Kate Sawyer - Finance Broker

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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

Some things are better left to the professionals. Clearly, hairdressing is one of them.Luckily, I’m much better at arran...
13/10/2026

Some things are better left to the professionals. Clearly, hairdressing is one of them.

Luckily, I’m much better at arranging finance than cutting hair.

If you’re looking at buying, refinancing or just wondering whether your current loan could be better, let’s chat.

And no, I won’t be offering haircuts anytime soon.

❤️

12/10/2026

Suncorp and ANZ merger – what does it mean for your home loan?

If you’re a Suncorp customer, there are a few things worth knowing as the banks come together.

I’ve broken it down in this quick video, including what it means for your mortgage and your options moving forward.

Quick mortgage check-in.What interest rate are you currently paying?If you don’t know – go check. Seriously.And if you w...
01/10/2026

Quick mortgage check-in.

What interest rate are you currently paying?

If you don’t know – go check. Seriously.

And if you want a second opinion, send me:

– your current interest rate
– roughly what you owe
– whether you live in the property or it’s an investment

That’s it.

If I think it’s worth looking into further, I’ll tell you.

If you’re already in a good spot, I’ll tell you that too.

You don’t need to refinance just because rates have moved. But you should know whether your current loan is still competitive.

Send me your rate. Let’s have a look.

29/09/2026

Before you accept your new home new rate – watch this.

Rates are up 0.25%. And if you have a home loan, you’re probably wondering what that means for you.My advice? Don’t pani...
29/09/2026

Rates are up 0.25%. And if you have a home loan, you’re probably wondering what that means for you.

My advice? Don’t panic. But also don’t just accept higher repayments without checking your options either.

A home loan review can look at:

📊 The rate you’re currently paying
🏦 Whether your existing lender can do better
🤝 What other lenders are offering
📉 Whether your loan is structured properly for you
💰 Whether refinancing could reduce your repayments or overall interest costs

And sometimes, the best advice is to stay exactly where you are.

If it’s been a while since someone properly reviewed your home loan, send me a message. Even if you just want to send me your current rate and ask, “Is this any good?” – I’m happy to take a look.

No hard sell. Just good advice based on your numbers.

Happy clients = happy Kate ❤️I genuinely love what I do, and knowing I’ve made the finance process a little easier for s...
28/09/2026

Happy clients = happy Kate ❤️

I genuinely love what I do, and knowing I’ve made the finance process a little easier for someone is a pretty good feeling.

Whether it’s buying a home, investing, refinancing or finally getting a tricky deal across the line – being able to support my clients and make a difference is why I do it.

And a big thank you to everyone who takes the time to leave a review. I know life is busy, and those few minutes mean more to a small business than you probably realise.

Very grateful for every single one.

For 7 weeks I’ve had the privilege of being part of the ANZ Australia Doyenne program with a group of phenomenal women f...
11/09/2026

For 7 weeks I’ve had the privilege of being part of the ANZ Australia Doyenne program with a group of phenomenal women from across the country.

The friendships and connections built within this group have been incredible – and I was lucky enough to be grouped with these five wonderful ladies.

We’ve laughed, cried, shared stories, business tips and plenty about life too. And I know we’ll continue to do so long after the program ends.

Absolutely no competition – just collaboration and connection. All of us from different states, aggregators and stages of our businesses, building each other up in work and in life.

So grateful for these ladies and cannot wait to continue our Table 2 love ❤️

And a huge thank you to the ANZ crew and Jane Counsel for the last seven weeks of learning and growth. It’s been invaluable xx

A pretty good day when you get to pick up the new Hilux 🎀There’s something pretty satisfying about helping clients get t...
02/09/2026

A pretty good day when you get to pick up the new Hilux 🎀

There’s something pretty satisfying about helping clients get the keys to something they’ve worked hard for – and getting a 5-star review afterwards makes it even better.

For these guys, there was also a bit more going on behind the scenes.

With a complex construction loan coming up, we needed to make sure the Hilux finance was structured in a way that wouldn’t impact the bigger plan.

So while vehicle finance can look pretty straightforward, sometimes the lender you choose and how you structure it really matters.

New Hilux sorted. Construction plans still on track.

Congrats guys – enjoy the new wheels!

01/09/2026

You might be seeing some really low interest rates advertised online at the moment. I’ve had quite a few clients asking me about them so thought I would explain it here too 😊

The thing to remember is, interest rates are priced on risk.

If you’ve got a larger loan with a low LVR – say under 60% – and it’s owner-occupied, you’re generally a really attractive client to a bank, so there can be more room for a sharper rate.

Investment loans are generally priced a little higher, and higher LVRs will be too.

So don’t just compare your rate to the one you see advertised online. The better question is: what’s the best rate available for your actual scenario?

Reach out if you want to find out your rate options 🏦

26/08/2026

This one had ONE lender option.

Private mortgage. Self-employed with one year of financials. Casual income that couldn’t be annualised the way we needed it to be. And a construction loan on top of all of that.

Walking into their bank simply wasn’t going to get this one across the line.

We could have gone low doc – but that would have meant thousands more in fees and a much higher interest rate.

Instead, I found the lender whose policies actually worked for their situation.

Approved at 6.07% in under a week.

Complex doesn’t always have to mean expensive. Sometimes you just need to know where to look.

If you’ve been told no, or feel like your situation is in the too hard basket, reach out. There may be another way to make it work.

Kate 💚

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Mooloolaba, QLD

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