When was the last time you reviewed your home loan interest rate?

With the cost of living crisis, a mortgage is potentially your largest monthly expense. An additional discount on your mortgage can have a big impact on your long term interest savings over the life of your loan.

Banks sometimes charge a ‘loyalty tax’ where they don’t reward existing customers, but offer better interest rates for new-to-bank customers. Most borrowers don’t know how to negotiate with their bank, who to call or speak to at the bank, what to say, what to ask for or how to negotiate. Let us do that on your behalf with our complimentary service.

What is Spaving?

Spaving is a blend of the words "spending" and "saving." The concept behind "spaving" refers to spending money in a way that is intended to save money in the long run through a discount.

Who are we?

We are mortgage brokers, working for you and with you and in your best interests. Is your bank? We have been doing this for 10+ years, for thousands of clients, saving millions in interest for our clients over that timeframe and we know how to deal with the banks.

We are already doing this with all of our existing client base. We are always trying to negotiate and fight for a more competitive interest rate for them.

Your bank will never contact you (out of the blue) and provide you with an additional discount on your interest rate, so let us do it for you!

Fill in the below form. It is just a quick 3 minute process and we will go to your bank and negotiate on your behalf to try to get you a more competitive interest rate on your existing mortgage loans.

Where do I start?

Fill in the below form – just a quick 3 minute process - and we will go to your bank and negotiate on your behalf to try to get you a better interest rate on your existing mortgage loans.

Once completed, we will send you -

a summary of your responses (which can be edited if required)

a copy of our credit guide (also available via the link below)

an authority form to sign (so we can act on your behalf with your lender) and

a copy of our privacy policy (also available via the link below)

All of your information is kept confidential and secure.

Start Spaving Today

Are you ready to get started?

Expert guidance and impeccable service

If you've got big goals, we've got the expertise to help you make it happen. We'll scour the market for the most competitive products, negotiate with the banks, and make sure the process is seamless.

Phone us

Speak to one of Brisbane's best mortgage brokers

You're in safe hands with our award-winning team of Brisbane finance experts

The Emerge Finance team are at the top of our game, and we've got the industry awards to prove it. We've helped thousands of Australians purchase – and pay off – their first home or dream home. It's our job to ensure you get a loan you can live with, today and tomorrow.

Recognised as one of Queensland's leading businesses

TheAdviser: Better Business Award - 2021 Finalist for Best Residential Broker

TheAdviser: Better Business Award - 2019 Finalist for Best Residential Broker

There are over 16,000 mortgage brokers in Australia. We're one of the Top 100

We work for you, not the banks

We help hard-working people realise the Great Australian Dream of home ownership. To us, finance is about helping you build wealth so that you can live a life on your terms. It's a journey we love sharing with our clients.

Meet the team

What our clients say about working with us

    
 
 
        
   Natasha JANULIS 
 28. May, 2024
 
 
  Always a pleasure working with Simon and the whole team at Emerge Finance.

Everyone is incredibly friendly and helpful.
I would highly recommend this place to anyone looking for high quality service and a great overall experience.

I have been working with the team for 4years now and I wouldn’t pick anyone else to get my morgages. :) :)
  
 
       
   Mark Scott 
 23. May, 2024
 
 
  We were recommended Adam and his team from one of our friends, and they were absolutely fantastic. They made the daunting experience of purchasing our first home a lot smoother, and made it surprisingly stress free. Adam’s communication and advice couldn’t have been better during the whole process, making sure we understood everything going on. Michelle was also great in assisting us with the finance and documentation side of the process. Couldn’t recommend more!
  
 
       
   Lisa Tamoua 
 22. May, 2024
 
 
  Simon and Michelle at Emerge Finance truly exceeded our expectations! We were facing a challenging finance situation with a tight deadline, but they handled it with grace and expertise. Their dedication and professionalism shone through as they diligently explored numerous mortgage solutions tailored to our needs and absolutely saved us thousands. Their accessibility and clear communication made the process seamless for us. Without their invaluable assistance, we would have missed out on purchasing our dream home. We wholeheartedly recommend Simon and Michelle and the team at Emerge for anyone seeking top-notch financial solutions!
  
 
       
   Clinton Grills 
 17. May, 2024
 
 
  We recently purchased a place in Sydney and Adam and Michelle were very helpful, making the whole process of getting a home loan painless.

We are confident that we currently have the home loan best suited to our needs, and knowing that Adam and the team will review our circumstances and our loan every few years to make sure we always have the loan best suited to our needs is very reassuring.

Highly recommended.
  
 
       
   Susie Long 
 15. May, 2024
 
 
  I found Adam, Linda and everyone I encountered at Emerge extremely helpful, knowledgeable, and thorough.  I will definitely be engaging Emerge again for any future finance assistance.  Thanks team! Fantastic job and a pleasurable experience. Susie.
  
 
       
   Alice 
 14. May, 2024
 
 
  I recently worked with Adam and the team at Emerge Finance for the purchase of my first home, and I couldn’t be more pleased with the experience. The guidance that Adam and the team gave me in planning and eventually making my first purchase was invaluable and made the process incredibly smooth and stress-free. Adam took the time to understand my personal financial situation, explain various loan options and guide me through each step. Adam and the team were always available and ready to help out with any questions along the way. I highly recommend their services to anyone. Thank you for making my first home buying experience an easy and positive one!

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