Emma Klingner - Living Home Loans

Emma Klingner

Senior Mortgage Broker

About Emma Klingner née Hawker

With more than 18 years of experience across finance and lending, Emma Klingner brings deep industry expertise and a genuine commitment to helping clients make confident property decisions. Based in North Lakes, Emma supports clients across Brisbane, interstate and internationally (via Google meet), specialising in:

First home buyers
Property Investors
Self-employed borrowers
SMSF lending

After establishing a strong foundation with a major bank, Emma moved into Mortgage Broking in 2016 and has been proudly supporting clients ever since. Today, as a Senior Mortgage Broker at Living Home Loans, she works alongside her dedicated team to deliver tailored lending solutions for clients at every stage, from First-time buyers to experienced investors.

Emma has extensive experience assisting self‑employed borrowers, navigating complex lending scenarios, and helping clients build long‑term wealth through property, including SMSF lending. Her approach goes beyond arranging finance; she focuses on understanding each client’s broader goals and structuring lending in a way that supports their future plans.

Emma regularly helps clients:
✔ Structure lending for property portfolio growth ✔ Use equity from existing properties

✔ Navigate complex investor lending policies

✔ Plan finance strategies for future purchases

Many of Emma’s clients begin with a single property and go on to build multi‑property portfolios with the right structure in place from the start.

Known for her calm guidance and clear communication, Emma builds long‑term relationships with her clients, supporting them through every stage of their property journey with clarity, confidence, and care.

Emma is also a proud wife and mum of three, passionate about helping families create financial security and long‑term freedom. She believes the right lending strategy can open doors to opportunity, and she is dedicated to making the finance process empowering, transparent, and seamless for every client she works with.

Outside of work, Emma lights up in the kitchen or when entertaining bringing people together with great food, laughter, and warm hospitality.

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Our Recent Reviews

Kirsty and The Living Home Loan Team were amazing. I work away with limited reception but the team especially Kirsty made it so easy. I highly recommend!!! Thanks for making my dream a reality 😊 ...

Ben Wyatt

Thank you Kirsty and her team for such a smooth experience for our first home loan. Kirsty was so knowledgeable and has a beautiful, calming nature which was appreciated in such a high stress deadline.

Morgan Sparkes

Kirsty assisted us in securing our forever home. She is incredibly easy to work with and achieved results we were not expecting (in a good way) I honestly don’t know what would have happened if i hadn’t called up that one morning (over christmas mind you!) We will be forever grateful and already recommend her to anyone who will listen!

Sylva Locke

From our initial meeting with Kirsty, to the final “Congratulations, your finance has been approved”, the entire team at Living Home Loans ensured we were guided throughout with clear, consistent, and timely communication. We would both highly recommend entrusting this milestone experience with Kirsty and her Team. Thank you all.

Nat L

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.