More choice
Compare options across 25+ lenders, so you're not limited to one bank and can see what better-fit choices may look like.
Finding home loans confusing?
Tell us what you're trying to do and we'll help point you toward the right next step, whether it be the right guide, calculator, or a broker review.
What are you trying to do?
30+ yearshelping borrowers
$10B+in loans settled
80,000+clients helped
4.8/5Google rating
Lender choice
Your current bank is not your only option.
A mortgage is one of the biggest financial decisions you'll make. Emoney compares options across 25+ approved lenders, helping you look beyond your current bank and find a loan that genuinely fits your goals.
BOQ
Lender panel and availability are subject to approval and borrower circumstances.
Broker guidance for buying, refinancing and reviewing your loan.
Emoney brings 30+ years helping borrowers, 80,000+ clients helped, $10B+ in loans settled and a 25+ lender panel to lender comparison, document preparation and existing-loan reviews.
Less legwork
Share your details once and we'll help manage lender requirements, documents, and follow-ups, keeping the key context together for a faster broker review.
You first
Brokers work to understand your goals, explain your options clearly, and act in your best interests when providing credit assistance.
Ongoing support
From application to annual review, emoney stays connected, so your loan can keep matching your needs as life changes.
How it works
Choose your goal, share the essentials, and we'll point the enquiry to the right broker or support path.
Choose your goal
Tell us whether you're buying, refinancing, reviewing your loan, or planning your next move.
Share the essentials
Add a few details so we can understand your needs, timing, and lending situation.
Emoney reviews your situation
Your enquiry is reviewed and directed to the right broker or pathway for follow-up.
Speak with a broker
A broker can check lender options, explain trade-offs, and help prepare the documents for review.
Trusted by borrowers for 30+ years.
Emoney has helped borrowers compare lenders, prepare documents and manage home-loan applications across $10B+ in loans settled.
Experience
30+ yearshelping borrowersSettlements
$10B+in loans settledBorrowers
80,000+clients helpedLender panel
25+ lendersapproved panelGoogle review excerpts
Don't just take it from us...
See what borrowers say about the support, communication, and calm guidance they received from emoney.
4.8/5 Google rating270 reviews- Clear communication: Samantha made everything easy with clear communication, regular updates, and prompt responses throughout the whole process. AnnaW, from Google reviews.
- Very pleased: Jordan Parks was very helpful, friendly, and made sure we got a great customer service experience. Angelo Scoleri, from Google reviews.
- Professional and helpful: Professional, courteous, patient and helpful. Queries and requests are actioned immediately with accurate results. Bern Kudrenko, from Google reviews.
- Easy to understand: Samantha was lovely and very professional, with regular updates and easy-to-understand guidance. Shaun Fell, from Google reviews.
- Super efficient: Tracy was super efficient, friendly, went above and beyond, and kept us updated on progress. Amy S, from Google reviews.
- Quick support: Madison was very helpful and so quick in responding to our query and getting our request actioned. Tina Hampson, from Google reviews.
- Hands-on communication: The efficiency of the service and hands-on communication made settlement feel quick and easy. Sinead Neville, from Google reviews.
- Quick to reply: Pete and his team were quick to reply whenever we had questions. A great experience. Andrew Crowther, from Google reviews.
- Kept up to date: The team were fantastic with communication, kept us constantly up to date, and found a solution. Michelle M, from Google reviews.
- Prompt and reliable: Gina was reliable, prompt, efficient, and always went that extra mile. Marie TM, from Google reviews.
- Friendly follow-through: Prompt, friendly and awesome follow through from Ian on recent loan matters. Chris Hitchcock, from Google reviews.
- Stress-free process: Kept fully informed through a stress-free process with professional, quick responses to questions. Suzanne Thomas, from Google reviews.
Calculators
Calculate the possibilities.
Estimate the starting point, then ask what a broker would check next.
Estimate$378,035
Guide only. A broker would still check income, expenses, credit limits, policy, and loan purpose.
Open full calculatorYour estimate is a starting point. A broker can check the real next step.Calculators can help you plan, but your options depend on your income, deposit, lender policy, and the loan structure that suits you.
These calculators provide general estimates only and do not take into account your objectives, financial situation, or needs.
Guides
Helpful guides for smarter home loan decisions.
Guides for buying, refinancing, loan reviews, documents and the trade-offs borrowers usually need checked.
Loan review8 min read
Home loan review guide: check whether your loan still fits
A guide to reviewing your current home loan after rate changes, income changes, fixed-rate expiry, renovations, or new property goals.
Read guide
Loan review7 min read
What to check before a fixed rate ends
Use this if your fixed rate is ending soon and you are weighing variable, refix, split or refinance options.
Read guide
Existing clients7 min read
Why an annual home loan review can be worth booking
Use this when your rate, income, renovation plans or property goals have changed since the last loan review.
Read guide
Refinance7 min read
What documents do you usually need to refinance?
Use this before a refinance review so current loan, income, property and ID details are ready for the broker or lender questions.
Read guide
Refinance8 min read
Refinancing guide: how to review your home loan
A direct refinancing guide for reviewing your current loan, checking costs, comparing options, and deciding whether to speak with a broker.
Read guide
Buying8 min read
First home buyer guide: what to check before you apply
A practical first home buyer guide covering deposit, upfront costs, pre-approval, documents, grants, and when to speak with a broker.
Read guide
Self-employed8 min read
Self-employed home loan guide: prepare the income story
Use this before a home loan conversation if your income comes through a sole-trader, contractor, company or business-owner structure.
Read guide
Broker education7 min read
Mortgage broker vs bank: what is the difference?
Use this when you want to understand the difference between one lender's products and a broker panel review.
Read guide
Loan features7 min read
LVR and LMI explained
Understand loan-to-value ratio, lender's mortgage insurance, and why deposit size can affect cost and lender options.
Read guideReady to compare your options?
Choose your home-loan path.
Tell emoney whether you are buying, refinancing or reviewing a loan so a broker can focus on the right checks.