About Emerald Financial
We work for you. The lender just pays the bill.
Emerald Financial is an independent Australian mortgage broking company. We've settled more than $500 million in lending for over 1,200 clients by doing one thing consistently: putting 40+ lenders in competition and letting the best offer win.
4.9 from 380 Google reviews
“The rare kind of business that calls when they said they would, with better news than they promised.”
Why use a broker
The case for never walking into a bank branch again
Brokers write most of Australia's home loans
Roughly seven in ten new Australian home loans are now arranged through brokers - because comparing one bank against the market rarely goes the bank's way.
Best Interests Duty is the law
Since 2021, mortgage brokers are legally required to act in your best interests. Bank staff selling their own products carry no such duty.
Our service is free to you
The lender you settle with pays us a commission, which we disclose in full before you commit. You pay the same rate - often lower - than going direct.
One enquiry, forty-plus answers
We hold accreditations across banks, mutuals and specialist lenders. One conversation with us is one credit file, not ten application scars.
Still weighing it up? Read our take on how the big four's advertised rates really compare - then decide who should be doing the comparing.
$M+
in loans settled
+
happy clients
+
lenders compared
+
years of experience
The team
Brokers you'll actually hear back from
Daniel Reeves
Director & Senior Mortgage Broker
Fifteen years across bank credit and broking. Daniel built Emerald on one rule: recommend the loan you'd give your own family.
Mei Chen
Senior Mortgage Broker
Ex-lender credit assessor who knows exactly how applications are judged - and packages every file so the answer is yes, the first time.
Sofia Marino
Mortgage Broker - First Home Specialist
Guides first home buyers through grants, guarantees and auctions. Warm on the phone, ruthless on your interest rate.
James Whitfield
Mortgage Broker - Investment & Commercial
Structures portfolio and commercial lending for investors and business owners planning three moves ahead.
We compare loans from 40+ lenders including
- CBA
- Westpac
- NAB
- ANZ
- Macquarie
- ING
- Suncorp
- Bankwest
- AMP
- Pepper Money
- Firstmac
- La Trobe
- + 28 more
“Our bank said no. Emerald found us a lender within a week and a rate 0.4% lower than anything we'd been offered. We're in our first home because of them.”
Put us to work on your loan
One free assessment. Forty-plus lenders. A broker legally bound to act in your best interests. The worst case is you learn your current loan is fine.