Calm Finance Co.

Calm Finance Co. is a finance and commercial brokerage based in Ballarat, founded in 2025. It previously operated under the Sovereign Lending brand for eight years. The team has over 30 years of combined experience in finance and professional services. Liam Caldwell is a Director and brings over two decades of experience in the finance industry.

He started Sovereign Lending in 2017 after 15 years working in business banking. Austin Murphy is a Director and has been part of the professional services industry since 2013; he joined the team in early 2019. Olivia Gepp is a Lending Administrator and joined the team in 2023. The main services include home loans, investment loans, commercial and business loans, and asset finance.

Purchasing a first property is the project that recurs throughout feedback for this Ballarat finance brokerage, and the experiences described centre on how manageable that milestone was made to feel. Austin is named most often, credited with financial advice about buying a first home and with breaking down options into language that was easy to follow, staying in contact from the early conversations through to the day keys changed hands. Liam also features regularly, associated with efficient replies and knowledgeable support. An observation shared by more than one reviewer is the strength of communication, with questions answered promptly and updates provided without prompting, before and after the paperwork was completed.

A handful of customers describe the loan process as smooth and free of the stress they had anticipated, and credit the team with taking time to understand individual circumstances and securing lending that suited their needs. The professional and approachable manner of the staff is another consistent theme, along with the sense that clients felt supported at every stage of their purchase. Reviewers also highlight how quickly enquiries were handled, making the whole experience straightforward rather than overwhelming for those buying for the first time.