Sydney Mortgage Broker | Refinance Strategy | Property Investment Loans
Soren Financial is a Sydney mortgage brokerage focused on helping clients make better long-term decisions with their lending.
Most people don’t revisit their home loan unless something forces them to. By that point, they’ve often overpaid interest for years or ended up in a structure that limits what they can do next, that’s usually where we come in.
Meet Our Experts
Mansour Soltani
Founder CEO
Mansour Soltani leads Soren Financial, working with clients across home loans, refinancing and property investment. His approach is direct. Say what’s actually going on, call out what doesn’t stack up, and structure things properly from the start. Clients come to him for clear advice, not a sales pitch. A regular media contributor, he has provided commentary to outlets including ABC, Domain and Australian Broker, sharing insights on lending strategies and property market trends. He holds a Certificate IV and Diploma in Finance and Mortgage Broking and has received multiple 5-star Google reviews.
Kylie Soltani
Co- Director
Kylie works with first home buyers across Sydney, along with clients navigating more complex scenarios like bridging finance and overseas income. She’s known for cutting through the noise, giving clients a clear view of what’s possible, how lenders will assess them, and how to structure things properly from the start, especially when grants or schemes are involved. Kylie holds a Certificate IV and Diploma in Finance and Mortgage Broking and has received multiple 5-star Google reviews. Her approach is simple: be clear, be thorough, and make sure there are no surprises.
Alvin Domingo
Senior Credit Analyst
Alvin Domingo is the engine behind the scenes at Soren Financial. As Senior Credit Analyst, he brings over a decade of experience across residential, SMSF and commercial lending, and he’s the one making sure deals actually get done. He has a sharp eye for detail and a deep understanding of lender policy, which means he knows how to position even complex scenarios properly from the start. The result is fewer delays, fewer surprises and a much higher chance of approval. If something can be structured, Alvin will find a way.
Joy Butac
Credit Analyst
Joy Butac keeps everything moving. She manages the process from initial assessment through to settlement, handling lodgements, lender communication and ongoing pricing requests to make sure clients aren’t left paying more than they should. She’s highly organised, proactive and across every file, which means issues get picked up early and dealt with quickly. For clients, that translates to a smoother experience and confidence that nothing is being missed behind the scenes.
It’s Rarely About the Rate Alone
A lot of clients come to us thinking they just need a sharper rate. Sometimes that’s true. But more often, the issue sits underneath that.
Focusing only on interest rate is like choosing a car based on fuel price alone.
You might save a bit at the pump, but if:
- The engine is inefficient.
- You’re driving it the wrong way.
- Or it’s not suited to how you use it.
You’ll burn more fuel overall. Your loan structure is the engine. The rate is just the fuel price.
We regularly see loans split in ways that no longer make sense:
- Your pay or cash sitting outside offset accounts or having an offset instead of a redraw on an owner-occupier.
- Clients holding multiple properties without a clear structure tying everything together.
- Not managing the capital growth/viability on a property for years.
- Loan terms not being reduced or managed (a big one that we see which costs you the most in the long term)
- Not splitting your loan in times of uncertainty when rates are on an upwards trend.Paying your mortgage monthly
- Only paying the minimum required payment
- Making sure your investment purchase is in the right purchasing vehicle with the right lender.
Fixing these above items has a much bigger impact than chasing a slightly lower rate.
How We Approach Refinancing?
We very rarely refinance a client by pushing out their loan term back to 30 years, even a rate decrease is available. If a client is already in a strong position, our recommendation is to push the savings from a rate decrease back into the loan to reduce your loan term. Shaving even a year off your loan term will save you 40k on a typical 800k loan. This is now money going to your retirement instead of the banks profit reports and dividends to shareholders.
Where there’s an opportunity, a proper refinance strategy can reduce total interest over time, improve flexibility around repayments and access to funds, and set things up properly for the next purchase.
Sometimes that means renegotiating with the current lender. Sometimes it means moving.
Sometimes it means doing nothing at all, we will never recommend moving your loan unless there is a significant financial benefit, and it has been clearly presented to you for approval.
Property Investment Loans Without the Guesswork
A lot of people start investing in property without a clear plan. They buy what they can, when they can, with the minimum due diligence carried out. This becomes evidently clear in the years to come when the property has barely kept up with inflation.
The problem is that lending doesn’t work that way long-term. We help clients think a few steps ahead. How today’s purchase affects borrowing capacity later. How to structure lending so it doesn’t box you in. When to release equity and when to leave it alone.
This becomes more important with each additional property.
We Explain Things Properly
Most borrowers sign loan documents without fully understanding what they’ve set up.
We don’t expect clients to know everything, but we do think they should understand what
they’re committing to. So we take the time to walk through how lenders actually assess income, where interest builds up over time, and what small structural changes can make a meaningful difference.
It’s the same approach we use in our finance education sessions with corporate teams across Sydney.
What Happens After Settlement Matters More?
Getting a loan approved is one part of the process. What matters more is what happens in the years after. Rates change, policies and lending appetites shift but more importantly yourposition evolves.We stay involved so clients aren’t left trying to work out when or if they should act.
Sometimes it’s a refinance. Sometimes it’s a pricing request. Sometimes it’s a restructure and cutting years off your loan.
Who Typically Works with Us?
Soren Financial holds accreditation with a panel of over 45 lenders that cover all major lenders such as NAB, CBA, Macquarie Bank ANZ and Westpac Group. Soren Financial also work with lo doc lenders, SMSF & asset finance specialists as well as private lenders. Most of our clients are professionals, business owners, and investors.
They’re usually upgrading homes, restructuring existing lending, buying their first home or building a property portfolio over time.
They’re not just looking for the cheapest option. They’re looking for something that makes sense.
