Previously Sovereign Lending.
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ABOUT US
New Name. New Logo. Same Great Service.
Calm Finance Co. was founded in 2025, following eight successful years operating under the Sovereign Lending brand. During that time, our team built a strong reputation for helping people achieve their financial goals with clarity and confidence.
At Calm Finance Co., we’re more than just mortgage brokers - we’re lending specialists. We work closely with you to deliver tailored financial solutions that align with your goals and dreams.
Our approach is simple: we put relationships first. Your needs are at the heart of everything we do, and we pride ourselves on offering a calm, supportive experience from start to finish.
Whether you're buying your first home, expanding your investment portfolio, or financing your next business venture, we’re here to help. Our specialties include:
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Home Loans
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Investment Loans
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Commercial & Business Loans
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Asset Finance
With over 30 years of combined experience in finance and professional services, our team is ready to guide you with expertise, integrity, and care.
Liam Caldwell
Director
Phone: 0409 368 883
Email: liam@calmfinanceco.com.au
Liam brings over two decades of experience in the finance industry, having launched his career with one of the Big 4 banks in the early 2000s. Since 2017, he has focused on lending, developing deep expertise in commercial and asset finance. Whether you're a business owner seeking tailored finance solutions or a family navigating the home loan process, Liam’s knowledge and approachable style make him a trusted partner every step of the way.
Liam started Sovereign Lending in 2017 after 15 years working in business banking. He uses his extensive commercial lending experience to tailor solutions to clients' business or personal needs.
Austin Murphy
Director
Phone: 0437 756 077
Email: austin@calmfinanceco.com.au
Austin has been part of the professional services industry since 2013 and joined our team in early 2019. Known for his meticulous attention to detail, Austin ensures every client interaction is handled with care and precision. His expertise lies in home and investment lending, with a particular passion for helping first home buyers navigate the property market. Austin has become a trusted guide for clients looking to take their first step onto the property ladder, offering clear advice and helping them make the most of available government programs and incentives. His approachable nature and deep knowledge make him a valuable asset to both our team and the clients he supports.
Austin joined the Sovereign Lending team in April 2019, having worked in business banking and accounting previously. Austin works hard to build strong relationships with clients and provide a solution-focused experience, where his clients' needs are the only focus.
Olivia Gepp
Lending Administrator
Email: olivia@calmfinanceco.com.au
Since joining the team in 2023 from a retail background, Olivia - known to us all as Liv, supports both Liam and Austin with seamless administrative coordination, while also guiding clients through every step of the application process. Liv’s calm presence, attention to detail, and unwavering reliability ensure that everything runs smoothly behind the scenes.
Olivia is our newest team member, having joined in June 2023. Olivia comes from a retail background and has quickly found her feet in the finance industry, where she supports Liam and Austin in completing administrative tasks with a strong attention to detail.
WHY CHOOSE US
We'll find the solution for you!
At Calm Finance Co., we are not motivated by anything other than your needs and objectives. What does this mean? It means you can be assured that the advice provided is in your best interests and will help you achieve your financial dreams. We will educate you to ensure you fully understand the lending process, as well as the specific features of any product we recommend.
What our clients say...
‘Sovereign Lending has been an absolute lifesaver for me. When I was looking to refinance my mortgage, I was overwhelmed by all the options and paperwork. Thanks to Liam Caldwell and his team at Sovereign Lending, I not only refinanced my mortgage with ease but also gained a sense of trust and confidence in the financial industry. If you're looking for a trustworthy, efficient, and customer-focused lending company, I wholeheartedly recommend Sovereign Lending.’
David
'Austin and the team at Sovereign Lending are amazing. The team showed their experience in lending, providing us with the financial assistance we needed to build our new home. The care and expertise of the team was obvious by their constant communication, while making the process as easy as they could for us. We would recommend the Sovereign Lending team to everyone.'
Nathan
‘My wife and I have engaged Sovereign Lending for several years now and cannot speak more highly of the staff and the business that they offer. The staff are professional, knowledgeable and provide a service where the process of getting a home loan was made so much easier. If you are looking to refinance or seeking a home loan, we sincerely recommend Sovereign Lending - for if it weren't for them, I don't think we would be in the position we are today.’
Tom
Services
We pride ourselves on delivering personalised service based on your financial needs.
Whether you’re a first home buyer, purchasing a new residential or investment property, looking to refinance your home loan or seeking a solution for your commercial lending, we have extensive experience in all things lending, including:
Residential Home Loans
We understand that owning your dream home is a significant milestone. As your dedicated lending specialists, we're here to make your journey a breeze.
Whether you are a first home buyer, or looking to upgrade to that forever home, you will experience our expert guidance every step of the way.
If you're looking to refinance or access your equity for a worthwhile purpose, we will provide you with the best solution to help you unlock even more value from your property.
Investment Loans
Are you a seasoned investor? Or just starting on your investment journey? Either way, we're here to maximize your returns and help you unlock the potential of the property market. Let us be your partner in building a thriving investment portfolio.
We will work with your financial adviser or accountant to make sure any loan is structured in line with all your financial goals and provide solutions to help you optimize your investment strategy.
Commercial Loans
Your business ambitions require financial solutions. As your dedicated commercial lending specialists, we're here to fuel your growth and success.
Our commercial lending options are designed to empower entrepreneurs like you. Whether you're starting a new venture, expanding operations, or investing in commercial real estate, we have the expertise and resources to help you make it happen.
With us by your side, you'll benefit from a strong relationship focus, using our expertise to meet your needs.
Asset Finance
Having the right assets is essential for your business's success. We're here to help you acquire the tools and equipment you need to thrive.
Our asset finance solutions are tailored to suit your unique requirements. Whether you're looking to upgrade machinery, invest in technology, or expand your fleet, we've got you covered.
Let us be the catalyst for your business' progress. Together, we'll turn your aspirations into tangible assets that drive your success.
Not sure what kind of loan you need?
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you the money on the interest and fees, or potentially help you maximixe your tax benefits.
Not sure what kind of loan you need for your current financial circumstances? That's our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you the peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
CALCULATOR
Use our mortgage calculators to estimate how much you can borrow.
We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input.
Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.
You should always discuss your individual circumstances with a representative of Calm Finance Co before placing your deposit or purchasing any property.
CONTACT US
Get in touch today
When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.
We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.
Please get in touch with us today.
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