At club level, Taylor played non-League football for Petersfield Town, Basingstoke Town and Farnborough Town before moving into the Football League with Barnet. He went on to play for Southampton, Fulham, Birmingham City, where he spent eight years before his release at the end of the 2010–11 season, Leeds United and Millwall. In international football, he played for Northern Ireland, qualifying for that country through his British passport which at that time, as he was born abroad, entitled him to play for any of the Home Nations.
Taylor was born in Hildesheim, West Germany, to a German mother and an English father who was serving as a staff sergeant in the Royal Electrical and Mechanical Engineers (REME) regiment of the British Army. Taylor began his football career at ASC Nienburg of Nienburg, Lower Saxony, in Germany before moving to England as a schoolboy. He later followed in his father’s footsteps by joining the REME based at Arborfield in Berkshire, where he attended Princess Marina College.
He later moved to Bordon in Hampshire where he played football for his regiment and for the Army and Combined Services representative sides. During this period he also played for Petersfield Town, Basingstoke Town and Farnborough Town, with whom he won the Southern League Premier Division title in 1993–94.
Taylor had become a “Saints” fan as a schoolboy so when Graeme Souness brought him to The Dell in January 1997, no-one was more delighted than Taylor himself. Taylor immediately went into the first-team, replacing Dave Beasant, and made his debut on 11 January in a 1–0 victory at Middlesbrough. During his first season at Southampton, the team struggled near the foot of the table, missing relegation by one point, having been in last place with five matches to play.
Souness left the club in the summer of 1997, being replaced by Dave Jones who brought in several new players, including goalkeeper Paul Jones from his previous club, Stockport County. Taylor spent the rest of his time at Southampton on the bench and was sold to Fulham in November 1997.