Kath Hack - My Mortgage Hacks

Kath Hack - My Mortgage Hacks Making home loans easier to understand—and easier to get. Let’s find the right fit for you.
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One thing I hear a lot?“We have to wait until I’m back at work full time.”Sometimes yes.But not always.Depending on the ...
03/06/2026

One thing I hear a lot?
“We have to wait until I’m back at work full time.”
Sometimes yes.
But not always.
Depending on the lender, some clients may be able to buy or refinance sooner than they expect after maternity leave.
Things that may matter include:
✔️ Return to work date
✔️ Employment history
✔️ Whether income has resumed
✔️ Childcare expenses
✔️ Lender policy
Not every lender assesses maternity leave income the same way.
The biggest mistake I see?
Families putting plans on hold before understanding what may actually be possible.
If you're returning to work and wondering what your options may look like, message me.

One of the biggest misconceptions I hear?“There’s no point even trying. I’m only on one income.”And while borrowing on a...
27/05/2026

One of the biggest misconceptions I hear?
“There’s no point even trying. I’m only on one income.”
And while borrowing on a single income can absolutely be harder...
You may still have more options than you think.
I’ve recently helped clients buy with:
✔️ One income
✔️ Children/dependants
✔️ After separation
✔️ Returning to work after maternity leave
Every situation is different.
Borrowing capacity, deposit position, expenses and lender policy all matter. Not every lender assesses things the same way.
The biggest mistake I see?
People ruling themselves out before understanding what may actually be possible.
If buying on one income has been on your mind, message me to talk through your options.

After last week’s Budget, I’ve noticed there seems to be some confusion around negative gearing.One misconception I’m he...
20/05/2026

After last week’s Budget, I’ve noticed there seems to be some confusion around negative gearing.
One misconception I’m hearing?
That homeowners may no longer be able to keep their current property as an investment when upgrading.
For some people, that may still be an option.
Depending on your financial position, some homeowners may be able to:
✔️ Keep their existing property as an investment
✔️ Potentially access equity to help with the next purchase
✔️ Upgrade to a new owner-occupied home without necessarily selling first
In some cases, existing investment strategies may still continue — but this is where good planning matters.
Of course, lending structure, cash flow and tax considerations are important, and independent financial/accounting advice should always be sought before making decisions.
The biggest takeaway?
If you’ve been thinking about upgrading homes, it may be worth understanding your options before assuming you need to sell.
Sometimes people have more flexibility than they realise.
Message me if you’d like to talk through what may be possible.

Most people assume getting a better rate means refinancing.Not always.In this case, as part of our 6-month loan review p...
13/05/2026

Most people assume getting a better rate means refinancing.
Not always.
In this case, as part of our 6-month loan review process, we reviewed the client’s lending and negotiated a lower interest rate with their existing lender. No refinance required.
This isn’t something banks automatically do for everyone.
That’s why proactive loan reviews matter.
If it’s been a while since your mortgage was reviewed, it may be worth checking whether your rate is still competitive.
Could your lender do better? Message me.

The RBA has increased the cash rate today. This is the third rise in a row this year.It is not the news anyone wanted to...
05/05/2026

The RBA has increased the cash rate today. This is the third rise in a row this year.

It is not the news anyone wanted to hear, but it is the reality of the market following today's announcement. For many families, this effectively unwinds the relief we saw last year.

My professional advice is to be proactive. Do not wait for your bank to send you an email: take action now.

Your 3-Step Plan:

1. Call your lender today. Find out exactly what your new interest rate will be.

2. Ask for a review. Mention the market and see if they can offer a better deal to keep your business.

3.If they say no, call me.

Loyalty rarely pays in banking, but a professional review often does. I specialise in comparing the market to ensure your loan structure actually fits your goals.

Book a strategy session using the link below or send me a message to get started.
mymortgagehacks.com.au/contact

The "After Settlement" Reality Check.When was the last time you heard from your broker?This is the level of service ever...
29/04/2026

The "After Settlement" Reality Check.

When was the last time you heard from your broker?

This is the level of service every homeowner deserves. We just received this note from our client, Ami-lea, after conducting her 6-month loan health check.

Many people think a broker's job ends at settlement. For us, that is just where the ongoing service begins. A professional mortgage is not a "set and forget" product: it requires active management to ensure it is always optimised for your current situation.

Here is why a regular health check is a professional necessity:
• Rate Benchmarking: The mortgage market is incredibly dynamic. What was a sharp rate 12 months ago is often uncompetitive today. We specialise in benchmarking your rate against the best available offers to ensure you are never overpaying.
• Equity and LVR: If your property value has increased, your Loan-to-Value Ratio (LVR) might have improved. This can unlock much lower "rate tiers" that you are entitled to but won't get unless your broker proactively negotiates for them.
• Goal Alignment: Life changes. If you are now planning to save for a major renovation, start a business, or pay off your loan even faster, your existing loan structure must be reviewed to ensure it still serves your new objectives.

Our service is designed for the long haul. We don't just find you a loan: we manage your structure and your rate to provide ongoing financial security.

If you haven't had a professional review of your loan in the last six months, you are likely missing out on simple, strategic savings.

Book your 6-month health check here: https://www.mymortgagehacks.com.au/contact

In the current market, experience is not just a bonus: it is a necessity.I am Kath, and I provide a professional, straig...
22/04/2026

In the current market, experience is not just a bonus: it is a necessity.
I am Kath, and I provide a professional, straightforward approach to mortgage broking for clients right across Australia. My background gives my clients a distinct advantage that you will not find everywhere else.
Before becoming a broker, I spent over 25 years in senior management roles within the finance and credit sectors. I have managed national portfolios for three of the four major banks, which means I understand the internal logic lenders use to assess and approve loans.
What I bring to your table:
• 28 Years of Industry Seniority: A career built on results, starting back in 1997.
• Major Bank Expertise: Deep knowledge of bank policy and credit strategy.
• Professional Qualifications: Backed by a Diploma of Finance and Mortgage Broking Management.
• National Service: Helping clients from regional Queensland to the major cities secure their financial future.
Whether you are purchasing your first home, looking to refinance, or expanding an investment portfolio, put nearly three decades of seniority in your corner.
Message me for a confidential chat.

Community is at the heart of what I do.I spent a fantastic morning at Whisk & Grind this week catching up with Chelsea ...
15/04/2026

Community is at the heart of what I do.
I spent a fantastic morning at Whisk & Grind this week catching up with Chelsea and so many familiar faces. As a way of saying thank you for the incredible support the community shows my business, we put a tab behind the counter and shouted the coffee for the morning.
While the caffeine was flowing, it was great to have some informal chats about the current market and how everyone is feeling after the recent interest rate movements.
Even if we aren't at the same café today, my door is always open for a virtual coffee and a chat about your strategy. I am a firm believer that being a broker is about being a person first, and my goal is to be an accessible, professional resource whenever you need a clear perspective on your home loan.
Huge thanks to the team for having us!

Whether you’re just around the corner or 10 hours away, my goal is always the same: to make the home-buying process clea...
08/04/2026

Whether you’re just around the corner or 10 hours away, my goal is always the same: to make the home-buying process clear, calm, and completely stress-free.
I recently helped this couple secure their first home from across the state. Despite the distance, we kept the communication consistent and the strategy simple so they could move forward with total confidence.
If you are looking for a broker who is available, responsive, and prioritises your outcome, no matter where you are located, I would love to help.
Message me to start your roadmap!

Thinking about buying, but not sure what you can afford?You’re not alone.Most of the time, it just comes down to having ...
01/04/2026

Thinking about buying, but not sure what you can afford?
You’re not alone.
Most of the time, it just comes down to having the right information.
I help people understand what they can buy before they make a move.
If you’ve been wondering where you stand, this is what I do every day.
Follow along for clarity around what you can buy.

Address

Brisbane, QLD

Telephone

+61417601803

Website

https://calendly.com/mymortgagehacks

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