Emma Klingner
Living Home Loans
Senior Mortgage Broker · Finance Broker
About me
With over 19 years of finance and lending expertise, I am passionate about helping clients make confident, well-structured property decisions. Based in North Lakes, I assist local, interstate, and international clients both in person at our Mitchelton office and virtually via Google Meet.
Having built a strong foundation with a major bank before becoming a Mortgage Broker in 2016, I now serve as a Senior Mortgage Broker at Living Home Loans delivering tailored lending strategies for every stage of life.
Best referrals for me
I partner closely with Accountants, Financial Planners, Real Estate Agents, and Buyers' Advocates. I provide the strategic lending foundation that helps your clients execute their financial plans with confidence.
Who I Can Help Best:
First Home Buyers: Scheme navigation, deposit strategy, and borrowing capacity guidance.
Property Investors: Portfolio expansion, equity release, and tax-effective loan structuring.
Self-Employed Borrowers: Complex income assessments, alt-doc loans, and trust setups.
SMSF Property Lending: Compliant residential and commercial LRBA loans.
Refinances & Restructuring: Rate optimization, equity release, and cash flow improvement.
How I can help other MBP members
I believe a mortgage isn't just a transaction, it’s one of the largest strategic levers in a client's financial life
While anyone can secure a loan, my focus is on building the right strategy behind it. I work closely with MBP members to ensure every loan structure serves the bigger picture, whether that’s building a property portfolio, optimizing tax efficiency, or improving long-term cash flow.