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Emma Stephens


Average client rating
4.9/5 From 14 Reviews

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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 conversing with us in a way that made sense to both of us, brought us onto the same page and left us feeling more calm and connected to a shared plan. Thank you Emma

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 Brazil and a single mum, my focus was to provide the best I could to my kids and family. This made it hard to get organised and to save enough, so I had never even considered the possibility of getting approved for a mortgage. I was a typical example of someone in the ‘rat race’ and it felt like I had no chance to escape. In a few months Emma not only brought me hope but also changed my views about all this and started giving me tips on things I could do in order to get prepared to buy. Much sooner than I could possibly have imagined I was signing a contract subject to finance.

Emma's help came in a time when the market was going crazy in my area with multiple offers everywhere. There were also complications before settlement related to my personal circumstances. Emma was always there with me, giving me the advice and assurance most needed. She also introduced me to amazing local professionals that I’ll keep for life and proudly recommend to everyone.

I am now a home owner and I live in this beautiful place between the beach, golf clubs and Mount Coolum National Park.

Thank you Emma, not only me but my kids and family will always be grateful to you ????

Anita H.

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  


26 March 2021  


16 March 2021  


03 November 2020  


I would highly recommend Emma from Smartline Mortgage Advisers. She is a true professional with a strong work ethic. She works extremely hard to achieve favourable results for her clients. If you are looking a mortgage broker that will get the job done then don't hesitate to give Emma a call.

14 October 2020  

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