Kate Sawyer - Finance Broker

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

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 💚

YOUR HOME HAS GONE UP IN VALUE. NOW WHAT?If your property has increased in value since you bought it, you may be sitting...
25/08/2026

YOUR HOME HAS GONE UP IN VALUE. NOW WHAT?

If your property has increased in value since you bought it, you may be sitting on equity you could actually put to work.

Depending on your circumstances, that equity could potentially help you:

🏡 Buy an investment property
🛠️ Fund renovations
🏦 Contribute towards your next property purchase
📉 Consolidate higher-interest debt
📊 Restructure your lending to better suit where you are now

But you don’t have to borrow more to benefit from increased equity.

At the very least, a higher property value could mean a lower LVR – and that may put you in a position to access a better interest rate on the loan you already have.

You don’t necessarily need to sell your home to benefit from the wealth you’ve built in it.

Sometimes the first step is simply finding out what your home is worth now, how much usable equity you have, and what that could mean for you.

Not sure what your property is worth now? I have access to lender valuation systems and can run some numbers for you. We can see what your current LVR and usable equity look like, then work out whether there’s an opportunity to reduce your rate, use your equity, or simply have a plan for what’s next.

Send me a message and I’ll take a look.

This is why I do what I do.Finance can feel overwhelming – especially when you’re not sure what your options are or wher...
25/08/2026

This is why I do what I do.

Finance can feel overwhelming – especially when you’re not sure what your options are or where to start.

My job is to take away the stress, find the right strategy and make the process as simple and smooth as possible.

Feedback like this means the world to me 💚

20/08/2026

Can you pick up your phone and text your bank any time of day?

Probably not.

But you can text or call me.

No call centres. No explaining your situation to a different person every time. Just fast, effective and kind service from someone who actually knows you and your loans.

That’s the difference a good broker can make.

Kate Sawyer
Greenstone Finance Group

13/08/2026

Can you refinance when you’re retired?

Absolutely – depending on your circumstances.

I recently helped a retired couple who had an old line of credit against their investment property.

They’d had the loan for almost 20 years. It was interest only, the product wasn’t even offered by their existing lender anymore, and their current rate was 9.6%.

On their $235,000 balance, that was around $1,880 every month in interest alone – without reducing the debt.

They’d already spoken to their existing lender and there wasn’t much they could do with the product. And being retired, they weren’t sure there would be other options.

It wasn’t the easiest refinance – but we found three lenders willing to consider their circumstances.

The end result?

– refinanced from 9.6% to 6.09%
– moved from interest only to principal & interest
– accessed an additional $100,000 for renovations
– and now their loan is actually reducing

This is exactly why I bang on about reviewing your loans.

Retired?
Self-employed?
Recently changed your business structure?
Income changed?
On parental leave?

Your situation might be a little more complicated, but that doesn’t automatically mean you can’t refinance.

Sometimes there genuinely isn’t a better option. But sometimes there absolutely is.

Don’t put it in the too-hard basket without finding out first.

Your interest rate could go up today.When was the last time you had your home loan reviewed?A quick review could be wort...
11/08/2026

Your interest rate could go up today.

When was the last time you had your home loan reviewed?

A quick review could be worth it.

Spring property season is just around the corner… and it will be here before you know it. 🌸If you’re planning to buy at ...
10/08/2026

Spring property season is just around the corner… and it will be here before you know it. 🌸

If you’re planning to buy at auction this spring, a little preparation now can make all the difference.

Here are three things to do before auction day:

✔️ Get your pre-approval sorted so you know exactly how much you can spend.
✔️ Have the property checked with your lender to make sure the postcode and property type meet their lending policy.
✔️ Have your deposit ready to go so you can pay it immediately if you’re the successful bidder.

The best time to prepare isn’t the week before the auction – it’s now.

Visit our website to learn more about pre-approvals, or get in touch if you’d like to chat about getting auction ready.

Last week I was in Sydney for the 2026 Doyenne Program with ANZ Australia It’s a scholarship program bringing together 2...
03/08/2026

Last week I was in Sydney for the 2026 Doyenne Program with ANZ Australia

It’s a scholarship program bringing together 25 women from across Australia, and I’m genuinely honoured to be one of them.

Over the next seven weeks we’ll be challenging the way we think about our businesses – what’s working, what could be better, and how we can create even better outcomes for our clients, our teams and ourselves.

I’m looking forward to learning from an incredible group of women, sharing ideas, and bringing plenty of practical insights back to Greenstone Finance Group.

Watch this space

Not all pre-approvals are the same ⚖️ This catches so many buyers out.A lot of people think they have a pre-approval… on...
31/07/2026

Not all pre-approvals are the same ⚖️

This catches so many buyers out.

A lot of people think they have a pre-approval… only to find out later it was simply based on the information they entered, with no documents verified or credit assessment completed.

That can become a problem when you’ve found the perfect property and need finance approved quickly.

A fully assessed pre-approval gives you a much clearer understanding of your borrowing position before you start making offers.

Every lender has a different process too, so choosing the right lender is just as important as getting the pre-approval itself.

If you’re planning to buy this year, let’s make sure you’re starting from the strongest position possible.

Reach out for a chat before you start house hunting. It could save you a lot of stress later.

Address

Mooloolaba, QLD

Website

Alerts

Be the first to know and let us send you an email when Kate Sawyer - Finance Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Kate Sawyer - Finance Broker:

Shortcuts

Share

Category