Emanate Finance

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Short reads that change what your mortgage costs you.

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Let's Brush Up on Your OptionsVideo· BuyingLet's Brush Up on Your OptionsBefore you spend another year saving, make sure you understand all of your options.20 Aug 2026Mortgage NewsVideo· DebtMortgage NewsReports indicate many homeowners are actually paying more over the life of their loan after refinancing.18 Aug 2026MortgageSMART Puts Emanate Finance in the Running for Innovator of the YearArticle· PayoffMortgageSMART Puts Emanate Finance in the Running for Innovator of the YearOur MortgageSMART approach has earned Emanate Finance a national finalist spot for Innovator of the Year.18 Aug 2026Emanate Finance Named WA's Best Finance Broker at the 2026 Better Business AwardsArticle· Cash FlowEmanate Finance Named WA's Best Finance Broker at the 2026 Better Business AwardsPerth broker Daniel Reid took home Best Finance Broker at the 13th annual Better Business Awards, held at Crown Perth.16 Aug 2026Maybe it's time to stop following the herd.Video· DebtMaybe it's time to stop following the herd.Multiple repayments on top of your mortgage can make your finances feel like a zoo.14 Aug 2026RBA Welcomes Melinda Cilento to Monetary Policy BoardRate & market update· Cash FlowRBA Welcomes Melinda Cilento to Monetary Policy BoardThe RBA has welcomed the Treasurer's appointment of Melinda Cilento to the Monetary Policy Board.14 Aug 2026What Type of Home Loan Is Right for You?Article· BuyingWhat Type of Home Loan Is Right for You?Understanding the differences between home loan options helps you choose the right mortgage for your needs.14 Aug 2026Let's dig a little deeper into your depositVideo· BuyingLet's dig a little deeper into your depositYou could be closer to owning your own home with the Australian Government's 5% Deposit Scheme.13 Aug 2026Can't Afford Extra Repayments?Video· PayoffCan't Afford Extra Repayments?Small extra repayments made on your terms can save you tens or even hundreds of thousands of dollars.12 Aug 2026What to Do When the Bank Says No to Your Home LoanArticle· BuyingWhat to Do When the Bank Says No to Your Home LoanA declined home loan application from one lender does not mean that all options are unavailable.12 Aug 2026Meow-gage Mistake!Video· DebtMeow-gage Mistake!Sometimes a lower repayment can actually cost you more in the long run.11 Aug 2026RBA Keeps Cash Rate Target Unchanged at 4.35 Per CentRate & market update· Cash FlowRBA Keeps Cash Rate Target Unchanged at 4.35 Per CentThe Reserve Bank of Australia has left the cash rate target unchanged at 4.35 per cent.11 Aug 2026What Is Refinancing? Reasons For and AgainstArticle· DebtWhat Is Refinancing? Reasons For and AgainstRefinancing involves switching home loan lenders, but weighing the benefits against the costs is essential.10 Aug 2026Small Extra Repayments Make a Big DifferenceVideo· PayoffSmall Extra Repayments Make a Big DifferencePaying an extra $50 a week could save around $130,000 in interest.10 Aug 2026What Is a Credit Score?Article· BuyingWhat Is a Credit Score?Understanding how credit scoring works can protect your credit file when applying for a home loan.9 Aug 2026What's the Cheapest Loan?Video· DebtWhat's the Cheapest Loan?The people who make the biggest financial progress don't always have the lowest interest rate.8 Aug 2026What Happens If You Forget? Undisclosed Debts ExplainedArticle· DebtWhat Happens If You Forget? Undisclosed Debts ExplainedFailing to disclose all existing debts on a home loan application can result in delays or a decline.7 Aug 2026How Much Will I Save?Video· PayoffHow Much Will I Save?The best mortgage strategy isn't always the one with the lowest repayment.7 Aug 2026Tips to Refinance and Repay Your Tax DebtArticle· DebtTips to Refinance and Repay Your Tax DebtUsing home equity to clear tax debt can ease cash flow and break the cycle of falling behind.6 Aug 2026Debt Consolidation: Good or Bad?Video· DebtDebt Consolidation: Good or Bad?The goal should be to use debt consolidation as a stepping stone towards eliminating debt altogether.5 Aug 2026Minimum Credit Score Needed for a MortgageVideo· BuyingMinimum Credit Score Needed for a MortgageFind out how your credit score impacts your ability to secure a home loan.5 Aug 2026Income Required to Buy a $650,000 Home in AustraliaVideo· BuyingIncome Required to Buy a $650,000 Home in AustraliaHere is what you need to know about the income required to purchase a $650,000 property.5 Aug 2026Why Setting Up a Free Redraw Facility MattersVideo· Cash FlowWhy Setting Up a Free Redraw Facility MattersSetting up a free redraw facility gives you access to extra home loan repayments when needed.5 Aug 2026How to Avoid the 30-Year Mortgage TrapVideo· PayoffHow to Avoid the 30-Year Mortgage TrapTaking on a 30-year home loan does not mean you have to stay locked in for three decades.5 Aug 2026