Natalie Spence - Coast Finance Group

Natalie Spence - Coast Finance Group Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Natalie Spence - Coast Finance Group, Financial Consultant, 1/14-18 Belford Street, Newcastle.

Finance fatigue is real. It’s easy to feel overwhelmed by headlines about inflation and interest rates, and right now, t...
28/05/2026

Finance fatigue is real. It’s easy to feel overwhelmed by headlines about inflation and interest rates, and right now, those headlines aren’t wrong. The RBA has raised rates three times already in 2026, with inflation sitting at 4.6% and potentially peaking higher before it eases.

But national headlines don’t tell your individual story.

In Newcastle, the rental market remains one of the tightest in regional NSW. Vacancy rates are sitting around 1%, well below the 2% threshold that signals a high-pressure market. The lifestyle shift that’s been driving demand here for the past several years is still very much alive.

What that means for you depends entirely on your numbers. Your equity, your borrowing capacity, your timeline, and your goals. In a rising-rate environment, strategy matters more than ever.

My advice? Let’s grab a coffee and look at what the current conditions actually mean for your specific situation.

📞 02 4062 8899
📱 0413 442 508
📧 [email protected]
🔗 www.coastfingroup.com.au/

Reviews like this never get old 🤍Helping clients navigate the finance process with confidence and clarity is exactly why...
14/05/2026

Reviews like this never get old 🤍

Helping clients navigate the finance process with confidence and clarity is exactly why we do what we do. Thank you for your kind words and trust in myself, Nivek and the Coast Finance team. We’re so grateful to have been part of your journey.

The Reserve Bank this week increased the cash rate to 4.35%, a move many expected following recent inflation data, but t...
07/05/2026

The Reserve Bank this week increased the cash rate to 4.35%, a move many expected following recent inflation data, but that doesn’t make the impact any easier for households already feeling the pressure.

For many Australians, it’s another reminder that the cost of living remains high, repayments may rise again, and financial decisions can suddenly feel overwhelming. It can be a challenging time, particularly for families trying to balance mortgages, rent, groceries, and everyday expenses all at once.

If you’re unsure what this means for your home loan, your borrowing power, or your financial plans moving forward, now is the time to ask questions. Sometimes a simple review of your current loan structure or repayments can make a meaningful difference. Reach out for guidance, support, and advice tailored to your situation.

📞 02 4062 8899
📱 0413 442 508
📧 [email protected]
🔗 www.coastfingroup.com.au/

Infrastructure = Opportunity. Between the Newcastle Airport expansion and the rapid growth of business hubs in Charlesto...
30/04/2026

Infrastructure = Opportunity. Between the Newcastle Airport expansion and the rapid growth of business hubs in Charlestown and Morisset, the Lake Macquarie commercial landscape is transforming fast.

We are seeing a major surge in “Owner-Occupied” commercial lending. Why keep paying a landlord’s mortgage when you can secure your own warehouse or office space with as little as a 10% deposit through specific commercial products?



📞 02 4062 8899
📱 0413 442 508
📧 [email protected]
🔗 www.coastfingroup.com.au/

Today we pause to remember the courage and sacrifice of our servicemen and women.Living in a city with such a rich milit...
24/04/2026

Today we pause to remember the courage and sacrifice of our servicemen and women.

Living in a city with such a rich military history from the iconic Fort Scratchley to the RAAF base at Williamtown, Anzac Day holds a special place in our hearts here in Newcastle.

Our office will be closed today and for the public holiday on Monday. We’ll be back in the office on Tuesday.

Did you know that 2026 is becoming the year of the Family Guarantee? With prices in suburbs like Eleebana and Warners Ba...
16/04/2026

Did you know that 2026 is becoming the year of the Family Guarantee? With prices in suburbs like Eleebana and Warners Bay sitting around the $1.1M–$1.3M mark, we’re seeing more local families using their equity to get the next generation into the market.

If you have equity in your family home, you could help your kids bypass the Lenders Mortgage Insurance (LMI) trap without needing to hand over a cash deposit. It’s a strategic move that keeps wealth in the family and gets them into their first home sooner.

Want to see if this structure works for your family? Let’s have a chat and map out the best path forward.

📞 02 4062 8899
📱 0413 442 508
📧 [email protected]
🔗 www.coastfingroup.com.au/

With under 90 days until the end of the financial year, the window to make moves that actually impact your tax return is...
10/04/2026

With under 90 days until the end of the financial year, the window to make moves that actually impact your tax return is closing.

Swipe through to see my 3-step checklist to save money (and stress) before July hits.

A quick review right now can save you thousands. Don’t leave your planning until the June rush!

📞 02 4062 8899
📱 0413 442 508
📧 [email protected]
🔗 www.coastfingroup.com.au/

Happy Easter 🐰 We’ll be back in the office on Tuesday 7th April, ready to help with your home loans, refinancing, or an...
03/04/2026

Happy Easter 🐰 We’ll be back in the office on Tuesday 7th April, ready to help with your home loans, refinancing, or any finance questions you’ve been putting off.

Our team at Coast Finance Group has a combined experience of over 50 years, so you can trust our advice to help you reac...
12/03/2026

Our team at Coast Finance Group has a combined experience of over 50 years, so you can trust our advice to help you reach your financial goals. From home loans, investment property, refinancing, or commercial finance, we’re here to guide you with practical solutions tailored to your needs.

📞02 4062 8899
📱 0413 442 508
📧 [email protected]
🔗 www.coastfingroup.com.au

Self-Managed Super Fund lending can be a powerful way to invest in property for your retirement growth, but it’s not as ...
12/03/2026

Self-Managed Super Fund lending can be a powerful way to invest in property for your retirement growth, but it’s not as simple as a standard loan. There are specific rules and legislation around borrowing, property ownership, and super contributions that need to be followed closely to stay compliant with Australian super laws.

🏡 The property must be for the fund only, lenders usually require a larger deposit than a standard home loan, and repayments are made from the SMSF itself, not your personal income.

💰 Many people also don’t realise that SMSF lending can work for residential or commercial property, giving you more flexibility in building your retirement portfolio.

Getting advice early is essential. Even a quick chat can help you understand what’s possible for your situation and avoid costly mistakes.

📞 02 4062 8899
📱 0413 442 508
📧 [email protected]
🔗 www.coastfingroup.com.au/

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1/14-18 Belford Street
Newcastle, NSW
2292

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