Hi Mum Mum,
I will try to find MATTHEWS/ ROWE/ STOKES in Cowra and surrounds in 1913.
EDIT 1
NSW ER 1913
LACHLAN oops, it was

LYNDHURST polling at Cowra ALL for Stokes
Mary Ann Keswick-street domestic duties,
Agnes Jane F Brisbane-street domestic duties
Stokes Marion Elsie Brisbane-street domestic duties
Mary Helen F Brisbane-street domestic duties
William Ashman, Brisbane-street financial agent
EDIT 2, SAME roll, polling at Morongla Creek
Arthur Stokes, labourer (none surnamed Rowe at this polling place)
Edit 3 This could be Emily's Mum
NSW ER 1913, LYNDHURST, polling at Woodstock.
Annie STOKES, of Woodstock, domestic duties
Daniel STOKES, of Woodstock, railway night officer
Ethel Grose STOKES, of Woodstock, domestic duties.
(none surnamed ROWE, MATTHEWS (or variations)
Cheers, JM