Next Home Solutions


Let Emanate Finance guide you

to your next home

Time to upgrade? We’ve got you covered


Is now the time to upgrade to your next home? We all have changes in life and moving in to your new home can be stressful enough without having to worry about getting your home loan approved.

Let us take the stress away and allow you to focus on the more fun parts – like finding a new 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 Perth mortgage brokers with your next home!

YES! We can help you make it happen


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.

Questions about your next home loan??


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 long will it take
Our first discussion will take around 15 minutes or so. There may be some information I will need you to send me through. After we have what we need, we’ll provide you with a range of options suited to your circumstances, at fair rates and we’ll do all the grunt work. Generally we recommend to allow 28 days for finance – but in most cases it can be done in a matter of days.

Our experience means that we know exactly what information is needed so we can make sure your home loan application runs as smoothly as possible and has an outcome in the shortest time possible.

How much deposit do I need?
Deposit requirements range depending on which lenders you are eligible for, with any luck you will have equity available in your current home and may not need to save up a deposit for your second home – you may not even need to sell your current home at all!

You may be able to simply use the equity in your current home, apply for a cash-out home loan, consider bridging finance or use the sale proceeds if you are selling your home.

We’ll help you understand each option, who you qualify for and how to ensure the best chance of success with your chosen home loan.

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.

Visit our ‘True Borrowing Power Calculator’

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, 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.



Lets find out what is possible for you.

Give us a call or complete the form below

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