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
Madhu P
New Zealand
We've worked with Ange and the team at Squirrel more than once now, and every time they've been absolutely fantastic. This time was no different, they looked after us from start to finish with the same professionalism, attention to detail, and just the right amount of hustle behind the scenes to make everything run smoothly. What I appreciate most is how they take the stress out of the process. I just tell them what we're trying to do, and they take care of the rest: crunching the numbers, dealing with the bank, and coming back with a clear plan. It means we can focus on the bigger picture without getting bogged down in the details. Even with a few curveballs from the bank this time, Ange and her team kept everything on track and moving forward. We managed to get both the sale and the purchase done without any delays or issues, which is exactly what you want in these situations. When we think about getting a loan, we think about Ange and the team, and no one else. I genuinely don't want to deal with any other company. They've earned that level of trust.
Suzanne
New Zealand
Sudam was great to deal with. I had already met with another broker and hadn't been happy with the interaction. Sudam's approach was completely different - he was really nice to talk to, very clear about the options and process, and made the whole thing easy for us. Sudam communicated well throughout and we're very happy with the outcome of switching our mortgage.
Guy
New Zealand
Very easy to deal with.
James
New Zealand
Fantastic to deal with, makes everything very effortless and provides great advice