Emma Klingner née Hawker

Senior Mortgage Broker

Living Home Loans

5.0 ( 58 Reviews)

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About Emma Klingner née Hawker

Emma Klingner née Hawker is a Senior Mortgage Broker at Living Home Loans based in North Lakes, QLD.

With over 18 years of experience in finance and lending, Emma Klingner brings deep industry knowledge and a genuine passion for helping people achieve their property and financial goals. After building a strong foundation with a major bank, Emma launched into Mortgage Broking in 2016 and has been proudly supporting clients ever since.

Together with her dedicated team, Emma offers expert guidance and personalised lending solutions for:

• First Home Buyers - Buying your first home is a big milestone – and Emma and her team are here to make it exciting, not overwhelming. We help you understand your borrowing power, compare lenders, and access all available government incentives.

• Property Investors - Whether you're buying your first investment property or expanding your portfolio, Emma and her team provide tailored strategies to maximise your returns. We help you structure your loans for tax efficiency, access equity, and choose the right lender for your investment goals.

• Self-Managed Super Fund (SMSF) Lending - Looking to grow your retirement wealth through property? We help you leverage your superannuation to invest in residential or commercial property through your SMSF. With the right structure and lender, SMSF lending can be a powerful way to build a strong portfolio and enhance your retirement lifestyle.

• Refinancing & Debt Consolidation - Want to reduce your repayments, access equity, or simplify your finances? We compare hundreds of loan products to find you a better deal – whether you're refinancing your home loan or consolidating multiple debts into one manageable repayment.

• Construction & Renovation Loans - Building your dream home or renovating an existing one? We guide you through the unique stages of construction finance, from land purchase to progress payments, ensuring your loan is structured to suit your build timeline and budget.

Emma is a proud wife and mum of three, and she’s passionate about helping families create financial freedom. She believes that the right financial advice can change lives – and she’s here to make that journey as empowering and seamless as possible.

Check your Borrowing Capacity with Emma Klingner née Hawker

Check Borrowing Capacity

Find out how much you may be able to borrow in less than 60 seconds.

Loan Health Check

Find out how much you may be able to save by refinancing to a better loan.

Book Appointment

Book an Appointment with Emma Klingner née Hawker to see how they can help.

Reviews for Emma Klingner née Hawker

5.0

58 Reviews

Michael & Wendy Corbett

Emma was absolutely amazing. Our application had many hurdles and was certainly not an easy one for the team at living home loans but they never gave up. Thank you Emma and the team at Living Home Loans

Melissa Richards

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.

Justyn Wood

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

Shikirah McGill

Emma and Neka were fantastic. My partner and I had a really positive experience with Living Home Loans. The team was friendly, professional and genuinely helpful throughout the whole process. They made what can be a stressful experience much easier and explained everything clearly along the way. I’d happily recommend Living Home Loans to anyone looking for a knowledgeable and supportive home loan team.

Mary R

Fantastic service from start to finish. I couldn't be happier with the service I received. Emma of Living Home Loans was so professional, knowledgeable, and guided me through every step of the process. They made everything easy for me to understand, kept me informed, and worked hard to find the best lender for my needs. I highly recommend their services. Thank you for all your help!!! You made what could've been a stressful process feel smooth and straightforward....

Bec Wade

We found Emma at Living Home Loans through recommendations in a local Facebook group after deciding we needed some guidance with refinancing. We'd always dealt directly with the bank, but felt there had to be better options out there. From start to finish, Emma made the process simple and stress-free. Communication was always prompt, and she happily accommodated evening appointments so we could chat once the kids were settled. A huge thank you to Emma, Neka and the entire team for making what we expected to be a daunting process so easy. We wouldn't hesitate to recommend Living Home Loans to anyone looking for a knowledgeable and supportive mortgage broker.

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