Your home loan, sorted.
We're here to make your finance journey feel simple, structured and completely supported. Whether you're buying your first home or growing a portfolio, we'll walk you through every step.
How we can help
We compare loans from 40+ lenders and walk you through every step — no jargon, no pressure.
First Home Buyers
Step-by-step guidance through grants, pre-approval, and finding the right loan from 40+ lenders.
Learn more 📈Investment Loans
Loan structures that support your investment strategy, coordinated with your accountant and adviser.
Learn more 🏢Commercial Loans
Over 20 years of commercial banking experience. Business purchases, property, equipment, and working capital.
Learn more 🚗Asset Finance
Cars, equipment, and business assets. Competitive rates from 40+ lenders with the right structure for your situation.
Learn moreFour steps to clarity
Here's how working with us actually works — no surprises, no runaround.
Chat
We sit down and get to know your situation. Your goals, your finances, what you're trying to achieve. No pressure, no obligation.
Research
We compare options across our panel of 40+ lenders and find the loans that fit your situation — not just the lowest rate.
Apply
We handle the paperwork, manage lender communication, and keep you updated. Liv keeps everything running behind the scenes.
Settle
We stay involved right through to settlement day and beyond. We'll review your loan regularly to make sure it's still working for you.
People who genuinely care
We're a small team, and that's intentional. You'll always know who's handling your loan.
Austin Murphy
DirectorBachelor of Commerce (Finance), Diploma of Finance & Mortgage Broking. Helping clients since 2013 with a background in business banking and accounting. Austin's passion is first home buyers — he'll make sure you understand every step and don't miss a single grant or incentive.
Book with AustinLiam Caldwell
DirectorDiploma of Finance & Mortgage Broking, MFAA member, 20+ years in finance. Founded Calm Finance Co. after 15 years in Big 4 business banking. Liam specialises in commercial, business, and asset finance — structuring debt so it works with your broader strategy.
Book with LiamOlivia (Liv) Gepp
Lending AdministratorLiv keeps everything running smoothly behind the scenes. She supports Austin and Liam with administrative coordination and guides clients through the application process. Known for her calm presence, attention to detail, and reliability.
Real stories, real people
We don't ask for reviews — our clients just leave them.
"Austin made the process from start to finish so smooth. We found a house that we loved and moved quite quickly, selling our current house as soon as we could. Throughout the whole process Austin kept us in the loop with emails and was always contactable if we ever had any questions. We didn't have to worry at all about the finance side of things at all. Thanks very much to Austin and the team at Calm Finance!"
"Liam was incredible - so helpful, calm and communicative. He jumped in to help our lawyers with a tricky settlement, and is a massive legend"
"We are so grateful for the incredible service we received from Calm Finance throughout the process of securing our new home. Liam made everything feel calm, clear and achievable. Nothing was ever too much trouble and he patiently walked us through every step, explained our options in a way we could actually understand. What really stood out was how genuinely invested Liam was in helping us get the best outcome."
"Austin and the Calm Finance team were a pleasure to work with and we are very thankful for all their help along the way. We were very slow at deciding when and where we wanted to buy, but this was never an issue for Austin or the team. Austin helped us closely throughout the entire process of purchasing our first home, and was always very quick to respond to any question and nothing was ever too hard."
"A welcoming and approachable team who went above and beyond to help with our needs. A couple buying their first home together and no question was too big or too small. A special shout out to Austin Murphy for his dedication to us finding our perfect first home."
Ready to get started?
Book a free chat — no pressure, no jargon. Just a straightforward conversation about where you're at and what's possible.
Get in touch