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Emma Stephens

Emma Stephens Mortgage Broker in Noosa Heads, Sunshine Beach, Peregian & Surrounds

Emma Stephens, 20 years Finance Experience provides intelligent, strategic lending advice to help their clients successfully navigate the lending process and achieve their finance goals. As experienced finance professionals, their expertise is underpinned by a caring, friendly approach and dedication to excellent customer service.

Emma and her Customer Service Loan Writer Kristin can assist with home loans, investment home loans, personal loans, asset finance, and can refer business loans and SMSF loans to business banking specialists. They offer a mobile service across the Sunshine Coast region.
  • Call Us Mortgage Choice Noosaville
  • Office - 0400 576 605
  • Open Hours Mortgage Choice Noosaville
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment

3/3 Gibson Rd NOOSAVILLE, QLD 4566
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Start your home loan journey today


Whether you’re borrowing to buy a home, a new car or to start a business, Emma and Kristin can offer clear, insightful lending advice and help you make educated decisions for a strong financial future. 

    • Home loans
    • Investment loans
    • Refinance loans
    • Construction loans
    • Renovation finance
    • Equity release
    • Deposit Bonds
    • Bridging loans
    • Reverse mortgages (Referred to third party)
    • Personal Loans
    • Car and asset finance
    • Business equipment finance
    • Commercial property finance
    • Business loans
    • Insurance (third party referrals)
    • SMSF loans
    • Loan protection insurance
    • Building/construction loans

Other areas we service

Experienced, knowledgeable and caring, Kristin and Emma will act as your advocate with the lenders and want you to feel informed and confident at every stage of your borrowing journey. 

The offer a mobile service across the following areas:

  • Emma travels to Noosa Heads, Peregian and the wider Sunshine Coast areas, North Brisbane or interstate.
  • Kristin primarily services the Sunshine Coast, and can travel as far north as Gympie and south to Brisbane.

Check your borrowing capacity

Are you eager to understand your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing  Noosa Heads, Sunshine Beach, Peregian and surrounds we understand that finding out how much you can borrow for that dream home you’ve always wanted can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here  or get in touch with us to discuss your unique circumstances.

Ready to kickstart your journey to home ownership?

We’ll assist you along the way and do all the legwork for you! Call us today on 0400576605


The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Client reviews

Emma is amazing. She takes the time to understand your goals and situation, and provides amazing support. She makes everything feel easy and kept me up to date with how things progressed. I recommend Emma to all of my friends and family needing lending assistance.

18 January 2024  

Emma Stephens is a rare find. There are many Mortgage Brokers out there, but Emma offers so much extra value to her clients. Her extensive background in the banking industry is enhanced by her holistic understanding of money, relationships and financial health- concepts that she introduced me to as her client. My partner and I speak different money languages and I was impressed with her skill in conv... read more

11 January 2023  

Emma is hard working, experienced and very professional. I have no hesitation in sending any of my clients her way when they need to either review or apply for a home loan. She knows what she is doing

01 September 2022  

Emma and her smartline team were outstanding,she delivered the the right solution for our needs and got the deal over the line in time I can't recommend her and her team enough.well done!!!

02 August 2022  

Emma is extremely passionate about her work. I've had the chance to witness first hand how hard she ‘fights’ for her clients' best interests. She brings a positive impact to people’s life and that’s what drives her; she is particularly interested in helping women on a path to empowerment, success and independence.

I was really blessed to meet Emma. After living in Australia for 12 years as a migrant from Bra... read more

15 October 2021  

Good god, where do i start.
the work Emma did, the info she gave us and the guidance we got from her was amazing.
she could have walked away after spending so many hours, and not getting a result due to how complicated our details were.
She will always be my go to!

14 October 2021  

Our experience with Emma and her team from Smartline was exceptional!
We first thought our dream of buying land in Eumundi was escaping, due to several obstacles (one being the actual approval) however, Emma and her team were quick, understood exactly what we were going through and after a lot of hard work, delivered.
We are very thankful for working with them, will never forget how helpful they were and would highly recommend Emma and Smartline to anyone else looking for a home loan.

19 September 2021  

I found EMMA to be very professional, knowledgeable, efficient, client focused and easy to deal with. I would highly recommend her services.

05 September 2021  

It was so easy to work with Emma from Smartline, Emma went beyond my expectations as I had just separated and was very fragile…. she made my experience with getting a home loan so much smoother….. Thank you Emma and Thank you Smartline.??

29 July 2021  

Emma was knowledgeable and very motivated to help us. Her communication was exemplary. Highly recommended.

25 April 2021  

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Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

Download now


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