Emma Wallace
About Emma
Mortgage Adviser | FSP No. 500366
Squirrel Mortgages Ltd | FAP Licence No. 136364
Proudly recognised as one of New Zealand’s Top Mortgage Advisers 2025 by NZ Adviser (NZA).
Emma’s favourite things are seeing her clients successfully settling into their homes and supporting her sports-mad sons on the sports field.
Emma has over a decade's worth of lending experience & specialises in helping first home buyers, structuring mortgages to help clients pay off faster, and she knows the North Shore inside out.
"Simply put, we just wouldn't have what we have without Emma. She was our biggest asset throughout the entire process, our biggest cheerleader when we were discouraged and an endless and generous source of crucial information that led to the purchase of our home that somehow ticked every box, and we're so in love with. As nervy first home buyers she made the frightening labyrinth of the Auckland housing market seem palatable for us and answered every single tiny ridiculous question we had - above and beyond doesn't even begin to cover it. I can't stress exactly how instrumental she was to our journey, how much she gave us when we leaned on her and she's hilarious to boot! If you manage to land Emma as an Adviser, count yourself very lucky."
- S. Knox, Auckland.
Qualifications
BCom, NZ Certification in Financial Services.
How Emma is paid
Emma is a salaried adviser and is paid the same no matter which lender you choose, so there's no pressure or bias toward any particular option. At a company level, Squirrel is paid either upfront or through a combination of upfront and trail commissions by its lenders and insurance providers.
In most cases, her services are completely free, however there may be some occasions where she might need to charge a fee. For more information, please head to our mortgage advice disclosure page.
Emma's commitment to you
As a licensed financial adviser, Emma follows the rules set out by the Financial Markets Conduct Act and the Code of Professional Conduct. This means she must put your interests first, act with care, skill and diligence, be competent and ethical and treat you fairly. Emma has no relevant convictions, bankruptcies or disciplinary actions to disclose.
Squirrel Mortgages Limited holds a Financial Advice Provider Licence (FAP136364) issued by the Financial Markets Authority (FMA).
If you’re unhappy with the advice or service you receive and want to make a complaint, you can view our complaints process here.
Emma’s profile was last updated: September 2025
- Call021 416 126
- Emailemma@squirrel.co.nz
Don’t just take our word for it
Henry Siwanzi
New Zealand
Tessa was amazing in guiding us through the process of purchasing our first home. Working with us from over a year before we made the purchase to get our finances in order before helping us make the purchase when we found the right house.
Viliame
New Zealand
As first-home buyers, we truly appreciated Sudam's guidance, patience, and clear communication every step of the way. He made what initially felt like a stressful process much smoother and much easier to understand. We're very grateful for all the effort Sudam put into helping us secure the right loan structure and competitive rates. Reaching this milestone is incredibly exciting for us, and we're glad to have had his support throughout the entire journey. Thank you, Sudam, for helping make our dream of homeownership a reality.
Holly
New Zealand
Really appreciate all the help given. Highly recommend
Jacob K
New Zealand
I recently completed a full refinance, and I had the privilege of working with Ari Bains - Mortgage Adviser Christchurch, throughout the entire process. Ari was exceptional from start to finish. He handled every step with efficiency, clarity, and genuine care, making what could have been a stressful financial transition feel smooth and well‑managed. Ari took the time to understand my situation in detail and provided clear guidance at every stage. His communication was prompt, professional, and reassuring, and he consistently went the extra mile to ensure everything was completed correctly and on time. I felt supported, informed, and confident in every decision because of his expertise. If you are looking for someone who is knowledgeable, reliable, and truly committed to helping you achieve the best financial outcome, I highly recommend Ari Bains. His service has been outstanding, and I am genuinely grateful for his help.