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In the mean time please enjoy below some of our recent educational blogs.
The Emanate Difference
Here’s how our focus on you ensures you get the right solutions
Commitment to education and understanding
Our approach to your financial position is education focused – we truly believe that if we can educate you along the way, we can empower you understand you own finances 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!
Committed to you now, and into the future!
What is right for you now might be obsolete in 12 months’ time – perhaps you have more equity in your property, or perhaps some exciting new products have emerged?
Will contact you each and every year for you review. You don’t need to call us, you can set and forget and rest easy knowing that when the time comes – we will call you for you 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!
What is Refinancing? Reasons for and against!
When considering if you should switch your home loan you should always consider your goals and if it will help you achieve them faster. Consider if the benefits outweigh the negatives first. Here are some reason for and some reasons against refinancing.
First home buyer myths busted!!
Almost everyone has an opinion when it comes to property and there are countless myths running around Perth – whilst it can certainly make great weekend BBQ conversation, be sure to get the right information. Here are some of the most common first home buyer myths!
No refinance rate reduction tricks: Insider info on how home owners may get a better rate from their current lender – no refinancing involved!
Ever wanted to know how some people seem to have such low rates but others don’t? Here are some tips to securing a lower rate from the current lender that doesn’t involve any refinancing or switching lenders and may not be so reliant on properties value, require any income verification or lead to any mortgage insurance.
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.
Home loans
Solutions for the first home buyer, your next home, and for the self-employed
Vehicle and Asset Finance
Finding creative solutions to enable you to drive the car you really want
Personal Loans
Lifestyle finance solutions and anxiety-reducing debt consolidation
Investor Finance
Investor solutions to enable you to grow your portfolio and long term wealth
Business finance
Accelerate growth and profit with business and equipment solutions
Insurance Solutions
Find out what cover may be available for the unexpected
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