About Luke Ashby — Emerge Finance
ASIC Rep #518290Luke Ashby is the Senior Lending Specialist and Principal Broker at Emerge Finance, operating from Ashgrove in Brisbane QLD and servicing borrowers across Australia. As a Verified BBA Partner, Luke specializes in first home buyer loan structures, residential debt restructuring, competitive interest rate negotiations, and navigating complex self-employed borrowing scenarios.
Enforced under ASIC's Best Interests Duty framework, Luke Ashby — Emerge Finance delivers objective credit guidance free from institutional bias, systematically analyzing lender pricing and features on behalf of the consumer.
Lender Panel Overview
35 Lenders on PanelEmerge Finance originates loans across Australia's major banks, regional lenders, and non-bank funds:
What to Ask Your Broker About Their Lender Panel
- Panel Breadth: How many lenders do you actively write loans with each month?
- Tier-1 vs. Non-Bank: Are you accredited with digital and non-bank lenders that may offer better borrowing capacity or turnaround times?
- BID Comparison: Can you provide a written comparison of at least 3 distinct loan products showing comparison rates and total fee structures?
Verified Lending Case Studies
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Clients or practice representatives can submit verified transaction stories for editorial review.
Scenario: A young couple earning $145,000 combined sought to buy a $680,000 townhouse in Ashgrove but faced a 10% deposit shortfall due to stamp duty and legal costs. Luke Ashby compared 35+ lenders and identified a 95% LVR loan with a 5.74% rate, leveraging the QLD first home buyer transfer duty exemption (full exemption up to $700,000) and a $30,000 First Home Owner Grant for new builds. Settlement proceeded smoothly, with the couple saving over $15,000 in upfront costs.
Scenario: A local investor with a $850,000 Ashgrove property wanted to renovate and consolidate $50,000 in personal debt. Luke Ashby restructured the mortgage to 80% LVR, accessing $180,000 in equity at a competitive 6.24% rate. The new facility included a 100% offset account and a split loan (fixed and variable), reducing monthly repayments by $420 and providing funds for the renovation.
Reviews
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Share your genuine client experience with Luke Ashby & Emerge Finance
"Over the years, Luke Ashby has helped me with several smaller investment loans and has consistently gone above and beyond. His deep knowledge and creative ideas have always helped make things work smoothly. This most recent loan for our forever home was no exception. He took on the mammoth task, navigating months of back-and-forth as we refined our ideas. Throughout the process, Luke maintained a fantastic can-do attitude and delivered an exceptional outcome — all while working from the other side of the country. It’s always a pleasure working with Luke. His prompt, professional approach makes him an outstanding mortgage broker, and I highly recommend him and his team."
"Luke Ashby from Emerge Finance is extremely knowledgeable and a genuine top bloke. I came across his facebook videos that provided practical and useful advice. We were keen to buy again after selling our house but had unique financial circumstances. Luke was understanding and 100% on board with clear advice on what was achievable. Luke & Sib secured the finance on our forever home on the same day they lodged the application. Extremely grateful for Luke and Sib’s guidance and support on our journey. Highly recommend the team."
"My partner and I recently purchased our first property and had an amazing experience working with Roh Knights and the team at Emerge Finance. From the very beginning, Roh was incredibly knowledgeable, responsive and supportive, taking the time to explain every step of the process and answer our many questions. Nothing ever felt like too much trouble, and her communication throughout the process was exceptional. A special thank you also to Sibraan, who was fantastic to work with and helped make the application and approval process seamless. The whole team made what could have been a stressful experience feel smooth and straightforward. Even after settlement, Roh has continued to check in…"