Important Information

ABOUT THESE ESTIMATES

The MortgageSMART™ results shown on this site are estimates only. They are based on the figures you enter and on general rate and repayment assumptions — not on a credit assessment, a valuation, or a lender's approval.

Estimates assume principal and interest repayments, a constant interest rate for the life of the loan, and that any repayment savings are actually redirected to your mortgage. Real outcomes change with rates, fees, lender policy, credit history and your own spending.

Consolidating shorter-term debts into a mortgage can reduce your monthly repayments but increase the total interest paid if the term is extended and the savings are not redirected. Both outcomes are shown to you before you decide anything.

Nothing on this site is credit assistance or personal advice. Your full financial position would need to be reviewed before acceptance of any offer or product.

MEMBERSHIPS

Emanate Finance and its consultants are members of the MFAA/FBAA and the Australian Financial Complaints Authority (AFCA), ensuring you are dealing with a licensed professional.