Inovayt Mortgage Broker-Kathy Stammers

Inovayt Mortgage Broker-Kathy Stammers Mortgage Broker

02/04/2026

📉🤷‍♀️ Interest rates right now be like… “up… down… maybe sideways?”

If you’re feeling a little *what on earth is going on* — you’re not alone.

The reality is, no one has a crystal ball 🔮 (if you find one, let me know), but there **are** some pretty solid fixed rate options around at the moment if you’re craving a bit of certainty.

Think of it like:
👉 Variable = riding the rollercoaster 🎢
👉 Fixed = locking in your seatbelt and knowing the ride ahead

Right now, there are still some fixed rates sitting around the mid–high 5% range depending on the term — which could be worth a look if you’d prefer stable repayments over surprises. Although a lot already have a 6 in front!

Not sure what’s best for you? That’s where I come in 🙋‍♀️
Happy to run the numbers and talk through your options (no jargon, I promise).

📩 Shoot me a message anytime

Happy Easter 🐰🐰

02/02/2026

📢 Interest rate rise expected tomorrow
…and the media is flagging there could be more to come.

If rate rises are keeping you up at night, now may be the time to lock something in 🔒

👉 There’s still a lender offering 4.99% fixed for 2 years
✔️ Full offset account
✔️ Redraw available
✔️ Fixed rate certainty with variable-loan style flexibility

Best of both worlds 🙌

Of course, conditions apply, but if you’re wondering whether fixing part (or all) of your loan makes sense, reach out and let’s talk it through 💬

08/01/2026

Limited-time opportunity as interest rates rise

With further interest rate increases expected, there is currently one lender offering a 2-year fixed rate at 4.95% — with an offset account, which is not commonly available on fixed loans.

💰 What does that mean for your monthly repayments?
On a $500,000 loan (P&I over 30 years):

• 5.30% → approx. $2,770 per month
• 4.95% → approx. $2,660 per month

👉 That’s a saving of around $110 per month, or over $2,600 over the 2-year fixed period — before factoring in any offset savings and future rate increases.

⚠️ This rate is subject to change and may be withdrawn at any time.
If you’re thinking about fixing, now may be the window to review your options.

📩 Message me today to see if you’re eligible.

Conditions apply. Lending criteria, fees and eligibility requirements apply. Rates subject to change.

22/09/2025

🎉 BIG NEWS for First Home Buyers 🎉

From 1 October 2025, the Home Guarantee Scheme is opening doors wider than ever 🏡✨

✅ Unlimited places – no more waiting lists!
✅ No income caps – higher earners welcome.
✅ Deposit from just 5% – and skip Lenders Mortgage Insurance.
✅ Higher property price caps – so you can buy where you want!

💰 Here’s what’s changing:
📍 NSW: Up to $1.5M (was $900K) in Sydney & regional centres
📍 VIC: Up to $950K (was $800K) in Melbourne & Geelong
📍 QLD: Up to $1M (was $700K) in Brisbane, Gold Coast & Sunshine Coast

With over 30 participating lenders across Australia, it’s never been easier to get into your first home.

👉 The changes kick in from 1 October 2025 – check the new price caps for your area and start planning now!

💬 Chat to me now and make your dream home a reality.

15/09/2025

Finance Win of the Week – LMI Waiver for a midwife saving thousands in Mortgage Insurance

Scenario🏦

- Client came to me having already received finance approval elsewhere. (referred from a fab friend) ☺
- She was told she wasn’t eligible for an LMI waiver because she’s not currently practicing as a midwife, despite still holding all her qualifications but actually still working in the sector.

Solution 🎯

- I took a fresh look at her file and identified that she did, in fact, meet the criteria for an LMI waiver. Made a fe phone calls.
- I fast-tracked the application to make sure everything was ready ahead of her late-September settlement date.

Result ✔️

- I secured the LMI waiver and saved them $20,000.
- They were overjoyed, not only because their settlement is on track for the end of the month, but also because of the huge savings they never expected.

As always, if you have spoken with anyone who needs financial assistance or a 2nd opinion about their current position, please reach out. ☺

Happy Spring 🥰🌼🌷🌞

When your clients know you have a sweet tooth . ❤️❤️❤️
22/08/2025

When your clients know you have a sweet tooth . ❤️❤️❤️

16/07/2025

💰 Just saved my client $5,935.16 per year – with one phone call! 😲👏

If you haven’t reviewed your home loan in a while, now is the time. With rates changing constantly, if you’re not under 6%, it’s definitely worth a look.

As part of my service, I don’t just help you get the loan — I stick with you. Regular reviews and ongoing maintenance are part of what I do to make sure your loan keeps working for you, not against you.

📩 Message me if you’d like a quick health check on your loan — you could be saving thousands too!

Massive shoutout to my superstar CSM Nicole who helped settle one of the toughest refinances we’ve ever dealt with – th...
06/06/2025

Massive shoutout to my superstar CSM Nicole who helped settle one of the toughest refinances we’ve ever dealt with – think red tape, roadblocks, and more plot twists than a reality TV finale. 😅

Through it all, she stayed calm, determined, and absolutely on it. Couldn’t have done it without your hard work and persistence – honestly, you're a machine!

So naturally… we’re out having dinner and a well-deserved drink to celebrate this hard-fought win. 🍝🍷 Cheers to smashing challenges and kicking refinance goals! 🙌

In case you didn't hear the breaking news☺ One tip, if you can afford to keep your repayments the same as the higher rat...
20/05/2025

In case you didn't hear the breaking news☺ One tip, if you can afford to keep your repayments the same as the higher rate, this way you will pay off your home loan sooner and save some interest☺

Lest we forget ❤️
24/04/2025

Lest we forget ❤️

Finally the news we have been waiting for. Interest rate cut!☺A 0.25% interest rate cut can have a noticeable impact on ...
18/02/2025

Finally the news we have been waiting for. Interest rate cut!☺

A 0.25% interest rate cut can have a noticeable impact on both borrowing capacity and loan repayments. Let’s break it down for an average $600,000 loan currently at 6.1%:

Borrowing Capacity:

When interest rates drop, lenders reassess your ability to service the loan.
A 0.25% cut could increase your borrowing capacity by roughly $15,000 to $20,000 (depending on the lender's assessment rate and your financial situation).
Monthly Repayments:

On a $600,000 loan over 30 years:
At 6.1%, repayments are about $3,630 per month.
At 5.85% (after a 0.25% cut), repayments would drop to roughly $3,523 per month.
That’s a saving of about $100–$110 per month — or over $1,200 per year — without any changes to the loan amount.
In short, a 0.25% rate cut not only reduces monthly repayments but could also boost your borrowing power, helping you secure a higher loan amount or save more on interest costs over time. Let me know if you want to dive deeper into how this could work for your specific situation!

19/10/2024

🚨 Attention CBA Account Holders 🚨seems to be happening to other financial institutions too.

Heads up! If you’ve made payments using tap or Apple Pay in the last 24-48 hours, make sure to check your transactions. We’ve noticed some payments have been charged twice! 😳

It seems like their customer service lines are flooded with calls right now, so if you spot anything unusual, be sure to reach out to CBA and keep an eye on your accounts.

Stay on top of it, and let others know! 👍

Address

Melbourne, VIC
3006

Telephone

+61400165031

Website

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