Luke Ashby

Mortgage Broker

Luke Ashby is a mortgage broker who genuinely loves helping people make sense of one of the biggest financial decisions they will ever make.

For Luke, it is not just about getting a loan approved. It is about understanding where someone is now, where they want to get to, and putting together a clear plan to help them move forward with confidence.

Having worked in mortgage broking since 2020, Luke has built a reputation for being down to earth, transparent and easy to deal with. He knows the process can feel overwhelming, especially for first home buyers, young families and people trying to navigate changing lender policies, deposits, grants and repayments. His approach is simple: explain things clearly, give people genuine options and be there throughout the whole process.

Luke holds both a Certificate IV and Diploma in Finance and Mortgage Broking and works with a wide range of clients across Australia. He is particularly passionate about helping clients who may not fit into a simple “one-size-fits-all” lending scenario.

While Luke helps with all types of residential lending, he particularly specialises in:

First home buyers, including government schemes and guarantor strategies

Families looking to upgrade, downsize or make their next move

Rentvestors and first-time investors

Equity releases for renovations, cars, investments or future property plans

Refinances, debt consolidation and reviewing existing loan structures

Construction loans, house and land packages and bridging finance

Luke is proud to be part of Emerge Finance, where he is backed by an experienced team while still being able to give clients the personalised support they deserve.

At the end of the day, Luke wants clients to feel informed, comfortable and genuinely looked after. Whether someone is buying their first home, looking to grow their portfolio or simply wants a second opinion on their current loan, his goal is to make the process clearer, easier and less stressful from start to finish.

Awards and achievements:

Made MPA’s Top 35 Brokers in Australia under 35 list in 2023

Been a Finalist for Connective’s Rising Star Award in 2022

Finalist for Better Business Award’s Wellness Advocate of the Year 2025

Finalist for Connective’s Compliance Hero Award 2024

Part of the Broker Team that won Best Boutique Brokerage in Queensland for 2025 at the Better Business Awards

Finalist for Connective’s Best Brokerage <5 Brokers 2025

What our clients say about working with us

"Can't say enough good things about Luke and the team at Emerge Finance. Excellent communicator, laid out all the options from the different lenders and let us decide what suited our needs the best.

If you want a mortgage broker that is willing to go above and beyond for you, Luke is your guy!"

Caelum
"Made refinancing easy!
Luke made the process of refinancing our mortgage straightforward and stress- free. He helped us reassess our options,
which led to a better deal and real savings. We really appreciated the time he took to explain everything clearly and answer all our questions along the way. Thanks so much, Luke - and thank you to Sarah as well for your help too! Highly recommend."

Briar kirkaldy
"A huge thank you to Luke and the team for being so helpful and supportive throughout the entire process of getting our land and construction loan. The land we were buying took a long time to register, but Luke was there for us every step of the way-always
patient, proactive, and ready to help whenever we had questions or needed advice.
What really stood out was the detailed video he put together for us, clearly explaining all our loan options. It made the decision-making process so much easier and less stressful. His communication, professionalism, and genuine care made a huge difference. We're so grateful to have had him in our corner and would absolutely recommend him to anyone looking for a reliable mortgage broker."

Elyse Mantell
"Luke, Michelle, and the rest of the team at Emerge Finance are great. I've known Luke for some time now and have just had the benefit of using his services.
My partner and I could not recommend him and the team at Emerge highly enough. He was able to explain our options to us in a way that was easily understandable and made the process as simple as can be. We also really appreciated how he kept us informed, every step of the way.
I would definitely recommend reaching out to Luke, whether you just want to see what you could borrow (as we were when we started chatting with him), you're ready to buy, or are considering refinancing to a better rate, you'll be in good hands with him and the team at Emerge."

Eduan jordaan

How we work with you

We work hard to make the home loan process easy for you.

1

Discover

We get to know you, your current situation and your goals for the future.

2

Research

We analyse the thousands of options available to find a solution that fits.

3

Apply

We produce a compelling loan application and liaise with the lender for you.

4

Support

We monitor the market to ensure you've got the right solution for the long-term.

Learn about our services

We help you get to where you're going

Finance is more than money. It's about helping you build wealth so that you can live a life on your terms. It's a journey we're privileged to join you on.

Expert guidance you can rely on, for good

Whether you're investing in your first home or forever home, we'll equip you with the insights you need to make strategic, forward-thinking decisions.

Are you ready to get started?

Expert guidance and impeccable service

If you've got big goals, we've got the expertise to help you make it happen. We'll scour the market for the most competitive products, negotiate with the banks, and make sure the process is seamless.

Phone us

Speak to one of Brisbane's best mortgage brokers