Soul Finance Group - Kirsten Nazzari

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Soul Finance Group - Kirsten Nazzari

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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 situation 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

25/10/2026

My Top 5 Horror Stories as a Mortgage Broker in Australia 👻🏡

Forget haunted houses. These mortgage nightmares are scary enough!

🎃 1. Falling in love with a house before checking borrowing capacity.
Dream home found. Offer made. Loan declined. Now the deposit could be at risk.

👻 2. Staying loyal to the same bank for 15 years.
Never questioned the interest rate. Potentially thousands in savings left on the table.

🧟 3. Taking out a car loan right before settlement.
Home loan approved. New car purchased. Borrowing capacity changes. Settlement suddenly at risk.

🕸️ 4. Refinancing into a fresh 30-year loan. Again.
Lower monthly repayments sound great, until you realise extending the term could cost you thousands more in interest.

💀 5. Putting every last dollar into the deposit.
Got the keys on Friday. Hot water system broke on Monday. Emergency savings? $0.

The real horror? These situations are often avoidable with the right planning.

Before buying, refinancing, or making a big financial decision, let's make sure your mortgage doesn't become your next nightmare.

📞 Call or message 0408 081 082 and let's take the fright out of your finances! 🎃 x Kirst

18/10/2026

Still loyal to your bank in 2026? Your home loan might deserve a second opinion. 👀

With interest rates back in the spotlight, more homeowners are questioning whether their current lender is still giving them a competitive deal.

And with digital-first banks like Up and Ubank, along with smaller lenders offering alternatives to the traditional big banks, it's worth exploring what else is out there.

But before you make the switch, here are a few things I'd encourage you to consider:

✅ Look beyond the interest rate. Compare fees, offset accounts, redraw facilities and other loan features. A lower advertised rate doesn't always mean a better deal overall.

✅ Consider how you prefer to bank. Digital convenience is great, but if you value face-to-face support or branch access, make sure your new lender can meet your needs.

✅ Understand the cost of switching. Refinancing can involve discharge fees, application costs, and other expenses. You'll want to know whether the potential savings outweigh the costs.

✅ Give your current lender a chance to compete. Sometimes, negotiating a more competitive rate with your existing bank could save you the hassle of refinancing altogether.

Here's something I always remind homeowners: Just because you've been with your bank for 10 or 15 years doesn't mean you have to stay for another 10.

Your financial circumstances change. Interest rates change. Lenders change their offers. Your home loan should be reviewed regularly to make sure it still suits you.

And the good news? You don't have to compare everything yourself.

I can review your current mortgage, negotiate with your existing lender, and explore other options to see what makes financial sense for you.

📞 Call or message me on 0408 081 082. x Kirst

11/10/2026

Eyeing a Tesla? ⚡🚗 Let’s talk about how you’re going to finance it.

Maybe you’ve been thinking about upgrading your car for a while. You’ve done the research, compared EVs and somehow keep finding yourself back on the Tesla website building your ideal one. 👀

Before you hit order, it’s worth getting the finance side sorted.

I can help you explore car finance options for your EV purchase, looking at different lenders, loan structures, repayments, and terms to find an option that suits your budget and circumstances.

Because the excitement of upgrading shouldn’t distract you from the numbers.

Before committing, we can look at:

⚡ How much you can comfortably borrow
🚗 What your repayments could look like
💰 Different loan rates and structures available to you
📆 A loan term that works with your budget
🔍 The overall cost of the finance, not just the monthly repayment

Whether you’ve already picked the Tesla you want or you’re simply thinking it might finally be time to go electric, talk to me before you commit to the finance.

You choose the car. I’ll help you explore the finance options to get you behind the wheel.

📞 Call or message me on 0408 081 082 to chat about car finance. x Kirst

04/10/2026

Is your lender passing on the latest RBA rate hike? 👀🏡

The RBA raised the cash rate by 0.25% to 4.60% in September, and lenders are now responding.

So far, CommBank, Westpac, NAB, and ANZ have all confirmed they’ll pass on the full 0.25% increase to variable home loan customers from 9 October. Macquarie is also increasing variable rates by 0.25% from 15 October, while Teachers Mutual Bank and its associated brands will increase theirs from 8 October.

What does that actually mean for your mortgage?

If you have a variable home loan and your lender passes on the increase, your interest rate and required repayments are likely to rise.

But here’s the part I want homeowners to pay attention to:
Your lender increasing your rate doesn’t mean you have to automatically accept that your current deal is the best available to you.

This is a good time to ask:
🏡 What rate am I actually paying now?
💰 How much will the increase add to my repayments?
📞 Can my existing lender offer me a more competitive rate?
🔄 Is there another lender or loan structure worth considering?

Sometimes I can negotiate with your existing lender. Other times, it may be worth looking at refinancing. And sometimes, after reviewing everything, staying exactly where you are may still make sense. The important thing is to know your options rather than simply letting your mortgage run on autopilot.

Not sure whether your lender is passing on the increase or what it means for your repayments? Call or message me on 0408 081 082. Let me review your home loan and see what options are available. x Kirst

29/09/2026

The RBA increased the cash rate by 0.25% to 4.60%, the fourth rate rise of 2026.

For homeowners, I know another rate rise is probably the last thing you wanted to hear, but here’s what I don’t want you to do: automatically accept a higher repayment without checking whether you could be getting a better deal.

Now is the time to look at your home loan and ask:
✅ What interest rate am I currently paying?
✅ Is my lender still offering me a competitive rate?
✅ Could I negotiate a better rate with my existing lender?
✅ Would refinancing make sense for my situation?
✅ Could restructuring or consolidating other debts improve my overall cash flow?

Interestingly, even while the cash rate has been under pressure, competition between lenders has remained strong, with some lenders reducing variable rates to attract new borrowers; that’s why I wouldn’t assume a rate rise means you simply have to sit back and pay more.

You can’t control what the RBA does but you can make sure your home loan is still working as hard as possible for you.

Let me review your current loan, negotiate with your lender, and explore whether there are more competitive options available. Call or message me on 0408 081 082. Let’s see what we can do with your mortgage. Kirst xx

20/09/2026

Quick question: What interest rate are you currently paying?

If you had to open your banking app to find out, it might be time for a review. Your lender isn’t necessarily going to call you and offer you a more competitive rate. Sometimes, you have to ask.

That’s where I come in.

Let me review your current home loan and negotiate with your existing lender on your behalf to see whether they can offer you a more competitive interest rate. And if staying put doesn’t stack up, we can explore what other options may be available.

We spring clean our homes, clear out the cupboards, and finally deal with all those things we’ve been putting off. So while you’re at it, give your biggest financial commitment a clean-up too.

Call or message me on 0408 081 082 and let’s review your home loan. xx Kirst

13/09/2026

5 things I’ve seen people say they wish they knew before buying their first home:

There’s plenty of advice about how to buy your first home. But some of the most useful advice comes from people who have already done it.

Here are five lessons worth keeping in mind:

1. Don’t automatically treat your first home as your forever home.
Think about how the property could work for you in the future too. Location, resale appeal, potential rental demand and room for growth can matter if your circumstances change.

2. Budget for the costs that keep coming after settlement.
Council rates, insurance, repairs and general maintenance can increase over time. Give yourself a buffer rather than budgeting around the mortgage repayment alone.

3. Consider requesting a professional clean before settlement. 🧹
Depending on your contract and what can be negotiated, you may be able to request cleaning conditions. Moving day is stressful enough without discovering you need to scrub the house before unpacking.

4. Don’t empty your savings account just to maximise your deposit.
The moment you become the owner, the broken air con, leaking tap, or unexpected repair becomes your responsibility. Keep an emergency buffer and understand what your home insurance will actually cost.

5. If your budget allows, consider getting ahead on your mortgage early. 💰
Making additional repayments early in the life of an eligible loan can reduce the principal sooner and potentially save interest over the long term. Just make sure you understand your loan’s rules around extra repayments.

Buying your first home is exciting, but getting the mortgage approved is only part of the financial picture. I can help you look at the numbers so you’re preparing for homeownership, not just preparing for settlement.

Call or message me on 0408 081 082 to discuss your home loan options. xx Kirst

06/09/2026

A high income doesn’t always mean financial freedom.

I recently saw a discussion that really stuck with me. It was about a higher-income household that had stretched into a large home and a large mortgage, only to realise later that the decision had quietly changed everything else they wanted to do financially.

They could still make the repayments, but other goals such as travelling, investing and building more flexibility into their life had started to feel much harder to reach.

That is how lifestyle creep can show up.

As income grows, it can become easier to justify a bigger home, nicer cars and higher ongoing expenses. The problem is that your lifestyle can expand just as quickly as your income does.

And suddenly, earning more does not necessarily mean feeling more financially comfortable.

This is why I always think there is a difference between what you can technically afford and what still gives you room to live the life you want.

A lender may approve you for a certain amount, but that does not mean you need to borrow to the maximum.

If your mortgage leaves little room for travel, investing, savings, or simply having breathing space each month, it may be worth reviewing whether your current loan structure is still working for you.

And if you are already feeling financially stretched, there may still be options through refinancing, restructuring, debt consolidation or negotiating with your existing lender.

Your mortgage should support your lifestyle, not consume it.

📞 Call or message me on 0408 081 082 and let’s look at what options may be available to you. xx Kirst

30/08/2026

5 financial hills I’ll die on: Mortgage Edition 🏡💰

After helping people navigate home loans, refinancing, and everything in between, there are a few things I’ll happily stand my ground on:

1. Loyalty to your lender doesn’t always pay.
You might have been with the same bank for years, but that doesn’t automatically mean you’re getting their most competitive rate. Review your loan regularly and ask the question.

2. The lowest interest rate isn’t automatically the most competitiv home loan.
Fees, loan features, flexibility, offset accounts and your longer-term plans all matter. A great-looking rate can be less attractive once you look at the whole loan.

3. You don’t necessarily need a 20% deposit to buy a home.
Depending on your circumstances, there may be lending options or government schemes that allow you to purchase with less. The important part is understanding the costs and trade-offs before deciding.

4. Your borrowing capacity and your comfortable budget are two different numbers.
Just because a lender may approve you for a certain amount doesn’t mean you need to spend every dollar of it. Your mortgage still needs to work alongside the life you actually want to live.

5. Waiting for the “perfect” time can keep you waiting forever.
Rates change. Property prices change. Lending policies change. Instead of trying to perfectly time the market, find out what makes sense based on your finances and goals today.

Those are my mortgage hills. 😂🏡

If one of these has you wondering whether your current home loan or borrowing strategy could be better, let’s have a look at your options.

Call or message me 0408 081 082 xx Kirst

23/08/2026

With all the ongoing conversations about the economy, property prices, and home loan interest rates, I keep coming back to the same questions: What’s the right move? What’s the wrong move?

The truth is, there isn’t one answer that works for everyone. But there are things you can do right now instead of simply waiting to see what happens next.

✅ Consolidate your debts.
Bringing multiple debts together may help simplify your repayments and potentially reduce the interest you’re paying.

✅ Review and refinance your home loan.
The rate you got a few years ago may not be the most competitive rate available to you today. It’s worth finding out.

✅ Thinking of buying? Start exploring your options now.
If purchasing a property is already in your plans, getting your finance organised now could put you in a stronger position to buy and potentially be settled into your new home by Christmas 2026.

✅ Let me negotiate with your existing lender.
Refinancing isn’t always the answer. Sometimes, a conversation with your current lender could lead to a better rate without having to move your loan elsewhere.

What I’m saying is: you have options.

What I’m recommending is that you don’t try to figure out which option makes sense on your own. Let me look at your current position, explore what’s available and help you work out your next move.

Call or message me on 0408 081 082. xx Kirst

Address

Perth, WA
6000

Telephone

+61408081082

Website

http://soulfinancegroup.com.au/

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