CARA JULIAN

Nominee for what Award/s

Everyday Trailblazer Award

Brave in Business and Life Award

Everyday Trailblazer Award

Everyday Trailblazer Award


1. What male-dominated space or tradition did you step into?

I stepped into the mortgage and finance industry—one of the most traditionally male-dominated sectors in Australia. It’s a space that has long operated on outdated assumptions: that financial decisions are best left to men, that brokers should be numbers-first and feelings-never, and that loyalty to banks always serves the customer. I came in with a different lived experience—and a very different vision.

After separating from my long-term partner at 43 and losing my marketing business during COVID, I found myself in a position I never imagined: no income, limited super, a young daughter to support, and no clear financial roadmap. Both my long-term relationship and career had collapsed within months of each other, and I was forced to rebuild from the ground up—personally, emotionally, and financially.

But I knew I couldn’t afford to stay stuck. I carried the responsibility of creating a financially secure future not just for myself, but for my daughter. She was watching me closely, and I wanted to model what resilience, reinvention, and self-worth could look like—even when the circumstances felt impossible.

That experience led me to retrain as a mortgage broker in my 40s. Not just to survive, but to create the kind of support I desperately needed during that time. I wasn’t just stepping into the industry—I was stepping in to challenge it. To prove that women belong in finance. To change the way we talk about money, mortgages, and confidence. And to make sure no woman ever has to navigate financial decisions alone or under-informed again

2. What barriers or stereotypes did you face?

When I entered this space, I didn’t fit the mould. I wasn’t a banker. I didn’t come from finance. I didn’t speak in spreadsheets or have a network of industry insiders to lean on. I was a single Mum in her 40s, starting again from scratch, with lived experience, big questions, and an even bigger mission: to improve financial literacy for women and challenge the status quo of how the mortgage industry shows up for people—especially those who’ve traditionally been left behind.

From the outset, I faced all the usual stereotypes: that I was “too emotional” to succeed in finance, that women don’t care about the numbers, and that my focus on education, empathy, and storytelling wasn’t "professional" enough. There was a subtle but persistent push to conform—to dress a certain way, speak a certain way, and present my business in the same polished-but-generic format as everyone else.

There was also an underlying belief that women simply couldn’t commit to building a business the same way men could—that we had too many other things in life to focus on, like raising children or managing households. As if being a mother somehow made me less capable of being a leader. These outdated assumptions weren’t just frustrating—they were fuel. I knew that challenging them wasn’t just about proving a point. It was about proving what’s possible when we stop underestimating women’s capacity to lead, build, and create meaningful impact—on their own terms

But I had no interest in blending in. I wanted to break the mould—not fit into it.

I openly challenge the traditional banking model, including the lack of customer loyalty and transparency. Banks regularly reward new customers while existing customers quietly pay higher rates—and I speak about that openly and unapologetically. I’ve built my brand on honesty, accessibility, and a refusal to accept “that’s just how it works” as a reason not to do better.

That mindset is what inspired my book, Why You Should Date Your Bank & Not Marry Them! —a title that raised eyebrows in the industry but sparked curiosity and connection with everyday borrowers. I was told not to call it that. I was told I shouldn’t print it in pink. I was told I shouldn’t put myself on the cover wearing a denim jumpsuit and holding a glass of champagne. But I did all of that anyway—because I want to make finance fun, human, and relatable. And because I believe financial literacy shouldn’t be intimidating or reserved for a select few who “get it.”

Through my book, brand, speaking events and workshops, I’ve chosen to challenge the traditional image of what finance should look like—and in doing so, I’ve built a new one: approachable, inclusive, and bold enough to shake things up.

3. How did you stay motivated when facing resistance?

I held onto two things: my daughter, and the women I serve. I wanted to model courage, resilience, and possibility—not just for her, but for every woman who has ever felt like she’s too far behind to catch up.

There were so many moments where quitting would have been easier. But I kept telling myself: “This gets to be part of my story - but it doesn’t get to be the whole story” That mantra carried me through the hardest days. I reminded myself daily that I didn’t need to have all the answers—I just needed to keep putting one foot in front of the other. One step at a time, even when the path felt uncertain.

Through it all, I kept my purpose as my north star. It became the lens through which I made every decision and the anchor that kept me focused when doubt crept in. I knew I wasn’t just rebuilding for myself—I was building something bigger. Something that mattered.

Instead of hiding from my experiences, I turned them into tools. I wrote a book—Why You Should Date Your Bank, Not Marry Them—to demystify the mortgage process and make financial literacy accessible, engaging, and even a little fun. I created workshops based on the book, launched a video series, and started speaking up about what the industry could be doing differently. When I was invited to host my industry book launch at RedZed’s headquarters, I used it not to promote myself—but to start a conversation: What can we do collectively to improve financial literacy for women?

That bigger mission has always been my motivator—and it continues to guide me forward, one brave step at a time.

4. What does being a trailblazer mean to you now?

Being a trailblazer means doing it differently—even when it’s uncomfortable. It means backing yourself when the system wasn’t built for you. It isn’t about being the loudest in the room—it’s about being real, being brave, and being willing to challenge norms so others feel safe to do the same. It’s about opening doors where others only saw walls. I don’t want to play the old game better—I want to help rewrite the rules.

That mindset influences everything I do—from how I show up as a mortgage broker, to boldly choosing a pink cover for my finance book, featuring me in a denim jumpsuit holding a glass of champagne, to how I run community workshops and speak on panels—I’m always thinking: How can we make this more inclusive, more honest, and more human?

Trailblazing to me also means using your platform to uplift others. That’s why I created Businesses of Bayside—a grassroots initiative that shines a spotlight on local small businesses (particularly women-led ones), amplifying their stories and building connection across our community. It’s not about competition—it’s about celebration, visibility, and impact.

Through my book, my workshops, my speaking events, my one-on-one client work, and my local advocacy, I’ve proven that there’s a different way to be a mortgage broker. One that prioritises education, community, and human connection—without ever compromising on expertise or outcomes. That’s what trailblazing looks like to me: leading with heart and leaving the path clearer for others to follow.

5. How do you want to open doors for the next generation?

I want the next generation of women to know that financial confidence isn’t something you’re born with—it’s something you build. And it starts with education.

I want to normalise financial conversations, challenge outdated gender roles, and remove the shame so many women carry when it comes to money. I want women to feel confident enough to be curious—to ask questions, to seek understanding, and to take up space in conversations they were once excluded from. Because curiosity is where growth begins, and education is what unlocks it.

That’s why I give away 1,000 copies of my book Why You Should Date Your Bank, Not Marry Them every year as a free resource—to reach the women who don’t even know where to begin. It’s why I run workshops, not just to teach strategy, but to create safe, relatable spaces where women can ask the “silly” questions they were once made to feel embarrassed about.

It’s also why I actively partner with councils, community organisations, and financial planners—to get these resources into the hands of women who are often overlooked by traditional financial systems.

My goal is simple: to be the guide I needed a decade ago. To show women that it’s never too late to rewrite your story, and that financial independence isn’t reserved for the few—it’s available to anyone with the right support and knowledge. If I can open the door, I’ll hold it wide

Brave in Business and Life Award

Brave in Business and Life Award

1. Tell us about a major setback and how you recovered.


At 43 I found myself in a very vulnerable position. Neither my long-term relationship or marketing business survived Covid. I found myself separated, with no income, no financial security, and the crushing weight of not knowing how I would provide for myself—let alone my young daughter. Facing a future I’d never imagined - alone.

What made it even harder was realising how little I actually knew about finances. I’d grown up in a time when men typically handled the finances, and like many women of my generation, I had unconsciously handed over that responsibility in my relationship. So, when my marriage ended, I didn’t just lose financial support—I lost confidence in my ability to manage money altogether. That was the most confronting part: knowing that I had to build not only a new life but also a new mindset around financial independence.

But I refused to stay stuck. I made the decision to retrain as a mortgage broker—an industry I knew very little about—because I knew it would give me the financial education I desperately needed and the opportunity to build a financially secure future for both myself and my daughter. So, I threw myself into learning - I knew I needed to become someone she could look up to, someone who could show her what it looks like to rise.

Looking back, it was a risky path. I could have gone after a stable job and a secure income—but I knew that wasn’t where I was meant to be. I felt a deep pull to do something that mattered, to turn my lived experience into a source of support for other women. I didn’t want other women to ever feel as unprepared and powerless as I did in that moment. Starting my own mortgage broking business wasn’t the safe option—it was the brave one. Every day, I had to back myself. To believe that this mission—to help women build financial confidence and reclaim control—was worth it. And it was.

I didn’t just recover. I reinvented. And I’ve made it my mission to help other women do the same.

2. What mindset helped you keep going when quitting seemed easier?


 The mantra that carried me through was: “This gets to be part of my story—but it doesn’t get to be the whole story.” I held onto that when everything felt heavy. I had just gone through a separation, lost my business, and was starting from scratch in a world I didn’t fully understand. It would have been so much easier to stay small, to play it safe, or to let fear dictate my next move. But I knew I had more in me—and more to give.

I refused to let one chapter—no matter how painful—define the entire book. I reminded myself that resilience isn’t loud or glamorous. Sometimes it’s just getting out of bed, making the call, enrolling in the course, or applying for the ABN when everything in you is saying, “Who do you think you are?”

So, I leaned into progress over perfection. I let go of the idea that I had to have it all figured out. Some days, the steps were small—almost invisible. But they still counted. I didn’t always feel brave, but I made the decision to be brave anyway. I chose courage when it felt uncomfortable. I backed myself on the days it felt impossible. And slowly, that mindset shifted everything. I wasn’t just surviving—I was building something real, something meaningful.

Courage isn’t the absence of fear—it’s the quiet, relentless decision to keep going with it. That became my turning point.

3. How did your vision evolve because of adversity?


 Before everything fell apart, my goals were mostly professional—focused on building a successful business, hitting milestones, and doing good work. But when I experienced financial vulnerability firsthand, everything changed. I saw the cracks in the system—the outdated beliefs, the lack of accessible support, and the quiet shame many women carry when it comes to money. That’s when my purpose shifted.

I didn’t just want to help people get a home loan—I wanted to change the way women experienced finance altogether. I launched Brava Finance as more than a brokerage. It became a mission-driven business built around improving financial literacy, independence, and confidence. I wanted to give women the tools and support I never had, especially those navigating life transitions like separation, starting over, or buying a home on their own for the first time.

That mission led me to write Why You Should Date Your Bank, Not Marry Them—a book designed to challenge outdated financial mindsets and serve as a practical, empowering guide for women. I’m not selling it. I’m giving away 1,000 copies a year, for free. Because I know that access to information can be the difference between fear and freedom.

But I didn’t stop there. I took the message to the industry. I partnered with lenders, hosted a book launch designed to start a broader conversation, and invited mortgage professionals, media, and community leaders to ask: What are we doing to truly support women’s financial wellbeing? The response was overwhelming—in the best way. People were ready for this conversation. And I realised this wasn’t just my story. It was so many women’s stories.

At the heart of it all is a belief I now live by: education leads to confidence, confidence sparks curiosity, curiosity inspires informed questions, informed questions lead to smarter moves—and smarter moves build financial security. That’s the ripple effect I’m committed to creating.

The vision got bigger because adversity gave me clarity. It pushed me out of survival mode and into advocacy. And now, everything I do—through my business, my book, and my voice—is about making finance more inclusive, more accessible, and more human for the women who’ve been left behind for far too long.

4. What keeps you motivated in business and/or life today?


Two things keep me going: my daughter, and the women I serve.

My daughter is my daily reminder of why this work matters. I want her to grow up in a world where women feel confident talking about money, making financial decisions, and building their own futures. I want her to see that strength isn’t about having all the answers—it’s about showing up, choosing growth, and trusting yourself even when things are uncertain. I model that for her every day, because I know she’s watching.

And then there are the women I get to work with. Women who are starting over. Women who’ve been overlooked or underestimated. Women who never thought they could own property, let alone feel confident in the process. When I see a woman shift from overwhelmed to in control, from financially unsure to financially secure—that’s the moment that keeps me going. I know what it feels like to be on the other side of that. And I want to make a difference.

This business isn’t just about loans or interest rates. It’s about creating space for women to feel safe, seen, and supported. It’s about challenging outdated narratives and showing that financial literacy isn’t just for the wealthy or well-connected—it’s for all of us. I’m building more than a business; I’m building a movement. One that helps women step into their power and shape a future on their own terms.

That’s what fuels me—even on the hard days. Because when your work is rooted in purpose, it becomes bigger than you. And I wouldn’t have it any other way

5. What’s your message to others experiencing burnout or loss?


 You don’t have to rebuild overnight. But you can rebuild. And that truth alone can be your starting point.

When you’re in the middle of burnout, loss, or any major life disruption, it’s easy to feel like the ground has been ripped out from beneath you. But what I’ve learned is that rock bottom isn’t the end—it’s the foundation. It’s solid ground you get to build something new on. And that new beginning doesn’t have to be perfect, polished, or look like anyone else’s version of success. You just have to begin.

Start small. Rest. Breathe. Recalibrate. And then take the next tiny step. The magic is in the momentum—not in doing it all at once.

One of the most important shifts I made during my own burnout was learning how to speak to myself with kindness. Rewriting the internal script from “You’ve failed” to “You’re doing your best” made all the difference. Self-belief is built one decision at a time—every time you show up for yourself, every time you say, “I’m not giving up,” even when it feels easier to walk away. That’s courage.

There is power in asking for help. There is strength in starting again. And there is deep, quiet bravery in choosing to believe that something better is coming—even if you can’t see it yet.

So, if you’re in the thick of it right now, know this: you’re not broken. You’re becoming. Give yourself grace. Talk to yourself like someone you love. And take the next right step—just one. That’s where it begins