Sharon Bae
Founder & Mortgage Broker
Sharon is the founder and heart behind Artemis Finance, a nationally recognised leader known for her warm, human approach to financial guidance. She brings a rare blend of deep expertise, genuine care, and calm clarity to every client she supports. With extensive experience across mortgage broking, business lending, and personal finance, her approach is grounded in empathy and advocacy, translating complex financial concepts into simple, human language that clients can trust. Sharon is especially passionate about guiding women through key life transitions - separation, rebuilding, career changes, and new beginnings. She believes financial clarity is a form of strength, and she is dedicated to helping her clients step into their next chapter with confidence and control. Beyond her client work, Sharon is a community connector, podcast host, and advocate for accessible, values-driven finance. Her leadership is celebrated for its impact, authenticity, and unwavering commitment to empowering others.
Emma Stephens
Mortgage Broker
Emma brings a deeply empowering approach to every client she supports - guiding individuals, families, and business owners toward financial freedom through property, lending, and long-term wealth creation. A proud Noosa local for more than 20 years and former Bank Manager for both Noosa and Tewantin, Emma combines her extensive industry expertise with a genuine passion for helping her community thrive. Today, she works across residential and business lending, offering clear, strategic finance solutions that support her clients’ goals at every stage of life. Emma is especially dedicated to supporting women and families on the Sunshine Coast and beyond. She crafts tailored, confidence-building strategies that help her clients grow wealth, build security, and step into new financial possibilities. As an ambassador for communities such as Ladies Finance Club, she brings like-minded women together through education, connection, and empowering events.
Zara Temple
Client Relations Manager
Zara is the first reassuring voice clients hear and the steady support they rely on throughout their financial journey. She brings warmth, clarity, and genuine care to every interaction, ensuring each client feels understood, valued, and confidently guided from the very beginning. With a natural gift for connection and a calm, grounded presence, Zara creates an experience that reflects the essence of the Artemis brand: human, supportive, and beautifully clear. She ensures clients feel held through every step of the process, translating complex moments into simple, manageable ones and making sure no question ever feels too small. Her dedication helps clients feel safe, supported, and empowered - especially women navigating big life decisions or stepping into new financial chapters.
JulIana Choi
Mortgage Broker
Juliana brings a uniquely personal, client-centred approach to her work at Artemis Finance. Known for her warmth, attention to detail, and genuine care, she creates an experience where clients feel supported, understood, and completely at ease throughout their lending journey. She treats every application as if it were her own - going above and beyond to ensure each step is handled smoothly, thoughtfully, and with absolute clarity. Whether she’s guiding a first-home buyer, supporting a family through refinancing, or helping clients navigate more complex lending scenarios, Juliana brings a calm, steady presence that makes the process feel simple and stress-free. Juliana’s dedication reflects the heart of Artemis: empowering clients with confidence, delivering a premium and supportive experience, and making finance feel accessible, warm, and genuinely personal.
Winnie Lee
Winnie brings clarity, organisation, and genuine care to every client she supports. She navigates the details of securing a loan with precision and calm, ensuring each step feels clear, manageable, and well-guided. More than detail-oriented, Winnie is deeply committed to understanding each client’s unique financial situation. She takes the time to explore their goals, explain their options, and find lending solutions that truly fit. With a strong understanding of financial products and market trends, she approaches challenges with a proactive, solutions-focused mindset. Above all, Winnie builds trust through integrity and clear communication. Her steady, supportive approach helps clients feel confident and cared for throughout the entire mortgage process - from the first conversation to settlement and beyond.
When deciding between using a mortgage broker or going directly with a bank, it’s important to understand that your bank may not inform you about cheaper options from other banks or lenders that better suit your needs. A mortgage broker can offer a comprehensive comparison of available loans. Furthermore customer satisfaction surveys consistently rate mortgage brokers higher than bank managers. We manage the complexities of loan applications and deal with the banks on your behalf.
Our mortgage brokers are highly trained and experienced, specialising in personalised finance solutions. We conduct 6 monthly reviews to ensure your loan remains competitive, as banks can change rates after approval.
Our office is based in Sydney and we take pride in servicing clients across different states of Australia.
Yes, we look after many Australian Expatriate clients (Aussie Expats) residing outside of Australia such as Singapore, Hong Kong, United Kingdom, United States, Canada and Europe.
Generally preapprovals are valid from three to six months. If your preapproval expires before you secure a property, we can help in requesting an extension.
Yes, we have helped many clients access government grants and incentives available for first home buyers, including the First Home Owner Grant (FHOG) which provides financial assistance towards purchasing or building a new home.
The First Home Guarantee, Regional First Home Buyer Guarantee and Family Home Guarantee offer further support with a smaller deposit being required to purchase a home to live in. For property investors, there may be tax benefits and depreciation allowances. At Artemis Finance we can provide detailed information on these programs and how they can benefit you.
To qualify for a First Home Owners Grant or Stamp Duty Concession, each state sets specific requirements. These generally include verifying your citizenship or permanent residency status, ensuring the purchase price meets defined criteria, and confirming it’s your first home purchase.
Yes, certain properties may involve unique challenges when it comes to obtaining a mortgage such as high rise apartments, heritage listed properties or properties on limited or company title. These properties may require additional assessments, approvals or specific loan products. At Artemis Finance, we can help you navigate these complexities and connect you with lenders who specialise in financing these types of properties.
Your settlement costs can be categorised into three main parts: government fees & charges, legal fees & charges, and bank fees & charges. The exact amount will vary based on the purchase price of the property and other relevant factors, depending on the state that you purchase in.Typically we provide an estimate of these costs at preapproval so that you can plan accordingly. Then it will be updated once you find the right property to purchase. Our goal is to ensure you have a thorough understanding of the financial responsibilities associated with your property purchase.
We take pride in our responsiveness and efficiency. When it comes to securing your loan approval, we work at a pace that aligns with your comfort level while ensuring timely delivery. The standard settlement period ranges from four to six weeks. With our extensive experience, we are well versed in the necessary steps and timelines required for a successful outcome. We know exactly what needs to be done and involve the right professionals as required. As a trusted mortgage broker, you can have full confidence in our track record. We have a flawless record of never missing a settlement within our control or losing a deposit. This is what sets us apart.
Yes! Refinancing an existing mortgage can be a strategic financial decision to secure better interest rates, tap into home equity, or adjust loan terms to better suit your needs.As your mortgage broker, we will evaluate your current mortgage and financial situation thoroughly. We will explore the range of options available to you and provide guidance through the refinancing process. This could potentially lead to savings on your monthly payments, reduce the overall interest paid over the loan term, or help you achieve other financial objectives.
