About Us

About Us

Our experienced team makes your dream of owning property a reality!

Andrew and Kirsty Best established Living Home Loans in 2016, because they wanted to help property buyers achieve financial peace of mind. They saw a mortgage broker's role as a way to offer clients choices in the property purchasing process, and to ensure their clients could still maintain the lifestyle they wanted.

Living Home Loans aims to cultivate property ownership dreams by securing your key to success.

Unlike many other brokers, Living Home Loans don't stop at obtaining your property loan. They aim to build a long-term relationship with you, ensuring they focus on your best interests. They'll work with your real estate, builder and solicitor to ensure the home finance process runs smoothy. They'll also stay in contact with you, to ensure your loan continues to be the right loan for you and your changing circumstances.

They understand your unique set of circumstances, means you require home finance that suits your current lifestyle and future goals.

Director/Senior Mortgage Broker

Kirsty Best

Kirsty Best was a former Science teacher and an Australian Longboard Surfing Champion. She leverages both her problem-solving skills and drive to excel in her current roles at Living Home Loans. Kirsty believes in the power of being genuine, seeking knowledge and strong relationships with her clients in order to achieve outstanding results. With her industry recognised expertise, Kirsty is highly qualified to handle all the financial requirements, allowing her clients to focus on the excitement of their new property.

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Senior Mortgage Broker

Caleb Bax

Caleb is your dedicated Senior Mortgage Broker, committed to understanding your unique financial needs and finding the best loan solutions for you. With extensive industry knowledge, Caleb excels at navigating the complex mortgage landscape, ensuring you get clear advice and access to a wide range of lending options. He's passionate about empowering you to make informed decisions and achieve your property dreams.

When he's not helping clients, Caleb loves spending time with his partner and new baby, walking his Frenchies, and enjoying some beach driving.

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Senior Mortgage Broker

Emma Klingner

Emma Klingner has over 18 years of experience in finance and lending. With a background in banking and property strategy, she brings both knowledge and real-world experience to every client she works with.

Emma is passionate about helping people make confident property decisions whether it’s buying their first home or building a long-term portfolio. She believes in keeping things simple, being genuine, and building strong relationships to achieve the best outcomes for her clients.

Known for her calm and supportive approach, Emma guides her clients through the process with clarity and care, so they can focus on the excitement of what’s ahead.

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Senior Mortgage Analyst

Kath Sharp

Kath is our Senior Mortgage Analyst, based in our North Brisbane office. She is dedicated to ensuring your home loan journey is as seamless and stress-free as possible. With six years of finance experience, including time in banking, and a Master of Business Administration (MBA), she brings a wealth of knowledge to Living Home Loans. Kath expertly navigates complex financial processes to solve problems and secure the absolute best outcomes for your specific goals.Her true passion lies in delivering an outstanding customer experience through personalised, top-tier service.

When she is not striving for client success and helping businesses grow, Kath loves spending quality time with her family. You will also find her hitting the open road on her motorbike or exploring new culinary delights in the kitchen.

Senior Mortgage Broker

Callum Hegarty

Callum joins us with many years of experience as a Senior Mortgage Broker at one of Australia's largest brokerages. His philosophy is simple: "My job is to cost banks as much money as I can and put it back into my clients' pockets." Callum is deeply passionate about guiding clients through the complexities of home finance and empowering them to make confident decisions.

Callum moved from the UK 10 years ago with his partner and chocolate labrador, Monty, He has personally navigated the Australian property market from scratch. Callum even built a home and then upsized within a year, and now he's keen to help others achieve similar success.

Senior Mortgage Analyst

Sarah Tait

Sarah Tait has been the longest serving staff member of the Living Home Loans team. She is a steady achiever who can be relied upon to deliver excellent client outcomes. Sarah has a creative and kind nature, and she is highly valued for her contributions to building smooth processes for our brokers and our clients. She really enjoys helping out wherever she can and also being a central part of our vibrant team.

Mortgage Analyst

Neka

Neka is a member of the Living Home Loans team with over six years experience as a Mortgage Analyst. Neka’s commitment to working efficiently combined with her strong work ethic, makes her a reliable and valued support within the team. Neka enjoys the challenges of her role and finds great satisfaction in helping clients secure their home loan. Outside of work, Neka loves reading books and exploring new food experiences as a self-proclaimed foodie.

Mortgage Analyst

Mark

Mark is a dedicated Mortgage Analyst specialising in the processing of home loan applications. With a strong eye for detail and a thorough understanding of lending requirements, Mark supports brokers by managing documentation, verifying client information and ensuring each application is accurate, compliant and ready for submission. Mark’s goal is to streamline the loan process, minimise delays and help clients move smoothly from application to settlement with confidence. When he’s not working, Mark enjoys live music; spending time with his young family and also trips to the beach.

Mortgage Analyst

Joanna

Joanna is a dedicated mortgage analyst with Living Home Loans. Based in the Philippines, Joanna work diligently behind the scenes to ensure your loan journey is smooth and all the details are perfectly in place. Joanna really enjoys the precision and structure of preparing loans, and is here to support you and our brokers every step of the way.

When Joanna is not focused on finance, you'll often find her trying new recipes in the kitchen, playing pickleball, or catching some waves!

Ready to chat to one of our team?

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Our Recent Reviews

Emma and the team at living home loans were flawless with their communication and professionalism helping us purchase our investment property , highly recommend

Justyn Wood

We can’t thank Caleb enough for all his help throughout our home loan journey, from the very beginning right through to settlement. His communication was spot on from day one. Caleb was always available to answer our questions, no matter how big or small, and made the whole process feel so much easier and less stressful!! What really stood out to us was how genuine, knowledgeable and patient he was. He always took the time to explain things properly and made sure we felt comfortable and understood what was happening at every stage. Buying a home can be a pretty overwhelming process, but having Caleb there made a massive difference for us. We genuinely couldn’t recommend Caleb highly enough. Thanks again for everything, mate! Much appreciated 🙌🏼🙌🏼

Vinnie Castro

Fantastic experience working with the Living Home Loans team and Emma. Very friendly and helpful and both phone and email communication were handled promptly throughout. Would happily recommend them and would work with them again.

Melissa Richards

As a first-home buyer building a new home, I couldn’t have asked for a better experience with Caleb and the Living Home Loans team. Throughout the entire journey, Caleb was knowledgeable, responsive, and always willing to explain things clearly. From securing finance to navigating the various stages of the build, his guidance made what could have been a stressful process feel much more manageable. I highly recommend Caleb and team to anyone looking for a mortgage broker, especially first-home buyers.

Nirzara Bandekar

Frequently Asked Questions

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Do you charge a fee or are the any hidden costs?

Living Home Loans generally charges no fee. However, there are some more complex situations where a small fee is applicable although this will be discussed in your meeting. There are no hidden costs at all.

What kind of interest rates can you offer?

We look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Who owns Living Home Loans and are you part of a Franchise?

We are a family owned business who is not affiliated with any franchise or outside enterprise. Living Home Loans values this independence, and we work hard to look after our community of valued clients.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Homeowners Grant and the various stamp duty exemptions available.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for your refinance, whether it's a Home Loan or Investment Loan.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Does Living Home Loans help Self Employed borrowers?

It can be as easy for business owners to get finance as anybody else. We bring solutions to Self Employed borrowers, such as using BAS statements as a means of adequately demonstrating your capacity to service a loan.

Are your Mortgage Brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Check out the latest articles from Living Home Loans

25th September 2026

Unlock the secrets to purchasing a house in Kingscliff

A locally-rooted guide to securing the right home loan for your coastal property purchase in one of the Tweed Coast's most liveable communities

24th September 2026

Renting vs Buying: Everything You Need to Know

A practical look at how renting and buying stack up financially in Helensvale, including what each choice means for your long-term stability and flexibility.

22nd September 2026

Why Buy a Home Closer to Work in Deception Bay

How moving closer to work affects your borrowing power, lifestyle balance, and long-term financial position when you're based in Deception Bay

Contact

306/87 Griffith Street, Coolangatta, QLD 4225 (Head Office)

Suite 9/247 Bayview Road, Runaway Bay QLD 4216

5/562 Samford Road, Mitchelton, QLD 4053

0439 110 255

Credit Representative #512666 is authorised under Australian Credit Licence #389087

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.