancing? Reasons For and AgainstRefinancing involves switching home loan lenders, but weighing the benefits against the costs is essential.10 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 2026