Welcome to a brand new ema, a fresh perspective on your finance. ema's difference Let’s work out where you stand with your current financial situation. Simply have a play with our calculator tools to get a clearer picture. Calculate Your Financial Power Rates below 3%p.a. Rates below 3%p.a.* Can’t get any lower, talk to us how we can make this happen. Start with a $5k deposit Buy your own home with $5,000 Deposit* Simply ask ema Are you Self-Employed? No worries, We are your Self-employed Specialists! Ask ema how we can help.