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

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

16/08/2026

Settling on your first property? Here’s what no one tells you:

Getting the keys is exciting, but once the settlement dust settles, homeownership gets very real, very quickly. Besides making extra repayments when you can and using an offset account wisely, here are a few things I’d keep in mind:

🔧 Expect something to break. The oven, air con, hot water system… something will eventually decide it’s your turn. Keep some savings aside specifically for home emergencies.

🎨 Hold off on the big renovations. Live in the property for a few months first. You might hate those walls now, but once you understand how you actually use the space, your renovation priorities can completely change. Paint is cheap. Fixing a bad floor plan isn’t.

🛠️ Bunnings will become your new bestie. And YouTube will convince you that you can fix almost anything. Just know when the job really does need a professional. 😂

💰 Keep building your emergency fund. Owning a home comes with expenses you never had as a renter, and having cash set aside can stop an unexpected repair from becoming a financial headache.

Your first few months of homeownership are about settling in, learning the property and getting comfortable with your new financial rhythm. You don’t need to make the house perfect on day one.

And if you’re still working towards those keys, let’s make sure the finance side is ready when you are.

📞 Call or message 0408 081 082 to chat about your home loan options. xx Kirst

12/08/2026

The RBA has kept the cash rate on hold at 4.35%. So, what does that actually mean for your home loan?

For now, there’s no change to the official cash rate. But that doesn’t mean you should simply put your home loan on autopilot.

Your lender’s rate and the RBA cash rate are not the same thing, and the deal you received when you first took out your loan may no longer be the most competitive option available to you.

If it’s been a while since you reviewed your mortgage, now could be a good time to check:

✅ The interest rate you’re currently paying
✅ Whether your repayments could be improved
✅ How your loan compares with other available options
✅ Whether refinancing could make sense for your situation

Want to know how your current home loan stacks up?
📞 Call or message me on 0408 081 082 and let’s review your options. xx Kirst

02/08/2026

If you’re not locked into a fixed-rate home loan, it’s worth reviewing your mortgage every 12 to 18 months. Why? Because lenders change their offers more often than most people change phones.

Maybe your income’s improved, your equity’s grown, or you’ve just paid down a chunk of your loan. That might mean you're eligible for a better deal — lower interest, better features, or flexible repayments.

Think of it as a “check-up” for one of your biggest financial commitments.

If it’s been a while since you looked at your loan, or you’re wondering whether there’s something better out there, call or message 0408 081 082. Kirst xx

26/07/2026

Thinking about buying your first investment property? Or hoping to help your son or daughter get started?

Here's the thing: You might have what looks like a great deposit, but that doesn't necessarily mean the bank will approve the loan.

Why? Because lenders don't just look at your deposit. They also assess whether they believe you can comfortably repay the loan over the next 30 years.

Even if you're great at managing your money and keep your expenses low, banks use their own servicing calculators. These formulas estimate your living expenses based on factors like your income, household situation, and existing financial commitments, not just what you actually spend.

That's why it's worth speaking to a mortgage broker before you start attending home opens or making offers.

In a short conversation, I may be able to give you a realistic idea of:
✅ Whether you're likely to qualify for a loan
✅ How much you may be able to borrow
✅ What you can do to improve your borrowing power if needed

A little planning upfront can save you time, disappointment, and help you shop with confidence.

📞 Thinking about buying your first investment property or helping your child get into the market? Call or message 0408 081 082 today xx Kirst

19/07/2026

🏡 5% OR 10% DEPOSIT WITH NO LMI; IS YOUR OCCUPATION ON THE LIST?

Saving a 20% deposit can take years, but your profession could help you enter the property market sooner.

Some lenders offer occupation-specific home loan policies that waive Lenders Mortgage Insurance, allowing eligible professionals to purchase a home with a deposit as low as 5% or 10%.

Check out the eligible occupations >>>

Depending on your occupation and the lender’s policy, the waiver may be available when purchasing a home to live in or an investment property.

Being on the list does not automatically guarantee approval. Your income, professional registration, employment history, deposit, property and overall financial position will still need to meet the lender’s criteria.

However, it could mean avoiding thousands of dollars in LMI and purchasing your property sooner than you expected.

Are you one of these professionals? Let’s check which lenders and occupation-specific options may be available to you.

📞 Call or message me on 0408 081 082.

12/07/2026

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 potentially 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.

06/07/2026

Thinking about buying this coming spring? Let’s get your pre-approval sorted.

Having pre-approval in place early means you’ll know your borrowing range and stay ready when the right property appears.

It’s not about rushing — it’s about being prepared so you can move with confidence when opportunity knocks.

👉 Call or message 0408 081 082 to chat about getting your pre-approval organised before spring ends.

29/06/2026

🏡 It's EOFY... but when was the last time you gave your home loan a check-up?

June isn't just about tax returns. It's also the perfect time to take a step back and review one of your biggest financial commitments, your home loan.

Before 30 June, here's a simple homeowner checklist:
✔️ Do you know what interest rate you're currently paying?
✔️ Is your home loan still suited to your needs and goals?
✔️ Are you making the most of features like an offset or redraw facility?
✔️ Have you reviewed your home insurance recently?
✔️ Are you planning to buy, renovate, refinance, or invest in the next 12 months?

You don't have to wait until something changes to review your loan. Sometimes, a quick conversation is all it takes to understand where you stand and whether your current loan is still working for you.

A new financial year is just around the corner. It's a great opportunity to start it with confidence.

👉 If you'd like a complimentary home loan health check, call or message me on 0408 081 082. Let's see if your mortgage is still doing the job you need it to.

Address

Perth, WA
6000

Telephone

+61408081082

Website

http://soulfinancegroup.com.au/

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