Waves breaking on the rocks at Burleigh Heads, with the Surfers Paradise skyline on the horizon
4.8 out of 5 stars

Google rating from 265 reviews

A white Queenslander-style house with a timber garage door and tropical garden
The ocean at Burleigh Heads framed by pandanus trees
Google rating
4.8 out of 5
Our broker score
9.9 out of 10
Credit licence
386 494
Office
Robina, Gold Coast

emoney Home Loans reviews

Rated 4.8 out of 5 from 265 Google reviews, with 97% at 4 or 5 stars. What clients of this Gold Coast mortgage broker praise, quoted word for word, and the few things they don’t.

The quick verdict

A licensed Gold Coast broker that clients rate 4.8 out of 5. The main drawbacks are weekday-only phone hours and a single office.

Rating
4.8 out of 5 from 265 Google reviews; 97% give 4 or 5 stars
Praised for
Fast, responsive service (86 reviews), help getting a better rate (67) and an easy process (46)
Criticised for
9 reviews (3%) give 1 or 2 stars, the most recent from around 2022: slow discharges, repeated identity checks and rates on older loans
Best for
Borrowers who want fast answers and one named person handling their loan; refinancers who want their rate checked again after settlement
Less suited to
People who want face-to-face meetings at a local branch; people who can only talk on weekends or evenings
Our score
9.9 out of 10 on 17 published criteria

Counts come from reading every written Google review, checked 3 November 2026. How this summary is made.

The record, in figures

  • 5 star 239
  • 4 star 17
  • 3 star 0
  • 2 star 2
  • 1 star 7

Source: emoney Home Loans on Google, checked 3 November 2026.

Google rating out of 5, from 265 reviews
4 .8
Google reviews, checked 3 November 2026
265
Per cent of reviews rated 4 or 5 stars
97
Reviews that thank a staff member by name
186

What reviewers praise most

How many of the 244 positive written reviews mention each theme. A review can mention more than one.

ThemeReviewsIn a reviewer’s words
Fast, responsive servicePrompt replies, quick turnarounds and calls answered by a person.
86 35% of positive reviews

“Samantha made everything easy with clear communication, regular updates on progress, and was prompt at responding to all my questions throughout the whole process.”AnnaW, Google review

Refinancing and better ratesRefinances, rate reviews and lower repayments.
67 27% of positive reviews

“And, of course the new deal and new rates are great too!”Sinead N., Google review

An easy, stress-free processWords like easy, smooth, seamless, simple and hassle-free.
46 19% of positive reviews

“I would highly recommend Tracy if you are wanting a professional and stress free experience”Dean W., Google review

Professional and knowledgeableExperienced staff who know how lenders work.
36 15% of positive reviews

“I would highly recommend Ilone and Emoney to others wanting a hassle free, professional and transparent service.”Louise H., Google review

Clear communicationRegular updates and plain-English explanations.
28 11% of positive reviews

“I was kept fully informed and provided amazing choices with very competitive rates.”Suzanne T., Google review

Proactive rate reviewsClients contacted with a lower rate before they asked.
15 6% of positive reviews

“It is good to see a lending agency proactively helping their clients.”Frank L., Google review

Keyword counts across 4- and 5-star Google reviews with written comments, checked 3 November 2026.
Debbie W. Google review, 2025
5 out of 5 stars

“Madison answered my call within 3 rings … I call that service!”

Real emoney Home Loans reviews

Quoted in full from Google. Nothing is edited apart from removing reaction counts.

5 out of 5 stars

We just finished working with Tracy Knox from emoney with our home loan. Tracey was amazing and went above and beyond what we would normally expect. Even with a few hurdles along the way Tracy made us feel calm and confident through the whole process. I would highly recommend Tracy if you are wanting a professional and stress free experience

Dean W. Google review, 2026 View on Google
5 out of 5 stars

Recently refinanced with emoney and specifically Samantha B who was great to deal with. Samantha made everything easy with clear communication, regular updates on progress, and was prompt at responding to all my questions throughout the whole process. Great customer service, professional and friendly. Would highly recommend.

AnnaW Google review, 2024 View on Google
5 out of 5 stars

We couldn't be happier with the service from Mahala and the team at Emoney. The efficiency of the service and the excellent 'hands-on' communication saw our settlement go through in a very quick turnaround and with such ease. No question was too big and every situation dealt with, without delay or issue. Could not recommend them more. And, of course the new deal and new rates are great too!

Sinead N. Google review, 2022 View on Google

“Answered my call within 3 rings”

86 reviews mention speed or responsiveness.

5 out of 5 stars

Madison answered my call within 3 rings .... was extremely pleasant and bright on the phone and provided me with the information I needed via email within 1 minute of ending my call. I call that service! Thanks Madison

Debbie W. Google review, 2025 View on Google
5 out of 5 stars

Super fast service. My emails are always answered within and hour, often in just minutes.

Tina B. Google review, 2021 View on Google
5 out of 5 stars

Cath was very pleasant and very helpful. I love the fact that you ring a number and you get a person!! .. almost instantly.

Luke H. Google review, 2022 View on Google
5 out of 5 stars

Easy to contact and always fast feedback .Always had the same consultant following up my questions .. Good Job ..

David P. Google review, 2024 View on Google

A process that feels easy

46 reviews describe it as easy, smooth or stress-free.

5 out of 5 stars

Ilone Counsel provided amazing service, she ensured the process of refinancing my loan was easy and done efficiently. Ilone gave simple explanations to complex elements making it easy to make confident decisions throughout ensuring best rates were chosen and the most appropriate package for my needs. I would highly recommend Ilone and Emoney to others wanting a hassle free, professional and transparent service.

Louise H. Google review, 2022 View on Google
5 out of 5 stars

An incredibly efficient company to work with who truly care about making what can be a complicated process, simple. Will definitely use again in the future.

Laetitia W. Google review, 2022 View on Google
5 out of 5 stars

I cannot recommend Emoney Home Loans enough I had an excellent experience from the first interaction to the final stage. I was kept fully informed and provided amazing choices with very competitive rates. The two staff I interacted with were unbelievable to work with. Salara and Ilone both are very accommodating nothing was an inconvenience, extremely professional, and quick to respond to any questions. The whole process was stress free and completed very efficiently and quickly. I would like to express my gratitude to Salara and Ilone for everything. I know others who have interacted with these two ladies will 100% agree with me experience.

Suzanne T. Google review, 2022 View on Google
5 out of 5 stars

An awesome company to deal with. We knew where we stood from the first meeting. Which gave us the freedom to put all our efforts into finding the right home to suite our budget. All the hard work was done for us. Pete and his team were quick to reply whenever we had any questions. A great experience with a company that I can certainly recommend to anyone looking to buy a house.

Andrew C. Google review, 2023 View on Google

Rate reviews nobody had to ask for

15 reviews mention emoney reaching out first with a lower rate.

5 out of 5 stars

A great company who looks after their clients. I've been a loyal customer of Emoney for quite a while now and they contacted me as they noticed my rates were a little higher than comparable loans and offered to assist. The end result was a significant reduction in my rate. A refresingly friendly gesture that rewarded loyalty. Thank you to the team for your efforts here!

Ben O. Google review, 2022 View on Google
5 out of 5 stars

Extremely happy with my loan and assistance given by Jordan Parks - I didn't need to wait on the phone; my query was handled with ease and professionalism. Jordan Parks advised of a rate reduction months before I had requested and advised that this would be an ongoing request, of which I have no doubt, will be handled in a timely manner. Very happy with the loan package and service - again, I would definitely recommend this company.

Robyn M. Google review, 2023 View on Google
5 out of 5 stars

It is good to see a lending agency proactively helping their clients. Your unexpected and unsolictied review and reduction of my loan interest percentage is very much appreciated. Fanatansic customer service.

Frank L. Google review, 2023 View on Google
5 out of 5 stars

I've been with E-money with 3 properties now and they are great! recently I was contact by Menandro Perkins from emoney they worked out an even cheaper interest rate without any prompting, this kind of service you just don't get from any other bank or lender and I've been with many ! I highly recommend you give them a go

Christian M. Google review, 2021 View on Google

Help when the situation is complicated

Refinances, construction, tight deadlines and second chances.

5 out of 5 stars

Highly recommend speaking to Ross Mansfield for all your mortgage needs. Ross is extremely knowledgeable. We were in an impossible situation but he managed to find a lender that suited our needs. It has been life changing. Ross is a magician!! He treated us with compassion and professionalism. Ross and Karen went above and beyond for us.

Shar G. Google review, 2022 View on Google
5 out of 5 stars

We have been dealing with Lynsey McWilliam to obtain constuction finance after losing our house in the bushfires. Lynsey has held our had all the way through the process and has always been friendly, kind & extremely helpful. Our finance settled on the 27th of last month & we are now ready to rebuild our home!! I have no hesitation in recommending Lynsey & the team emoney. Thank You !

Nicole H. Google review, 2021 View on Google
5 out of 5 stars

I contacted eMoney when I wanted to purchase a land for building a home. I had to exchange contracts immediately and I needed a quick evaluation of my financial capacity as well as a pre-approved home loan from a lender for exchanging the land contract. Kellie Gray was assigned to my request and I was delighted to work with Kellie and she exceeded my expectations. In my view, Kellie is a very caring, understanding and supportive person who is very passionate about her clients and, their individual needs. Kellie is very passionate about her job also. Kellie prepared my application and within a few days, she was able to secure a pre-approval for me. I was able to exchange the contract on the property in time because of Kellie’s efforts and responsiveness. I am grateful to Kellie and eMoney for their dedication and effort and I am proud that I entrusted Kellie in my critical times. Thank you Kellie and best wishes for your future.

Raja S. Google review, 2022 View on Google
5 out of 5 stars

We were looking to setup an offset account linking to the existing mortgage account (Emoney). We were told by the service consultant that this option was not available with our existing lender. They mentioned that they could get one of their lending specialists to call us & discuss our options forward. Within couple of days of that call, Keegan Walker contacted us. He suggested that we could look at refinancing our existing mortgage with another Emoney lender to avail the offset account. We agreed to go by his suggestion. He not only got us an offset account but also secured a lower interest rate product. He was clear in understanding our needs and his service is impeccable. We highly recommend “Keegan Walker” if you are in the market for a loan/refinancing your existing loan. Fantastic, thank you so much Keegan!

Mahesh N. Google review, 2021 View on Google

emoney Home Loans pros and cons

What the reviews praise, and the small things clients and the facts suggest you should know before you start.

Pros

  • Fast, responsive service86 reviews mention quick replies or turnarounds.
  • Help getting a better rate67 reviews mention refinancing or a lower rate.
  • Personal, one-to-one support186 reviews thank a staff member by name.
  • An easy process46 reviews call it easy, smooth or stress-free.
  • Rate reviews without asking15 reviews say emoney raised a lower rate first.
  • Long track record30+ years, $10 billion+ settled, 80,000+ clients.

Cons

  • Weekday phone hours onlyMonday to Friday, 8:30am to 5pm. The online quick check is open any time.
  • No branch networkOne office in Robina; most clients deal with emoney by phone and online.

Small gripes from happy clients, in their own words:

  • They may talk you out of what you asked for

    “Recommended that I don't do a rate review but instead look at other options. … So glad we did.”

    Jamal A., 5 out of 5 stars Google review, 2021
  • You might deal with more than one person

    “I did get passed around a bit, however everyone I dealt with was fantastic”

    Henry E., 5 out of 5 stars Google review, 2023
  • The odd admin slip, fixed quickly

    “There had been a processing error (not by him) with my latest request but he was able to rectify it in a timely manner.”

    Siyin W., 5 out of 5 stars Google review, 2023

Also worth knowing: 9 of 265 reviews are rated 1 or 2 stars, all from 2022 or earlier. What the complaints say.

The people clients thank by name

186 positive reviews name the person who helped them. These are named most often.

  • MadisonNamed in 29 reviews
  • IanNamed in 21 reviews
  • RossNamed in 16 reviews
  • TahliaNamed in 15 reviews
  • KeeganNamed in 11 reviews
  • JessicaNamed in 11 reviews

Where emoney works

30+ years, $10 billion+ settled and 80,000+ clients, from one Gold Coast office that works with borrowers Australia-wide.

The Gold Coast skyline seen across the water
emoney works from Robina on the Gold Coast and serves borrowers in every state by phone and online, so you never need to visit an office.
Credit licence
386 494
Settled
$10 billion+
Clients
80,000+
Phone hours
Weekdays

Fast, personal support

Speed is the most common theme in emoney’s reviews. Clients mention calls answered by a person, emails answered within the hour and the same consultant following up.

Decades of lending experience

With 30+ years in home lending, emoney is one of Australia’s longer-established broking businesses. Reviewers describe staff who know how lenders work and find a way when a bank has said no.

Easy to start on your phone

The online quick check takes under a minute and is not a loan application. A broker reviews your basics and explains your options in plain English.

Required to act in your best interests

Australian mortgage brokers must act in your best interests when helping you get a loan. emoney holds Australian Credit Licence 386 494. Read ASIC’s guidance on the duty.

Common questions

About emoney Home Loans, its reviews and how it works.

What do emoney Home Loans reviews say?

emoney Home Loans has a 4.8 out of 5 rating from 265 Google reviews, and 97% of reviewers gave 4 or 5 stars. The most common praise is for fast, responsive service (86 of 244 positive written reviews), help with refinancing and better rates (67), and an easy, stress-free process (46). Many reviewers name the broker or service officer who helped them.

Is emoney Home Loans legit?

Yes. emoney Home Loans is the trading name of emoney Pty Ltd (ACN 079 790 364), which holds Australian Credit Licence 386 494. It is based in Robina on the Gold Coast and has spent 30+ years helping borrowers, with $10 billion+ in loans settled and 80,000+ clients. Licence, track record and complaints, checked.

Is emoney Home Loans a good mortgage broker?

Its clients rate it highly: 4.8/5 across 265 Google reviews, with 256 rated 4 or 5 stars. Reviewers repeatedly describe quick responses, clear explanations and staff who go above and beyond, including on complex refinances and situations other lenders turned down. See what to look for in a mortgage broker and how emoney measures up.

What is emoney Home Loans' Google rating?

4.8 out of 5 from 265 Google reviews, checked on 3 November 2026. The breakdown is 239 five-star, 17 four-star, 0 three-star, 2 two-star and 7 one-star reviews.

How does emoney Home Loans score out of 10?

emoney scores 9.9 out of 10 on this site's published broker scorecard, which rates trust and accountability, client ratings, service quality, and ease and access. See how the score is calculated.

How long has emoney Home Loans been operating?

emoney has been helping Australian borrowers for 30+ years, making it one of the longer-established mortgage broking businesses in the country. Over that time it has settled more than $10 billion in loans for 80,000+ clients.

Does emoney have to act in my best interests?

Yes. Under Australian credit law, every mortgage broker must act in the borrower's best interests when providing credit assistance, and must put the borrower's interests first if there is a conflict. As a licensed mortgage broker, emoney is bound by this duty. ASIC explains it in Regulatory Guide 273.

How do I get started with emoney Home Loans?

Start with emoney's online quick check, which takes under a minute on your phone and is not a loan application. A broker reviews your basics and follows up. You can also call 13 72 83 (13 SAVE), Monday to Friday, 8:30am to 5pm AEST.

What are the downsides of emoney Home Loans?

Phone support runs monday to friday, 8:30am to 5pm only, and there is one office rather than a branch network. A few happy clients mention minor gripes: they may talk you out of what you asked for; you might deal with more than one person; the odd admin slip, fixed quickly. See the pros and cons.

What do emoney's negative reviews say?

9 of 265 Google reviews (3%) give 1 or 2 stars, and the most recent is from around 2022. They mention slow discharges or settlements, repeated identity checks on the phone and rates on older loans. What the complaints say.

Where is emoney Home Loans located?

emoney's office is at Ste 21/238 Robina Town Centre Dr, Robina QLD 4226, on the Gold Coast. It helps borrowers Australia-wide by phone and online, so you do not need to visit in person.

Check it for yourself.

Every rating here is copied from Google, last checked 3 November 2026. Read the reviews where they were posted, or see exactly how our score is worked out.