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 teams), 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 Savvy 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.

Think: Eat, Pray, Love - Savvy style.