About Emma Hartley
Emma Hartley is a Certified Financial Planner (CFP, FPA member) with over 9 years of experience helping Australian households make informed decisions about home ownership, mortgage structuring, and retirement planning. Based in Brisbane, she has advised hundreds of first home buyers on stamp duty exemptions, FHOG grants, and LMI thresholds across different states. Her retirement planning practice covers account-based pensions, age pension eligibility, and transition-to-retirement strategies. At CalcPhi, Emma verifies all home loan and retirement-related calculator content, including mortgage repayment logic, LMI estimates, stamp duty schedules by state, and Centrelink age pension means-testing rules. All content reflects current rates as published by Services Australia and state revenue offices.
Articles by Emma Hartley
Editorial Independence
All content produced by Emma Hartley for CalcPhi is editorially independent. Calculator results and written content are never influenced by advertising relationships or affiliate commissions. All rates and regulatory figures are sourced directly from ATO, APRA, ASIC, RBA, or Services Australia publications. See our editorial standards for full details.