Emoney is a mortgage broker, not a bank
Emoney brokers compare home loan options available through a panel of lenders. They explain the differences, help prepare the application and work with the lender through to settlement.
Mortgage brokers who understand your plans.
For more than 30 years, Emoney brokers have helped Australians buy, refinance and review home loans. Your broker compares options across the lender panel, explains the differences and helps manage the application through to settlement.
Emoney is based on the Gold Coast and works with borrowers throughout Australia.
Emoney Home Loans in numbers
- 30+
- years helping borrowers
- $10B+
- in loans settled
- 80,000+
- clients helped
What does Emoney do?
Help with buying, refinancing and investing
First-home buyers, existing owners, property investors and self-employed borrowers can speak with Emoney about a new loan, refinance or review of their current loan.
A review based on your situation
Your broker reviews your income, deposit or equity, plans and timing before explaining the available options and how they compare. The website helps you prepare for that conversation.
Lenders and loan policies have changed. The work still starts the same way.
First understand what the client needs. Then work out which lending path is worth considering.
Emoney has helped people with first homes, next homes, investment properties, refinancing and lending situations that need a closer look. Working across a lender panel means the conversation is not limited to one bank.
Clients also come back after settlement. Sometimes a fixed rate is ending. Sometimes work, family or property plans have changed. Sometimes they simply want to know whether the loan they have is still doing its job.
How the broker process works.
Start with your plans. The loan work follows from there.
- 01
Start with the reason
Tell us what you are planning, what has changed and where you need help. You do not need to arrive with a lender or loan picked out.
- 02
Review the details with a broker
Your broker looks at the numbers, timing, loan structure and lender requirements that apply to your situation.
- 03
Compare a workable path
If an application makes sense, your broker explains the options, checks the documents and works through the lender process with you.
- 04
Review the loan when life changes
A fixed-rate expiry, move, renovation, investment plan or change in income can be a reason to check whether the loan still fits.
You do not need to pick the loan before speaking with us.
Start with what you are trying to do. A broker can then work through the relevant details, lender requirements and next steps with you.
- Buying a first home
- Moving or upgrading
- Refinancing a current loan
- Buying an investment property
- Applying while self-employed
- Working through a less straightforward situation
Already have a loan through Emoney?
Your lender login is in the Client Portal. If you want us to check your rate, repayments, or loan setup, ask for a loan review.
Emoney Pty LtdAustralian Credit Licence 386 494 · ACN 079 790 364
Information on this page is general. A broker needs to review your circumstances before discussing a personalised lending option.
Not sure where to start?
Tell us what you are planning. Quick Check takes less than a minute and gives the broker a useful starting point.