Emanate Finance

Mortgage broker

Hi, I'm Liz.

General information only — illustrative modelling, not credit assistance or an offer of finance. Actual outcomes depend on your circumstances, lender policy, rates and fees.

After seven years in real estate I moved into mortgage broking in 2020, to focus on the part I actually enjoyed: helping people get where they were trying to go.

That's over a decade now across property and finance. I'm approachable, I answer my phone, and I genuinely like the files other people call too hard.

Elizabeth Duck, mortgage broker at Emanate Finance.Liz out on a paddleboard on a calm Western Australian morning.

About me

More than a better rate

Here's what I care about beyond getting you a competitive rate or the property you're after: helping you cut your borrowing costs, clear the debt that's holding you back, and actually own your home outright.

I work closely with our back-office support team on the tricky paperwork. While I'm talking with you, they're making sure your application is progressing and keeping the lender moving. I'm in contact with them daily, so when you ask where things are at, you get a real answer.

  • Home buyers, including first home buyers
  • Investors building a portfolio
  • Home builders and construction loans
  • Credit-impaired situations
  • Over 60s
  • Self-employed borrowers

After settlement

Lifetime home loan maintenance

Once your loan is set up, I don't disappear. I want your mortgage to stay affordable over the long term, not just look good on the day it settles.

So I stay in contact with your lender and keep renegotiating on your behalf, which means you're not the one who has to notice that your rate slipped behind.

My clients

In their words

Illustrative silhouette shown in place of a client photo.
"I strongly recommend and speak very highly of Elizabeth from Emanate Finance. The effort and persistence she went through to get us across the line was an effort like no other. Cannot thank Liz and her team enough for their hard work and reassuring efforts. The communication was strong and she always answered any questions we had."
Samantha Moore
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"Elizabeth from Emanate Finance was fantastic at helping us refinance our home recently. Her professionalism and knowledge made the whole process so easy! We were very happy and would highly recommend her services to anyone. Thank you Elizabeth!"
Bron Van de Ven
Illustrative silhouette shown in place of a client photo.
"Was so supportive and reassuring throughout our whole experience as first time sellers, answered all our questions and followed up every insecurity we had. We couldn't recommend anyone higher than Liz to get you through all the ups and downs involved — she is truly professional and caring."
Nicole & Daniel Wieloch

Reviews are published as written by the clients who left them. The images are simple silhouettes, not photos of the clients.

Book a complimentary video call with Liz

I'll get to know your situation so I can answer your questions properly and give you clarity on how you could move forward — if you choose to. Everything is general information, and there's no obligation at the end of the call.

Video, phone or email — whatever suits you.

Good to know

Questions clients ask me

Who does Liz usually work with?

Home buyers including first home buyers, investors, home builders and construction clients, self-employed borrowers, credit-impaired clients, over 60s, and plenty of situations that don't fit a neat box.

How do appointments work?

By video or phone, at a time that suits you. The first call is complimentary and there's no obligation to go any further afterwards.

What happens after settlement?

Liz keeps in regular contact with your lender and renegotiates on your loan over time, so your rate and structure stay appropriate rather than drifting.

Is the first call really free?

Yes. It's a conversation about your situation and your options, in general terms. Any commission a lender pays on a settled loan is disclosed to you in writing before you apply.

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
See our Google profile