Debt Consolidation

Breathe easier and save money

with Emanate Finance

Giving you the breathing space you need!

Reduce stress, save money and feel OK about answering the phone

If you are struggling to keep up with your current repayments, or just want to simplify your finances – then a debt consolidation could be the answer you are looking for!

Debt consolidation is the process of combining or re-structuring a number of different debts into a single loan in order to reduce the burden on your monthly cash flow. Why struggle with making multiple payments to things like a personal loans, car loans and credit cards, when we can simplify your finances with a single monthly, weekly or fortnightly repayment.

Don’t wait until it is too late and your accounts start becoming overdue. Once this starts to happen it can make it be challenging to refinance debts with arrears – contact us today and take a pro-active approach to your debt consolidation. You will enjoy a much smoother loan process with far more lenders to choose from!

Complete the contact form below or give us a call and let’s make it happen

Questions about debt consolidation loans?

Is this the best option for me if I want to manage my debt?

We have a range of different options available to help with consolidating debts. A personal loan consolidation is only one of the options, but could be a great way to reduce the number of accounts and simplify your monthly budget.

What is the difference between a secured and unsecured loan?

Secured personal loans may offer some advantages, whether you are using the new purchase as security, or simply using an existing vehicle to satisfy the lender – it may be a way to secure and lower rate or help support a high loan amount.

a. You have as much information that you need to make a decision

b. Do the hard work to find the right loan and the right rate through the massive panel of lenders we can access

Do I need a deposit?

Most personal loans don’t have a requirement for a deposit, however it may help increase your chances of an approval if your personal loan is to purchase assets.

How long will it take?

Our initial discussion will take no more than 15-20 minutes over the phone to ascertain what options may be available to you.

From there we can give you all the information you need to guide you on your way, each lender will have a different application time frame and we can advise you of what they are.

How much can I really borrow?

Online 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.

Lets find out what is possible for you.

Give us a call or complete the form below

Emanate Finance

5.0

Based on 105 reviews

review us on

Christo Roelofse

22:17 02 Jul 24

Elizabeth and Emanate Finance is a great ! This is the second time I have used them and everything went smooth without a hitch. They really know all the ins and outs and can be trusted and have your best interest at heart. They know the process and know what banks are good for whatever your situation might be. Highly reccommend this company !

Bijoy Paul

23:51 30 Jun 24

It was a fantastic experience from Chester Blaxell, Emanate Finance in terms of professionalism, communications and recommendations/ advocacy. Really benefited and enjoyed the service!

Kyle Hilder

04:41 05 Jun 24

Great place for all your finance needs.My Broker was Elizabeth Duck and she was fantastic, very knowledgeable always had an answer for my questions. Process was very quick and easy.Highly Recommend!

Byron Hilder

06:35 31 May 24

A very good service would recommend them to all my friends and family

Louisa Karangaroa

04:38 31 May 24

If you want a broker who absolutely listens and cares about yours and your family needs. Then look no further! The best broker in all of WA who goes above and beyond! Liz and her team Shennie are nothing short of amazing!! Thank you guys so much :)

Lyn Hawkins

07:29 22 May 24

Cat showed how we can save massive amounts of money with a better interest rate than our existing lender, discharging our home mortgage and reducing the loan term of our investment property mortgages. Her knowledge, patience and professionalism is exceptional. I highly recommend her services.

07:02 15 Apr 24

We would like to thank Cat Marriott for the amazing service, her professionalism, responsiveness and integrity is highly recommendable. The whole process was too quick and easy with Cat’s guidance. We highly recommend Emanate Finance and the whole team.

Samantha Moore

01:20 21 Feb 24

I strongly recommend and speak very high 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 & her team enough for there hard work and reassuring efforts.The communication was strong and always answering any questions we had.

Angelina Mcklaren

06:52 12 Jun 23

Would highly recommend Emanate Finance. Liz and her team went above and beyond for us. She was patient and took much time needed to find the best outcome for us. Would highly recommend these guys to anyone and everyone! Absolutely 5+++ stars ! Brilliant service, super friendly and very efficient! Thanks so much for helping us out. You rock!

Sunita Singh

11:15 17 May 23

Thanks so much, Cat Marriott, for making this process as simple as possible, for always being available for questions. We so appreciate your responsiveness and integrity. You've made our dream into reality. We won't hesitate to refer your great service if given the opportunity"Sunita & Sunil

Laurane Seeley

23:00 31 Mar 23

The service I received Emanate was quick and thorough. Cat, was very friendly and easy to talk to, was very patient with me on things I didn't understand until I understood them, and assistance was great with the online details that I wasn't sure of, I received help over the phone to finalise the paperwork. I recommend Emanate to anyone trying to refinance... Thanks for your help Emanate & Cat for all the help :)

ALISON REED

04:42 17 Mar 23

Matthew Bailey mortgage broker went above and beyond, constant contact with us and bank to be able to refinance and give us a much cheaper rate. He made it a nice and easy process .We doubted we’d be able to , he made it happen .cannot recommend him highly enough .

Nicola Hardy

09:38 08 Mar 23

Melanie has been an amazing support throughout the process. She has gone far and beyond for us on several occasions! I would highly recommend you contact her for a chat!! Thanks so much Mel!!!!!

M W

03:10 17 Jan 23

Great service with a strong client focus! Cat Marriott was fantastic to work with when it came to refinancing our mortgage. She understood our needs and made the whole task a lot easier for us...mainly for me who dreads dealing with the banks. I appreciate how she took the time to explain parts I did not understand and kept us consistently updated at each stage of the refinance process.

Amanda Bryant

09:39 15 Dec 22

Elizabeth Duck was absolutely amazing!!! We can’t thank her enough! With her assistance and support we were able to refinance our mortgage and it wouldn’t have been possible with out her fantastic support and guidance. Liz is so professional and kept us updated through the whole process. I will be highly recommending Liz to anyone! I also want to thank my friend Lisa who referred Liz to us, as she absolutely right when she said Liz was Fantastic!!