Personal Finance

For Cars, Bikes, Boats, Caravans, Business Equipment, Personal Loans and everything in between
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Finance for all occasions

Sometimes you just need quick and easy finance to buy the things you need now.

Whether it’s assets like cars, boats, bikes, appliances, or personal loans for unexpected expenses, if you need it quickly and don’t want to wait, we’ve got you.

Get the funds you need without the stress.


How Can We Help?

Cruise into your dream car today with a loan from Emanate Finance!


We understand that everyone’s car needs are unique. Whether it’s ensuring your family’s safety during school runs or indulging in a sleek sports car to turn heads, we’ve got the perfect finance options for you. Our range of affordable and competitive loans caters to every budget and lifestyle, making your car dreams a reality.

We go far beyond just cars too.

Almost any roadworthy vehicle can be financed including Caravans, Trailers, Vans and more.

Book a complimentary chat with our team today to see what is possible!

Set sail on your maritime dreams with boat finance solutions from Emanate Finance

Whether it’s a sleek yacht for luxurious getaways or a sturdy fishing boat for weekends on the water, we offer tailored financing options to suit your needs.

Our competitive rates and flexible terms ensure a smooth sailing experience, making boat ownership more accessible and enjoyable. 

With Emanate Finance, you can navigate the seas with confidence and embark on unforgettable aquatic adventures.

Book your complimentary chat with our team today.

Cruise down the highway on your two wheel dream



Riding a motorcycle evokes indescribable sensations—freedom, excitement, and a touch of danger all intertwined on the open road. For many, it’s not just a thrill; it’s practicality—affordable, nimble, and eco-friendly.

Whether for joyrides or daily commutes, our finance options cater to diverse budgets and lifestyles. Experience the allure of motorcycle ownership with our affordable and competitive financing solutions. 

Because when it comes to embracing the thrill of the ride or the practicality of two wheels, we’ve got you covered.

Book a complimentary chat with our team to chat motorbike finance today.

Haul your business to its next destination with affordable finance



Keep your business moving and let us drive your finance home.

Our dedicated consultants understand the complexities of running a business and work tirelessly to alleviate financial stress.

Stay in control of your business while we navigate the finance landscape, ensuring you secure the a great deal for your next truck.

Let us handle the finance details so you can devote your time and energy to what matters most—driving your business forward.

Trust Emanate Finance to keep your business moving smoothly.

Book in your complimentary chat with our team today.

Elevate your business’s performance and productivity with the latest cutting-edge equipment

Thriving in today’s competitive landscape demands staying ahead.

Busy entrepreneurs require seamless equipment upgrades or workshop fit-outs, which is where our professional team excels.

We grasp the intricacies of business finance because we are entrepreneurs too.

Concentrate on vital tasks and let us sort your finances.

Every dollar matters, and our expertise ensures smooth navigation of the finance realm, empowering you to prioritize what truly matters in your business journey.

Trust Emanate Finance to streamline your equipment finance and book your complimentary chat today.

Finance for everything else, and everything in between 

Navigating finances can be overwhelming, but our personal loans are here to make life easier. Whether it’s funding a dream wedding, renovating your home, or consolidating debt for peace of mind, we’ve got you coveredImagine saying “yes” to that dream vacation or finally owning that vintage car you’ve always wanted.

If you have lots of smaller loans and credit cards, why juggle multiple payments when you can simplify with a single, manageable repayment?

Personal loans can also be used for debt consolidation to ease your financial strain, allowing you to focus on what truly matters.

(Bonus tip: If you’re also a home owner, why not chat to use about how you can use your home to consolidate everything into one repayment)

Take charge of your finances today and enjoy a smoother loan process with access to a wide range of lenders.

Book your complimentary chat today and let’s see if we can get what you need.

Trust Emanate Finance

What to Expect

When financing your home or investment with us, expect honest advice tailored to your needs. We prioritize your satisfaction, ensuring a pressure-free experience.

Our professional team keeps you informed every step of the way, ensuring transparency and clarity throughout the process.

Your goals and preferences are our top priority, and we work tirelessly to exceed your expectations and guide you toward your dream home with confidence.

The Highlights


Honest Advice


No Pressure


Fast Turn Around


Clarity On Your Position

Australian Brokers

All our Mortgage Brokers live and work in Australia, just like you

Save Time Online

Save time with a fully integrated online experience


Safe & Secure

You private information is safe with us

Video Chat

What with us by Video, phone and email

5 Star Team

With 5 Star on Google, you know you're working with the best!

Lifetime maintenance

We regularly renegotiate on your home loan whilst you sleep!

Real Stories

Our Clients

Back to homeownership after bankruptcy

Luke & Rachel Almos

After filing a Part IV Bankruptcy, Luke & Rachel thought they'd be trapped in the rental market for good. Read the story of how Luke & Rachel went from paying $450/week rent, to paying $250/week on their new home!

First Home Buyer

Frank Milly

Approached his own bank directly and was told he needed an unachievable 30% deposit due to the location of the property. Read his story to find out how we solved his dilemma and got him into his first home!

Dissapointed long-time loyal bank client

Laura & Timmy Hall

Laura & Timmy were shocked to find their bank was offering rates a whole 1% lower to win new customers, and were heartbroken when they refused to repay their loyalty with that same rate.

Too many repayments

Tori Mannis

From struggling to get by and meet the repayments on 10 different loan accounts, to being in a position to debt free and own her home outright in as little as 7 years.


Frequently Asked Questions

How much deposit do I need?

Deposit requirements are different from one lender to the next. Typically, most lenders need a minimum of 5-10% of the purchase price + any relevant government fee's and stamp duty.

That said, there are some state-based lenders that only need a 2% deposit, and there are many government schemes available that may help home buyers, such as waived or reduced stamp duty and cash grants that can be used towards your deposits.

In additional, we have access to a range of parental guarantee lenders that will enable you to use equity in a family member’s home rather than having a cash deposit.

Our team will guide you on what you may be eligible for.

Can my parents help buy a home without a deposit?

Yes! In fact, this is a common situation we help home buyers with everyday - it's often referred to as a 'Parental Guarantee' - but also has many other names. The bottom line here is that your parents may be eligible to provide you with assistance by using their own home to help you buy your new home.

Some lenders even allow other family members, such as brothers and sisters to provide a guarantee.

The benefit of this is that you often don't need a deposit at all, and you avoid Lenders Mortgage Insurance (LMI). 

We'll chat to you about this in more detail, and can explain how this works to your parents or guarantor.

What Government Grants and Assistance can I access?

There are a range of grants and concessions available. We will walk you through everything you need to know as a First Home Buyer.

There may also be assistance for second home buyers and families.

I'm self-employed and don't have tax returns - can I still get a home loan?

Yes! Some lenders think outside the box and can verify your income through other methods that do not require tax returns.

The income does still need to be an accurate reflection of your earnings, but many lenders will consider low documentation home loans, otherwise knows as a 'low-doc' home loan.

Can you help me with Car loans & Personal Loans?


We have an extensive range of lenders covering everything from Cars, Trucks, Boats, business equipment and Caravans - all the way through to personal loans for worthwhile purposes, including holidays, renovations, consolidations and everything in between.

Can I refinance a high payment car loan?

In the same way that there are lenders who offer better rates a home loan refinance, the same may be the case with vehicle financing.

Speak with our team to consider your options.

Can I refinance a balloon payments on my car?

Yes - some lenders will consider refinancing a balloon payment on your car.

Some may even allow you to roll this over onto a new car purchase if it's time to upgrade.

Speak with us to see what is possible.

What are the tax benefits?

It’s true, there is an exciting range of tax benefits that may be available to you as a property investor – from negative gearing and depreciation, through to tax minimization.

This is a very specialised area and we recommend seeking professional advice before making any decision.

Speak with us and we can point you in the right direction to get the answers you need.

How much can I really borrow?

Online home loan borrowing calculators are notoriously inaccurate and can often set you off on the wrong path. To make your chance of success harder, each lender will use a different method to calculate how much they will lend you.

Our proactive approach to understanding your borrowing capacity ensures you can go house hunting with some certainly over just how much you can really spend.

We provide a full assessment of your financial position to ensure we understand which lenders you qualify for, and how much each will lend to you.

If you want to know your true borrowing power, chat to us or visit our True Borrowing Power Calculator by clicking here.

How long will it take?

Our initial discussion will usually take no more than 15-20 minutes over the phone or video to ascertain what options may be available to you, but we make ourselves available for longer should you have any additional questions or needs some more time with us.

During that time we can give you all the information you need to guide you on your way.

If you’re happy with what we’ve spoken about we can arrange a pre-approval to give you peace of mind and ensure you can put forward a strong purchase offer.

Each lender will have a different application time frame and we can advise you of what they are.

Can I keep my old home as a rental property?

This is an exciting way to build wealth for your future and many first time property investors started out this way.

It sounds like a great idea to have someone else pay off the mortgage on your investment property – so why wouldn’t you?

There are some important pieces of the puzzle to consider first, so it is recommended to speak with our home loan experts before making any decisions.

How much can I save by refinancing?

We will provide you with a full review of your mortgage and provide a comprehensive home loan lender comparison that will break down each lenders fees, charges and interest rates to make it clear just how much you can save.

It’s not uncommon to save half a percent or more on your interest rate, we’ve even seen reductions as high as 3 or 4 percent on a home loan rate.

A 0.5% savings on a $400,000 mortgage could be as much as $130* or more per month or about $46,825 over the life of the loan, or buy putting those savings back on your mortgage could save $69,651 and  have you owing your home 3.8 years sooner! – so it makes sense to take a proactive approach to your finances with regular reviews.

That's a whole years salary for many working Aussies!

*$130 per month calculated based on a $400,000 mortgage bring reduced from 6.5% down to 6%

Do I need to change banks all the time to keep a good rate?

We take a pro-active approach to annual home loan reviews and will contact your each and every year. The purpose of your review is not to change lenders every year, but to ensure that the mortgage we set up for you is still working as expected and is still competitive – in most cases, there won’t be a need to make any changes at our annual review.

It could be a simple change with your current lender, or no change at all – or perhaps there is another bank worth considering.

Whatever it may be, we will be sure to let you know when the time comes.

Get Started

Book a video call with a home loan specialist