Wipe DECADES off your Mortgage!
The Strategy That Could Save $500 - $2,000 Every Month In Repayments & Achieve Mortgage Freedom In 7 - 10 Years Book A Video CallTHE BANKS LOVE IT WHEN IT TAKES 30 YEARS TO PAY OFF A MORTGAGE
THEY MAKE BILLIONS
AUSSIE HOMEOWNERS ARE WIPING DECADES OFF THEIR MORTGAGE WITH THESE STRATEGIES!
Book Your Complimentary Mortgage Freedom Call
Time to make a change?
Why is it that some homeowners never seem to make a dent in their mortgage, often having a larger mortgage in 30 years than they started out with – whilst other homeowners that seem to have a very similar income and lifestyle manage to pay off their home in under 10 years, and even accumulate wealth through investment properties?
The answer is simple – they’re not following the banks advice and have a plan in place to make it happen!
Book your complimentary Mortgage Freedom Strategy call.
During the call, we’ll uncover
Your own custom plan to become mortgage free in as little as 7-10 years
How to reduce your repayments so you can have more spare cash each week
Our unique method to eliminate hidden bank fees that could be costing you thousands
How to avoid the 5 biggest mistakes homeowners make when refinancing
You’ll also walk away with ……
The one proven strategy that will set you up for early retirement, and…
Clarity over your financial future
We’ve lost count how many times our clients have commented on just how clear headed they feel after our sessions.
Emanate Finance is dedicated to putting bank profits back in homeowners’ hands with our proven method to become mortgage-free in as little as 7-10 years that the banks don’t want you to know.
There is a better way!
We help our clients take control of their own finances by creating a plan to have their mortgage paid out in a time that suits them and on their terms – not the banks, and fits their budget and lifestyle.
In addition, we have access to lenders you may not see advertised and that may offer better loan terms than the big banks, have more flexibility and offer more control over your future.
What’s more, after you home loan has settled, our team of brokers push the banks to their pricing limits by regularly renegotiating with them while you enjoy time with your friends, families and loved ones.
Our Mortgage Brokers offer
Proven strategies
More choice
More transparency
More education on whats REALLY going on
Free lifetime rate reviews
A dedicated contact person when you need answers
Bottom line… It’s about taking control of your financial future, simplifying your debts, and making tangible progress toward owning your home outright.
Book a complimentary chat with us today to explore how debt consolidation through refinancing can empower you to achieve greater financial stability and freedom.
Australian Brokers
All our Mortgage Brokers live and work in Australia, just like you
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Save time with a fully integrated online experience
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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!
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
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.
FAQ
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?
Yes!
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.