Meet
Emma Klingner née Hawker
Senior Mortgage Broker - Brisbane North & Surrounds
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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.
OC
Olivia Cosham
A massive thank you to the Savvy Home Loans team for helping us purchase our dream island home! Given our unique situation and ignorance to how things work, we were likely not the easiest clients to deal with, but Emma, Leanne and Jarrad were all incredibly patient with us and held our hands every step of the way. Emma was particularly meticulous in her attention to detail, 100% proving her assurances that she's like "a dog with a bone" and going above and beyond to help get us over the line! Not only does this team demonstrate a high level of professionalism, diligence and conscientiousness, but they are all super friendly, approachable, and dedicated to helping their clients fulfil their dreams. I can't recommend them enough!!!
JA
Jody A
Another seamless transaction. When it comes to my finances the Savvy Team is the only place to go. Quick turn around, transparent and super friendly. Thanks again Leanne, Emma & Jarrad it has been an absolute pleasure as always :)
DS
David Sauer
Our experience with Savvy home loans has been very helpful and wonderful. Over the past few years , Derrick and Leanne has been above and beyond with the service they provide. They are very professional in the work they do and at the same time, they are warm and friendly as if they are family.
We examine an extensive selection of financial products from banks, credit unions, and lending institutions nationwide. This enables us to review thousands of available options and ensure we consistently recommend the most suitable home loans for our clients.
We love working with first-time home buyers! Our team has comprehensive expertise in the entire home buying journey and can guide you toward securing the appropriate home loan. We're also well-versed in the various programs designed to support first-time buyers, including the First Home Owners Grant and different stamp duty exemptions that may be available.
Absolutely! We're confident in our ability to locate the most competitive interest rates for your refinancing needs, whether you're dealing with a residential home loan or an investment property loan.
Every one of our Mortgage Brokers maintains full accreditation and holds membership with the Mortgage and Finance Association of Australia. They demonstrate the highest level of professionalism and deliver outstanding service across various lending solutions.
Our services extend beyond home loans to include investment property loans, construction financing, commercial loans, vehicle loans, personal loans, and numerous other lending products. If you need financing for a purchase, we can likely provide assistance.
Mortgage brokers serve as your advocate in finding the most appropriate loan from major banks, smaller financial institutions, or alternative lending sources. We offer access to a comprehensive range of products that exceeds what any individual lender can provide, allowing us to handle all the research and comparison work to identify the perfect loan solution for your specific needs.
Savvy Home Loans Pty Ltd ABN: 37 128 927 211. Leanne Pon, Derrick Pon and Emma Klingner are authorised credit representatives under Australian Credit Licence #388758..
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.
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