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.

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. 😏

Loyalty is a great quality. But when it comes to your home loan, staying with the same bank or lender just because it’s...
03/06/2026

Loyalty is a great quality. But when it comes to your home loan, staying with the same bank or lender just because it’s familiar may not always be the best strategy.

Different lenders can assess your income, expenses, deposit, goals and borrowing capacity differently. They all have different policies and opportunities. So before you stick with what you know, it’s worth checking what else may be possible.

A well structured home loan should support where you’re heading, not just where you’ve been. We have a panel of over 30+ lenders that we help you choose from.

Nathan Lewis
Sona Financial

01/06/2026

Your bank sees one policy. A broker sees options. That's the difference.

I don’t often get asked this question, but it’s one of the areas where a good mortgage broker can bring real value.What ...
01/06/2026

I don’t often get asked this question, but it’s one of the areas where a good mortgage broker can bring real value.

What is an assessor actually looking for?

An assessor is not just looking at the headline numbers, although of course they matter.

They are looking at the quality of the deal.

That means understanding your income, liabilities, spending, loan structure, policy fit, and whether the story behind the application has been explained clearly enough to support a confident decision.

Every lender has their own policies, and every application has its own details.

A strong application is not just about ticking boxes. It is about presenting the right information, in the right way, to the right lender.

That is where good advice and experience can make a real difference.

Thinking about your next investment?For many couples and families, investing in property is not a one-off decision. It i...
17/05/2026

Thinking about your next investment?

For many couples and families, investing in property is not a one-off decision. It is part of a bigger financial picture.

We work with clients at different stages of the journey. Some are buying their first investment property. Some already own one or more and are thinking about what comes next. Others know they want to invest in the future and are planning their first home purchase with that longer-term goal in mind.

The right lending structure can make a real difference to what is possible later.

Before you make your next move, it is worth understanding your current position, your borrowing options, and how your lending can support your longer-term plans.

At Sona Financial, we help couples and families make clear, considered lending decisions with strategy at the centre.

Thinking about your next investment? Speak with our experienced mortgage advisor.

Thinking about your next move?Whether you’re refinancing, upgrading, investing, or simply wanting to understand your opt...
15/05/2026

Thinking about your next move?

Whether you’re refinancing, upgrading, investing, or simply wanting to understand your options, the right advice can make a real difference.

At Sona Financial, we help you look beyond the rate and consider the structure, strategy and long-term fit of your lending.

Speak with our experienced mortgage advisor and get clear on what is possible before you make your next decision.

Get in touch with Sona Financial today.

A home loan should do more than get you approved.It should support where you are now, where you’re heading next, and the...
13/05/2026

A home loan should do more than get you approved.

It should support where you are now, where you’re heading next, and the bigger financial decisions that sit around it.

At Sona Financial, we work with clients who want clear guidance, smart structure and someone in their corner when lending decisions matter.

Whether you’re refinancing, upgrading, investing, self-employed, run a business, or navigating a more complex financial situation, we help make the process clearer and more strategic.

Client feedback like this means so much.Clear communication, understanding each client’s goals, and helping them feel co...
13/05/2026

Client feedback like this means so much.

Clear communication, understanding each client’s goals, and helping them feel confident in their finance decisions is exactly what Sona Financial aims to deliver.

Thank you for the kind words and trust.

"Can’t recommend Nathan highly enough. Clear, concise, open communication and understanding his clients’ needs and goals are Nathan’s strengths."

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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