The Emanate Difference
Here’s how our focus on you ensures you get the right finance solutions
Commitment to education and understanding
Our approach to your financial position is education focused – our mortgage and finance brokers truly believe that if we can educate you along the way, we can empower you understand you own finances, reduce your home loan faster and take control of your financial future.
We don’t take no for an answer
We know the ‘tricks of the trade’ and take the time to understand your situation, we know how to turn the bank’s around and get you in to your home sooner!
Committed to you now, and into the future!
What is right for you now might be change in 12 months’ time – perhaps you have more equity in your home, or perhaps some exciting new home loan products have emerged?
Our mortgage brokers will contact you each and every year for you review. You don’t need to chase us, you can set and forget and rest easy knowing that when the time comes – we will call you for your annual home loan review.
‘Too hard basket?’ – Not us!
If for some reason we are unable to find a solution for you now, we will work with you for as long as you need until we can find a way to achieve your goals and to get your home loan approved!
A full range of finance services to meet your needs
More than just home loans – Our finance solutions aim to save you money, grow your wealth and business, and protect you and those you care about.
Home loans
Vehicle and Asset Finance
Personal Loans
Investor Finance
Business finance
What our clients are saying
We make it our mission to do more than just get your loan approved. Sure – we’re great at that – but doesn’t it make more sense to empower you with the knowledge to understand what is going on with your own finances?
The latest from our blog
Securing a mortgage if you are self-employed
Banks are continuously changing and tightening their policies, so it’s no wonder that self-employed loans can seem daunting and unclear. Each lender has their own set of policies – or rules if you want to call it that – and so navigating the variances from one to the next can be time consuming and can even cause irreversible damage to your credit rating. Check out this article for more info on self-employed home loans.
The REAL cost of buying your home!
If you’re about to get in to the market for a new home then you need to be aware of the potential costs before you sign on the dotted line. It important to ensure you have a good idea of these costs well in advance in order to ensure you are not short on funds at settlement and give yourself ample time to come up with the cash. Here are some of the costs to be aware of in advance.
Mortgage Offset Account – What’s All the Hype About?
An offset account helps to reduce the amount of interest you pay on your mortgage, which in turn helps to reduce the principal at a faster rate – check out this article for some insight in to how an offset home loan account works.
What can you do when the bank says ‘No’ to your home loan application?
Just because your bank says no, this doesn’t always mean no! It seems simple, but just understanding your financial position thoroughly will make a huge difference. Read on for some great tips on what to do when you get a declined application.
Is it still possible to get a home loan with bad credit?
Many lenders use a credit scoring program for evaluating your credit “worthiness” prior to approving your home loan. If you’ve been hit with a low credit score, credit score decline or just know you have defaults and bad credit then this article is for you!
Giving the right information for your home loan application can save you!
When applying for a home loan, there is a very delicate balance between giving the bank too much information and not enough! Check out this article for some quick tips on structuring your application.