Why use a broker?

Between January and March 2023, mortgage brokers wrote 69.6% of all new residential home loans. Here are the core reasons why almost 7 out of 10 borrowers are choosing to use a broker to help them navigate their finance options. ¹

Mortgage Brokers Improve Financial Literacy

We help you make sense of a vast amount of mortgage-related information, enabling you to develop a deeper understanding of your options for a more informed decision-making process. Our expertise in financial literacy guides you through the intricacies of mortgages, ensuring you choose the most suitable options based on your unique financial situation and long-term goals.

Diversity of Choice

With our extensive panel of lenders, you have a wide array of choices for selecting the most suitable lender and finance product for your specific needs. We pride ourselves on offering a diverse range of options, catering to different financial situations and preferences, thus ensuring that every client finds a loan that aligns perfectly with their financial objectives and circumstances.

Access to Expertise & Insight Lending Knowledge

Our experience and knowledge, gained from daily interactions with banks and home buyers, provide you with a significant advantage in planning your finances and mortgage. This continuous exposure to the industry equips us with valuable insights, allowing us to offer you strategic advice and effective solutions tailored to your financial needs and home-buying aspirations.

Confidence & Peace of Mind

Buying a home can be a stressful process. Having a trusted advisor that you can rely on can help you feel more at ease and reassured. Legally, all mortgage brokers are accredited by regulatory bodies and have to act for clients best interest under the National Consumer Credit Code (NCCP) & Best Interest Duties (BID).

How do we stand apart?

Our team at EME have years of experience in the industry. We genuinely care about all our clients’ financial wellbeing and are passionate about helping our clients achieve their financial goals. We’ll break down complex lending jargons into simple layman terms for you and ensure that you have a good understanding of your finances and financial decisions.

Finance application process can sometimes be stressful and tedious. We are here to help guide you throughout the process step by step, and hopefully make the process as easy and seamless for you.

Our Clientele & Skills

First Home Buyers

The director being a millennial herself, most of EME’s clientele and connections are at the life stage of purchasing their first home. How exciting! Having experienced purchasing our own first homes, we have first hand experience of the emotions when it comes to being at the other side of the transaction! Stress not! Whether you are purchasing or building your first home, our team is here to hold your hands step by step!

Self-Employed Applicants &
Business Owners

Our team is highly skilled when it comes to understanding business financials, including complex trading structure (ie. multiple corporates and trust units), which is a rare and valuable skill in the industry. We have assisted businesses with millions in turnover. Leveraging our relationships with accountants, financial advisors, home and commercial lenders, we are here to ensure that all your personal and business lending needs are taken care of.

Everyday Australians

Over the years we have met people from all walks of life. Our clients are dad and moms looking for their second property, young professionals purchasing their first home, pensioners refinancing their home loan, tradies planning to buy an investment property, business owners seeking finance for commercial properties, and the list goes on. Most of the time, we are there in our clients’ lives when they make a big decision (if not the biggest), and we are so grateful to do what we do and being able to be a part of that.

Meet our team

Whether it’s virtual or in person meeting, we can cater to your personal needs.
For our team’s safety reason, we don’t offer home visits.

Our meeting availability is Monday to Friday 8am-7pm (meeting on Saturday is available for urgent inquiries). Sunday is for our families!


EME Finance
Based on 48 reviews
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Julia KuanJulia Kuan
09:08 16 Jul 24
Erica assisted me with the purchase of my very first home back in 2022. She was very thorough with her explanations and provided me with the best options that suited my circumstances at the time. Working with her has made thefinance experience stress-free and has put my mind at ease as I knew she would get the job done. I have since been recommending her to friends and family that are in need of a broker.
Fay YangFay Yang
02:55 09 Jul 24
My husband and I have been on a challenging journey of trying to figure out the housing options for us. Throughout our entire 2-3 years, EME has been the best backbone in terms of helping us finance and figure out the best options for us. They have been a steady support during these ever changing times. We finally settled and got our first property and without their prompt, professional and friendly services, we really wouldn't be able to get to this stage now!So we highly recommend their services to anyone trying to find the best financial advices!Thank you so so much EME for everything you have done for us. We will be back!
Patrick YuPatrick Yu
01:40 09 Jul 24
Highly recommended Erica! Friendly, professional, and swift to take actions. She perceives my needs quickly and suggested different solutions immediately after analysing my conditions. I go to her to get my mortgage advices now. 6 star experience all the way ⭐️⭐️⭐️⭐️⭐️⭐️👍
Hilda LohHilda Loh
15:39 28 Jun 24
We were recommended to EME Finance. EME Finance have offered to us a great range of loan package options. Happy to recommend them to others for their attentive and great services.
Anita Abu BakarAnita Abu Bakar
06:39 27 Jun 24
Erica is a fantastic mortgage broker who assisted us with getting our home loan from beginning to end. She has always been more than helpful with our queries and provided guidance with all steps with her timely communications.We would highly recommend her for mortgage brokering services.Thank you so much Erica for the outstanding service.Salleh & Anita
Cristhian HernandezCristhian Hernandez
03:51 27 Jun 24
Erica was very helpful with all the information for our first property. She explained with so much details numbers, documentation and procedures .Everything went smooth when we lunched our home loan and in less than two weeks we got approved our loan .Highly recommend her as a broker and Axel as a settlement agent.
a chia chi
10:11 24 Jun 24
Erica was always willing to go the extra mile and be patient with my questions as a newbie owner. Thanks to Erica and her team, it couldn't have been easier to go through the process of getting a loan for my first house. Unless you're not looking for brilliant service, excellent communication and feeling like you're well taken care of, EME Finance's the way to go!
Umi JoshiUmi Joshi
02:52 22 Jun 24
We have had the absolute pleasure of working with EME Finance for the past four years, and we can't thank them enough for their outstanding service throughout our home loan and refinancing journey.Erica has been incredibly personable and approachable. She took the time to understand our unique needs and financial situation, making us feel comfortable and confident in every decision we made. Her patience is unmatched; no question was ever too small, and she always made sure we fully understood each step of the process.She consistently kept us updated on the progress of our applications, promptly addressing any concerns or issues that arose.If you are looking for a mortgage broker who is knowledgeable, patient, and truly cares about their clients, look no further than Erica from EME Finance! We look forward to working with her future years to come.
Celeste ChongCeleste Chong
00:41 23 Mar 24
Wanted to give a full star review to Erica and her team for assisting us with our loan application! Really wanted to highlight her efficiency and knowledge for being able to quickly understand the client’s needs and advice accordingly. It’s so rare to find someone who’s so passionate with what they do and offers genuine services. She’s responsive and takes accountability on her work without delay.I’ve had chats with other brokers prior to meeting her but she’s definitely the one 🔥 I highly recommend Erica as your mortgage broker & advisor 10/10 💯
Jada NgJada Ng
13:07 20 Dec 23
If you are looking for a mortgage broker, Erica is the one you want! She is knowledgable, super responsive and always followed up on any issues promptly. She made our process of obtaining a mortgage super easy and stress free. I would highly recommend her!
Elysha LimElysha Lim
23:56 13 Dec 23
Have been with Erica from the very beginning and I’m so glad to have her as a broker! She helped me with my first home purchase and also refinance, took away all the stress and hassle for me, made the process so simple and straightforward! Erica you are the best 🤩
Htet Myint AungHtet Myint Aung
06:46 06 Dec 23
I want to express my gratitude to Erica for her assistance in finding the optimal home mortgage option for me. As a first-time home buyer, navigating through the process can be overwhelming, but Erica made it exceptionally smooth and easy for me. Thanks once again!
Agan BalangalibunAgan Balangalibun
23:03 05 Dec 23
Erica and team were a delight to work with.Navigating mortagages can be intimidating, especially when you aren't the most financially literate person, and so we really appreciated the way Erica helped us understand our position and options in a kind, considerate and encouraging manner. It gave us the confidence to push ahead.I appreciate the clarity with which Erica presented us our options, it made decision making a simple matter for us.The cherry on top of the service is that Erica is fast and responsive. I was often surprised when we would get confirmation that certain steps were completed so soon. What a dream it would be if the entire corporate world functioned in such a fashion.Long story short, Erica and team ticked all the boxes for us: kind, clear, responsive and fast. I can see why our friends recommended her to us and I am looking forward to engaging EME Finance for any future loans we might seek.
Tahnee CassimTahnee Cassim
09:04 29 Nov 23
Erica has assisted me with my mortgage from the start when I purchased my home to refinancing. EME have made the process easy and have provided me with the information necessary to make the best possible decisions. The customer service and professionalism has been amazing!!
maggie shimaggie shi
09:17 25 Nov 23
Erica helped me with my home loan, and I must say her service was exceptional. She is highly efficient and friendly. Erica consistently responded in a timely manner, addressing all my concerns with professionalism and expertise. This has made the entire process a breeze. I highly recommend Erica for anyone seeking a reliable and friendly broker. Thank you for making my home loan experience so smooth!
Amy LiuAmy Liu
05:48 21 Nov 23
Erica has helped me done 2 home loans over the past 3 years. Very professional, efficient and friendly. Would love to work with her next time. Highly recommended.
Abigail BandiAbigail Bandi
05:08 15 Nov 23
Erica is knowledgeable and caring. Her work is very reliable and efficient. It was our first time buying a house and she made us feel very at ease. The whole experience was pleasant because of her help. Thank you Erica and team! Recommend anyone that is looking to buy a property or refinancing to go with Erica!