Kate Sawyer - Finance Broker

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Mooloolaba, QLD
Kate Sawyer - Finance Broker

Home, business, personal loans.

Here to help you sleep at night 🏠

Credit Representative Number 551839 is authorised under Australian Credit Licence Number 387856

13/05/2026

Everyone who owns property or making plans for it wakes up after Budget night asking the same question…

“What does this actually mean for me?”

The truth is most Australians don’t need a 40-page Budget breakdown.
They need someone to explain:
➡️Can I still buy?
➡️ Should I refinance?
➡️ Will this affect rates?
➡️ Is property still a good move?
➡️ What should I do next?

And honestly? The answer is different for everyone.

There’s also still a lot we don’t yet know around how and when the banks will interpret the changes, and how this may impact different lending scenarios, borrowing power and policies moving forward.

I had a financial adviser say to me today “great time to leave the industry Id say!”. And I get it! While the Budget will absolutely change lending and continue shifting the finance landscape… I actually think it’s the opposite.

This is the time everyday people will need more support, guidance and strategy than ever before.

Because when things become more confusing, more expensive, or harder to navigate, people need someone in their corner who can simplify the process and help them make smart decisions.

Last night’s Budget continued the conversation around housing affordability, cost of living pressures and economic stability – all things that directly impact borrowing power and financial confidence.

But smart finance decisions are never made off one headline. They’re made with a long-term plan.

10/05/2026

A home is built from more than bricks and mortar.

This Mother’s Day, we celebrate the mums, mother figures and caregivers who bring warmth, strength and heart into the lives of those around them.

Thank you for all that you do – the seen and unseen.

Wishing you a Mother’s Day filled with love, appreciation and a little time for yourself ❤️

05/05/2026

Interest rates have moved again 📊

The Reserve Bank of Australia has increased the cash rate by 0.25%, now sitting at 4.35%.

This is the third increase this year.

What’s interesting this time:

⭐️ The decision was far more decisive – 8 members voted to increase, only 1 voted to hold
⭐️ Last time, it was a much closer split (5-4), showing more uncertainty
⭐️ This shift tells us there’s stronger conviction now around inflation needing to be controlled

We’re also back at rate levels last seen between late 2023 and early 2025.

What this actually means for you:

- If you’re on a variable rate, your repayments will likely increase again.
- If you’re fixed, this doesn’t change your rate right now – but it matters for what comes next.
- If you’re looking to buy or refinance, borrowing capacity may be slightly tighter.

This is where I think people get it wrong – it’s not just about rates going up.

It’s about having the right structure, the right lender, and a strategy that actually works in this environment.

There’s still opportunity out there. You just need to be positioned properly.

If you want to understand what this means for you specifically, reach out.

15/03/2026

One of the biggest myths in finance is that you need to tick a perfect employment box to get a mortgage.

Two years of financials.
Full-time permanent employment.
No job changes.

Not true ❌

Every week I speak to people who assume they won’t qualify because they are:

• Contractors
• Casual employees
• Earning overtime or allowances
• Working multiple income streams
• In a new job

But lending policies are far more flexible than most people realise.

For example, many lenders will consider:

• Casual income with consistent history
• Overtime, shift loading and allowances
• Contract income without two years of financials
• Bonuses and commissions
• Multiple jobs or income streams

And here’s one many people don’t know.

If you’ve recently started a new job in the same industry, lenders may not require the typical time in role at all. Your experience in the industry can often carry more weight than the length of time with the employer.

Finance doesn’t have to fit a traditional employment model.

The key is knowing which lenders understand how modern incomes actually work.

If your income structure is a little outside the “standard” – it’s still very possible to buy property.

You just need the right strategy and the right lender.

If you’re not sure whether your income would be accepted by lenders, feel free to reach out. Happy to talk through your options.

11/02/2026

If your home loan rate is currently fixed, this is one to keep an eye on 🏦

Following last week’s RBA hike, analysts are already signalling that rates are likely to rise again before the year is out.

A simple tip if your current fixed rate is lower than today’s variable rates:

Start putting a little extra money aside now.

That might look like:
– topping up your redraw
– parking extra funds in an offset or savings account
– or making repayments as if your rate was already higher

Why?
It helps you adjust gradually to higher repayments, rather than feeling the shock all at once.
And it builds a buffer you can lean on if household costs rise at the same time.

Small, consistent changes now can make a big difference later.

As always, everyone’s situation is different. This isn’t personal financial advice, and it’s worth getting guidance specific to your circumstances.

If you’re unsure what your options look like as your fixed rate comes to an end, reach out – planning early gives you far more control.

02/02/2026

Yes, that’s my sign.
Yes, the glare was ridiculous and I couldn’t see a thing.
But behind the laughter is a mortgage broker who genuinely loves helping people into homes, refinancing smarter, and making finance feel less overwhelming.

If you’re buying, refinancing, or just want clarity around your options, feel free to reach out.

25/08/2025

Big news for first home buyers!

From 1 October, changes to the First Home Guarantee Scheme mean it’s now even easier to get into the market:

🔹Buy with just a 5% deposit

🔹Pay no LMI (Lenders Mortgage Insurance)

🔹No income test applies

🔹Plus, property value caps have increased – giving you more choice in where and what you can buy

If you’ve been thinking about taking your first step into the property market, now could be the right time.

Get in touch and I’ll walk you through what this means for you.

14/07/2025

First coffee of the day… and my very first cup with my name on it ☕️
Very proud to see and out in the wild at my favourite local cafe .espresso! Supporting local businesses and local into homes - it’s what I love most.
Next time you’re driving down Nicklin Way pop in and see Chelsea. She’s an absolute rock star and makes the best coffee in town ❤️

07/05/2025

On Friday, our incredible Grace was awarded an Elite Broker Award by Outsource Financial in Sydney — a well-deserved recognition of her talent, hard work, and unwavering commitment to our clients 🙌🏼

The day began with the Innovation & Excellence Forum, where we spent time learning, connecting, and being inspired by some of the most outstanding performers in the mortgage industry across Australia. To finish the day celebrating Grace’s award was the icing on the cake. 🏆

We’re so proud of what we’re building at and moments like this remind us why we do what we do.

Congratulations Grace — your passion and dedication shine through in everything you do! 💼💙

📸 Sharing some highlights from the day and night — scroll through to see the celebrations, the learnings, and all the joy!

BTW… Are you even human if you don’t love playing in photo booths??

04/04/2025

“Just act normal,” they said… but where’s the fun in that?
Especially when normal in finance usually means stress, confusion, and zero personality.

We’re not here for that. At we’re rewriting the script — ditching the boring and making finance feel good (yes, even fun).

Because mortgages are serious… but your broker doesn’t have to be!

Address

Mooloolaba, QLD

Website

https://tayloredfinanceco.com.au/

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