Sona Financial

Sona Financial Strategic mortgage and lending advice built around your long term position. No jargon. No pressure. Just steady support that fits your life.

Homebuyers • Investors • Self-Employed • Business Owners • Life Transitions
Based in Brisbane, available nationwide. At Sona Financial, we help people make smart, grounded decisions about their home loans — especially during life’s big transitions. Whether you're buying your first home, refinancing, investing through your SMSF, or navigating separation or a fresh start, we’re here to guide you wi

th clarity, care, and strategy. Based in Brisbane and working with clients across Australia (and Aussie expats abroad), we offer honest advice, tailored loan structures, and a process that feels human — not transactional.

Before becoming a mortgage broker, I spent years assessing lending applications inside a bank.That experience still shap...
18/06/2026

Before becoming a mortgage broker, I spent years assessing lending applications inside a bank.

That experience still shapes how I approach every client conversation today.

Because what looks straightforward on the surface isn’t always straightforward to a lender.

Business income.

Trust structures.

Multiple properties.

Bonus income.

Self-employed applicants and business owners.
Self-managed super fund investments.

The difference between an approval and a decline often comes down to how the application is presented and which lender is chosen.

Finding a competitive rate is important. But understanding how lenders think is where experience becomes valuable.

A lot of buyers think the property search is the first step.Often, it isn’t.The strongest property decisions usually sta...
18/06/2026

A lot of buyers think the property search is the first step.

Often, it isn’t.

The strongest property decisions usually start before the first open home.

They start with understanding:

• What your borrowing capacity looks like today

• Whether your current lending structure is helping or holding you back

• What lenders will actually do with your income

• How your next purchase fits into your longer-term plans

The goal isn’t just finding a property.

It’s making sure the purchase supports where you’re heading.

A little planning early can make the whole process far less stressful later.

For years, the conversation was simple.Buy the biggest house you can afford.Today, it’s a lot more nuanced than that.Wit...
16/06/2026

For years, the conversation was simple.

Buy the biggest house you can afford.

Today, it’s a lot more nuanced than that.

With property prices where they are, more buyers are seriously considering townhouses and apartments. Not because they’re settling, but because they’re weighing up affordability, lifestyle, location and long-term goals.

The question isn’t whether a house is better than a unit.

The better question is:

Which option helps you move forward with confidence?

That’s where lending strategy becomes important.

Before looking at properties, it’s worth understanding how much flexibility your current position gives you, what your borrowing capacity really looks like, and whether your finance structure supports the life you’re trying to build.

That’s often where the best decisions start.

Are you tired of navigating complex lending alone? Reach out to Nathan Lewis to discover how his expertise can help you ...
16/06/2026

Are you tired of navigating complex lending alone?

Reach out to Nathan Lewis to discover how his expertise can help you secure the financing you need

New week, new goals. If your to-do list for the week involves thinking about your next steps, we’ve got two quick questi...
14/06/2026

New week, new goals.

If your to-do list for the week involves thinking about your next steps, we’ve got two quick questions for you:

1. Is your current loan still working for your lifestyle? A great home loan isn't just about a single number; it's about structure. If your income has changed, you're looking to renovate, or you aren't fully utilizing features like offset accounts, your current setup might be holding you back. A quick loan review ensures your structure actually aligns with your 2026 goals.

2. Are you looking to buy or upgrade soon? Walking into an open home without a pre-approval is like house hunting with a blindfold on. Securing your pre-approval gives you an exact understanding of your borrowing power, clear budget boundaries, and the confidence to act fast when the right property pops up.

Whether you want to optimize your current setup or map out your next big move, we can help you get a strategy in place this week.

👉 Drop us a DM with "STRATEGY" or "BUY" to chat with our team, or click the link in our bio to book a quick, free, no-obligation chat.

14/06/2026

No mortgage content today. Just Australian’s enjoying a Socceroos win today 💖🇦🇺

Back in the office tomorrow 😉🥳

We take a considered approach to everything we do, including this.Something new is on its way. Watch this space.
12/06/2026

We take a considered approach to everything we do, including this.

Something new is on its way. Watch this space.

The federal government has proposed a 30% minimum tax on discretionary trusts from 1 July 2028. It's not yet law, but it...
10/06/2026

The federal government has proposed a 30% minimum tax on discretionary trusts from 1 July 2028. It's not yet law, but it's worth paying attention to now.
For property investors holding assets inside a trust, the more immediate question isn't about tax. It's about structure.

If your lending is tied to your trust entity, changes to how that trust operates, whether through tax reform, restructuring, or a shift to a corporate entity can have real implications for your borrowing capacity and your ability to move on the next opportunity.

Before any restructuring conversation with your accountant, it's worth understanding what your current lending structure looks like, how flexible it is, and whether it still supports where you're headed.

That's the conversation I have with clients before the decisions get made, not after.
If you're holding investment property in a trust and want clarity on how your lending sits, send me a DM.

One of the reasons borrowers make rushed decisions is that they start with the transaction instead of the position.The p...
07/06/2026

One of the reasons borrowers make rushed decisions is that they start with the transaction instead of the position.

The property.
Best rate.

But the stronger question is usually:

What does your current position look like against where you want to go next?

That means looking at structure, policy fit, servicing, income treatment and whether the file would actually read well to a lender if that next step happened now.

This is where strategic lending becomes different from transactional broking.
The value is not just in finding an option, and a good option.
It is in helping clients understand the base they are building from so we choose the right option for you both now and for your next move.

That is what separates a loan approval from a lending strategy.

Nathan's unbeaten Connect 4 record is starting to make sense.You think you're winning.Nathan already saw this outcome fo...
04/06/2026

Nathan's unbeaten Connect 4 record is starting to make sense.
You think you're winning.
Nathan already saw this outcome four moves ago.
He approaches home loans the same way.
Always thinking a few moves ahead, looking at the bigger picture, and helping clients make smart decisions that set them up for the future.

Fortunately for his clients, he's much nicer than he is at Connect 4. 😏

Address

Bardon, QLD
4065

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61416881812

Website

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