Elmaloglou was born at the Royal Women's Hospital, Paddington, New South Wales, to a Greek father, Gregory, who was principal cello in the Sydney Symphony Orchestra, and an English mother, Theresa, who was a kindergarten teacher.

[1] Elmaloglou left school at the age of 15 and trained at the Keane Kids studios in Sydney,[2] where she studied acting, singing and dancing.

In 1989, she had a 2-week guest stint as asthmatic street-kid Simone in E Street and immediately followed this with a regular role in Home and Away as Sophie Simpson (1990–1993).

Following Home and Away, Elmaloglou appeared alongside Russell Crowe in the Australian film The Sum of Us (1994), and guest starred in A Country Practice as Christine Agapitos.

On 7 February 2013, it was announced that Elmaloglou had joined the cast of Neighbours as Terese Willis, a role she remained in until the show's final episode on 28 July 2022.