Soul Finance Group - Kirsten Nazzari

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Soul Finance Group - Kirsten Nazzari

Soul Finance Group is your partner for finance.

Our team of finance brokers specialises in all aspects of finance.We aim to provide a comprehensive and efficient customer-service throughout the process of achieving your financial goals. With over 15 years of experience in the Finance Industry, the team of Soul Finance Group headed by its Managing Director, Kirsten Nazzari, had been proactively analysing and understanding each client’s unique si

tuation and expertly working through a range of finance options to find the best deal. The Soul team has access to more than 30 lenders across Australia, and depending on your situation, can get you pre-approval within 48 hours. Soul Finance Group is committed to providing you with great service and support every step of the way, not just during the application process, but throughout the life of your mortgage.

-Financing residential home loans
-Personal loans
-Debt consolidation
-Equipment and Commercial finance
-Startup Business loans
-General insurance
-Car loans

Disclaimer statement: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

*Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

*Corporate Credit Representative 486927 of Soul Finance Group Pty Ltd is authorised under Australian Credit Licence 389328.

*Credit Representative 464480, 479594 and 494402 of Soul Finance Group Pty Ltd is authorised under Australian Credit Licence 389328. Disclaimer: https://soulfinancegroup.com.au/disclaimer

Compliments and Concern: https://soulfinancegroup.com.au/compliments-and-concerns

01/06/2026

Still think you need a massive deposit sitting in your savings account to buy your first home? 👀🏡

The First Home Super Saver Scheme (FHSSS) lets eligible first-home buyers use their super to help save for a deposit, and honestly, not enough people know about it.

Here’s the simple version 👇
✨ Make extra voluntary contributions into your super
✨ Save up to $15K per year and $50K total
✨ Potentially benefit from lower tax rates while saving
✨ Withdraw those contributions + earnings later to help buy your first home

Yep… couples can both use it too. 👏

BUT before you jump in, it’s important to know:
✔ if you’re eligible
✔ how withdrawals work
✔ whether your super fund supports the scheme
✔ and the timing rules before settlement

It’s not for everyone, but for some buyers, it can be a smart way to boost a deposit sooner.

👉 Want to know if the FHSSS could work for your situation? Call or message me on 0408 081 082 and let’s chat.

24/05/2026

What’s actually holding back your home loan approval? 🏡💭
It’s not just about income. Lenders usually assess 6 key areas before approving a loan:

1️⃣ Personal circumstances – age, residency, and buying structure
2️⃣ Employment & income – PAYG, casual, or self-employed status
3️⃣ Financial position – income, expenses, debts, credit history, and savings
4️⃣ Deposit size – smaller deposits can limit options
5️⃣ Property type – some locations or property types have stricter criteria
6️⃣ Purpose of the property – owner-occupier vs investment property

The good newsis that even if your situation isn’t “standard,” there may still be lenders willing to assess it individually.

👉 Want to understand what could affect your borrowing power or approval chances? Call or message me on 0408 081 082 and let’s chat.

10/05/2026

❌ Thinking about refinancing, but haven’t taken action
❌ Wondering if you’re ready to buy
❌ Unsure what your borrowing power is
❌ Stuck on a rate you hope is competitive
❌ Thinking about refinancing but haven’t taken action

This is your sign and let me help you.
Here’s what I can do for you:

🔥 Pre-approvals – so you know exactly where you stand before you even step into an open home
🔥 Loan comparisons – across multiple lenders, not just one bank
🔥 Refinancing reviews – to check if your current rate is still working for you
🔥 Negotiation support – yes, you can negotiate with your lender
🔥 End-to-end support – from first chat to settlement, I’m in your corner

Clear next steps so you can actually move forward, whether that’s buying, refinancing, or simply understanding your options.

Call or message 0408 081 082 and let's chat. xx Kirsten

05/05/2026

𝗥𝗕𝗔 𝗨𝗽𝗱𝗮𝘁𝗲: 𝗖𝗮𝘀𝗵 𝗥𝗮𝘁𝗲 𝗡𝗼𝘄 𝗮𝘁 𝟰.𝟯𝟱% 📈

If you’ve been feeling like things are getting a bit tighter lately, you’re not alone. This change may mean:
👉 Higher repayments for some, especially on variable rates
👉 A bit more pressure on the monthly budget
👉 And still no clear “set” direction for where rates go next

If your fixed rate is ending soon, or if you haven’t looked at your home loan in a while, this might be a good time to check in just to understand where you stand.

Sometimes it’s as simple as asking:
✅ What rate am I actually on right now?
✅ Is this still competitive?
✅ Does my loan still suit my situation?

👉 If you want a quick, no-pressure chat about your loan or how this rate change might affect you, call or message me on 0408 081 082. Happy to help you make sense of it. x Kirsten

27/04/2026

If you’re looking for simple, realistic ways to reduce your home loan faster, here are a few strategies many homeowners find helpful:

1️⃣ Pay more often.
Switching to fortnightly repayments means you’ll make the equivalent of 13 monthly payments each year instead of 12.
That one extra month can help reduce interest and chip away at your balance sooner.

2️⃣ Add lump sums when you can.
Tax returns, work bonuses, or unexpected windfalls — putting them straight into your mortgage can make a meaningful difference. You won’t miss what you never had.

3️⃣ Use an offset account.
Keeping your savings in an offset account can reduce the interest charged on your loan, helping more of your repayment go to the principal.

4️⃣ Check the rate you’re paying.
Even with great habits, paying a higher-than-necessary interest rate can slow everything down. A quick home loan review can help you understand whether your current loan still suits your needs.

👉 If you’d like to talk through any of these options, feel free to call or message 0408 081 082.

19/04/2026

𝐒𝐡𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐛𝐞 𝐰𝐨𝐫𝐫𝐢𝐞𝐝 𝐚𝐛𝐨𝐮𝐭 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰? 🌍🏡

With everything happening globally, especially the situation involving Iran, it’s completely normal to feel a bit uncertain about your home loan or whether now is the right time to buy.

Here’s the simple breakdown:
Global conflicts can impact things like oil prices, inflation, and interest rates.
And when inflation stays higher, central banks (like the RBA) may hold or increase interest rates for longer.

But here’s what’s important:
👉 It doesn’t automatically mean the property market crashes.
👉 It doesn’t mean you’ve made a “bad” decision if you already have a loan.
👉 And it doesn’t mean you should panic.

What it does mean is:
✔ Stay aware of your current interest rate.
✔ Make sure your repayments still fit your budget.
✔ Keep a buffer where possible.

If you’re looking to buy, the question isn’t “Is the world perfect right now?” it’s “Am I financially ready?”

Markets move. Headlines change. But your strategy should always come back to your own situation.

👉 If you’re unsure where you stand, whether you’re buying or already have a loan, call or message me on 0408 081 082. Happy to talk it through xx Kirsten

13/04/2026

The Reserve Bank has recently raised the cash rate again, now sitting at 4.10%, marking the second increase in a row early this year.

This move is largely driven by ongoing inflation pressures, rising energy costs, and an economy that’s still holding strong. While that’s positive in many ways, it also means interest rates are staying higher for longer.

What this means for borrowers:
✅ Variable home loan rates are already moving up
✅ Monthly repayments may have increased, in some cases by a few hundred dollars
✅ Any buffer built during earlier rate cuts may now be reduced
✅ Many borrowers are now paying more compared to just a few months ago

If you’ve felt like your repayments have crept up recently, you’re not imagining it.

This is one of those moments where it’s worth pausing and asking:
👉 Is my current rate still competitive?
👉 Does my loan still suit my situation today?
👉 Do I understand how these changes affect my borrowing power?

With rates shifting again, staying informed (and proactive) can make a real difference over time.

👉 If you’d like to review your current loan or get a clearer picture of your borrowing capacity, call or message me on 0408 081 082, happy to walk you through it.

06/04/2026

When was the last time you gave your home loan a health check? 🩺💰

Interest rates, lender policies, and cashback offers change all the time. What was a great deal two years ago might not be your best option today. A home loan health check reviews:
🔍 Your current interest rate
🔍 Fees and features you’re paying for (and actually using)
🔍 Whether refinancing could save you money or unlock equity

Even a small drop in your interest rate could potentiall mean thousands saved over the life of your loan.

👉 Call or message me on 0408 081 082 to book your complimentary home loan health check today.

29/03/2026

Moving into your new home? Congratulations! 🏡🎉

Such a huge milestone, and you should absolutely take a moment to enjoy it.

But once the excitement settles, reality kicks in…
There’s a lot to organise. Utilities, internet, mail, insurance... it can feel like a full-time job.

Here are a few simple tips to make the move a bit easier:

🔑 Set up utilities early
Electricity, gas, water, internet — organise these before settlement or move-in day so you’re not left without the basics.

📦 Redirect your mail
Australia Post offers a mail redirection service so nothing important slips through the cracks while you update your address everywhere.

💡 Compare providers, don’t auto-renew
It’s easy to stick with the same providers, but a quick comparison can sometimes potentially save you money on energy and internet plans.

🛠 Check what’s already in place
Some properties already have NBN connections, gas, or existing setups — knowing this upfront can save you time and installation costs.

📋 Create a moving checklist
Write everything down — from changing your address on your driver’s licence to updating your bank details. It keeps things organised and less overwhelming.

Moving into your first home isn’t just about getting the keys, it’s about setting yourself up properly from day one.

👉 If you’ve recently purchased (or you’re about to), and want to make sure your home loan and finances are still working for you, call or message me on 0408 081 082. Happy to help x Kirst

22/03/2026

The RBA has increased the cash rate last week and it’s now sitting at 4.10%.

If it’s been a while since you last checked your home loan, now might be a good time to take a look.

👉 Has your lender passed on the increase?
👉 Do you know what interest rate you’re currently on?
👉 And did you know you can sometimes negotiate with your lender, but not everyone knows how?

A lot can change in a short time, and many homeowners are still on rates that may no longer be as competitive as they once were.

You don’t need to figure it out on your own.

👉 If you’re unsure where you stand or just want a quick check, give me a call or message on 0408 081 082 — happy to have a chat and walk you through it.

Address

Perth, WA
6000

Telephone

+61408081082

Website

http://soulfinancegroup.com.au/

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