MortgageSMART™How can we help?
General information only — illustrative modelling, not credit assistance or an offer of finance. Actual outcomes depend on your circumstances, lender policy, rates and fees.
Most people arrive here with one of three things in mind: buying a place, sorting out a mortgage they already have, or financing something else entirely. Pick the closest one and we'll take it from there.
Getting a loan isn't just about the rate. The way a loan is structured on day one can change what it costs you over its whole life — and how many years of your life you spend paying it.
First home, next home, building, or an investment property. See the steps and what lenders look at.
Buying a homeA sharper rate, one repayment instead of six, cash for renovations, or wiping years off the loan.
Why refinanceCars, bikes, boats, caravans, business equipment and personal loans — everything in between.
Asset financeOur mission
Taking out a mortgage isn't only about getting a loan or snagging a low interest rate. It's a step towards financial independence — and the structure you start with makes a world of difference.
Done well, the difference isn't small change. It can be tens of thousands of dollars of interest across the life of a loan, and years off the time you spend repaying it. Done the standard, cookie-cutter way, a dream home can start to feel like a financial cage.
So our mission is simple: help Australians own their homes outright. Once you get there, you never answer to a landlord or a bank again.
Start here
If you already have a mortgage, this is the fastest way to see where you stand. A few questions about your loan, and you'll see what your current path costs, what an improved mortgage looks like, and what the full MortgageSMART™ strategy would do.
Client results
Names changed for privacy. The figures come from the files themselves and depend on individual circumstances, lender criteria and rates at the time.
Too many repayments
From struggling to meet the repayments on 10 different loan accounts, to being on track to own her home outright in as little as 7 years.
First home buyer
Told by his own bank he needed an unachievable 30% deposit. He bought with 10% — and the area doubled in value within a year.
Next step
Answer a few questions about your mortgage and we'll show your current path, an improved mortgage and the full strategy side by side.
Two minutes · no documents · no credit check
Book a complimentary video call. We'll get to know your situation, answer your questions and show you what's possible — no obligation to go any further.
Video, phone or email — whatever suits you.
Good to know
A broker compares loans across a panel of lenders, explains how each option is structured, prepares the application and deals with the lender on your behalf. We also stay in touch after settlement to keep reviewing your loan.
Our initial video call is complimentary and there's no obligation to go any further. Where a lender pays commission on a settled loan, that is disclosed to you in writing before you apply.
No. Our brokers are all Australian based and work with clients around the country by video, phone and email.
No. Everything here is general information only and doesn't take your objectives, financial situation or needs into account. Any figures are illustrations, not offers of finance.
Our brokers live and work in Australia, just like you.
Video, phone and email — wherever you are, whenever suits.
Your private information stays private.
We keep reviewing your loan with the lender long after settlement.
What clients say
Read what Emanate Finance clients say in their own words on the Google profile.
Read the reviews on Google