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Home Buyers & New Home Builders

You deserve the excitement of owning your dream home in Australia!

With tailored finance solutions and competitive home loans just for you, envision a future where your financial goals and homeownership dreams align perfectly.

The right home loan can transform your dream home into a reality.

Take the leap and chat to our team today.


Are you ready to embark on your on the exciting journey as a First Home Buyer in Australia?

Buying your first home in Australia is a significant milestone, and understanding the key steps is crucial for a successful journey.

Financing your first home shouldn’t be complicated and we’ve empowered many First Home Buyers with the knowledge and education needed to settle on their first home.

 As a first home buyer, here are some of the key steps that we will guide you through:

  1. Assess Your Financial Position: Before diving into the property market, we’ll help you evaluate and understand your financial situation. Together, we’ll take some time to consider your savings, income, and expenses to determine your budget and affordability.
  2. Explore Government Assistance: You may be able to take advantage of government schemes designed for First Home Buyers. Like the First Home Owner Grant (FHOG) and the First Home Loan Deposit Scheme (FHLDS) We’ll help you understand if you qualify for financial assistance.
  3. Get Pre-Approval for a Home Loan: We’ll get you a pre-approval to confirm your borrowing capacity and gain a competitive edge when making offers. Our team will compare home loan options, interest rates, and repayment terms to find the best fit for your needs.
  4. Find Your Dream Home: Now the fun starts – you can start house hunting with confidence.
  5. Negotiate and Make an Offer: Once you’ve found a suitable property, negotiate with the seller or their agent to make a formal offer on your new home, and be sure to include any conditions you see fit – such as building and pest inspections.
  6. Get Your Home Loan Formally Approved: With all conditions met and finances in order, it’s time to finalize the purchase and get your home loan formally approved.
  7. Settle In and Enjoy: After settlement, it’s time to move into your new home and start enjoying the perks of homeownership.

Navigating the process as a first home buyer may seem daunting, but with careful planning, research, and professional guidance from our experienced team, you can turn your Aussie homeownership dreams into reality, faster than you think!

Time to upgrade and buy your dream home in Australia?

You’ve done it before – so you know just how challenging the whole process can be, from getting a home loan pre-approval, to listing your home for sale (or renting it out if that’s what you want to do) , finding a new home, getting your finance formally approved and moving in to your new home.

Let us take the stress of home loan approvals and bank jargon away so you can focus on the fun parts – like finding your dream home.

We can help with a range of options from second home finance, bridging loans, subject to sale finance and even setting up your old home as a rental property for some additional passive income.

Trust our experienced mortgage brokers with financning your next home!

With access to over 35 home loan lenders, we’ve got you covered. Everything from the major banks, smaller lenders and broker exclusive products – even if you have had credit issues in the past!

We’ll provide you with the information you need to make the decision that is right for you. We do all the grunt work, manage the home loan application process and can help liaise between any third parties – such as real estate agents, settlement agents and whoever you should need help with.

You’ve got this – and we’ve got your back!

Sometimes the best way to get your dream home is by simply building your dream home.

This puts control of your new home in your hands so you can have the home of your dreams.

A construction loan usually involves two vital stages

  1. Acquiring the land, then
  2. Building you home

In many cases the land comes from a new subdivision through a land developer – but this is not always the case. Perhaps the subdivision is too far away from your dream location, or the land sizes are not a good fit for your dream home.

When searching for land for your dream home, consider exploring traditional sales avenues. You may stumble upon single blocks of land for sale, old homes just waiting to be knocked to make space for your new home, or landowners subdividing their properties. These options offer exciting possibilities to bring your dream home vision to life.

Navigating construction loans requires expertise, as there are numerous intricacies that can be overlooked without experienced construction loan professionals on your side. Our team excels in construction finance, ensuring your loan is structured correctly, meets your needs, and provides a competitive edge.

Unlike many developers and building companies limited by lenders or new and inexperienced finance teams, we offer access to over 35+ lenders. This extensive network grants you more choices for your loan, eliminating the hassle from finance so you can focus on bringing your dream home to life. Trust Emanate Finance for a seamless journey towards your dream home.

Building a property portfolio is a strategic way to grow wealth and secure future financial goals.

At Emanate Finance, we specialize in assisting investors in financing and buying investment properties in Australia.

For those looking to begin their property investment journey, or expand their existing property portfolio, we offer expertise tailored to your needs. Our team not only helps secure great rates for your loans but also provides guidance on potential future purchases and organizes pre-approval, streamlining the buying process.

We understand the importance of regular reviews for our investor clients. Through our annual review process, we assess your current position and explore how we can further assist you in achieving your wealth goals. Our goal is to provide the right loans with great rates, ensuring your long-term financial success.

As a property investor, you may also benefit from various tax advantages, such as negative gearing, depreciation, and tax minimization. However, navigating these benefits requires specialized knowledge. We recommend seeking professional advice to fully understand and leverage these opportunities.

Our team is here to guide you through the complexities of property investment taxation and provide insights into maximizing your returns. Speak with us today, and we’ll point you in the right direction to get the answers and support you need for successful property investment in Australia.

Trust Emante Finance for comprehensive financing solutions and expert advice on building your investment property portfolio.

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