About Calm Finance Co.
We're a Ballarat-based mortgage broking team that believes finance should feel simple, structured, and completely supported.
Our story
Calm Finance Co. started as Sovereign Lending, founded by Liam Caldwell in 2017 after 15 years in Big 4 business banking. Austin Murphy joined in 2019, bringing his background in accounting and a passion for helping first home buyers. The rebrand to Calm Finance Co. in 2025 reflects what clients had been telling us all along — that working with us feels calm.
Today we help 7–10 clients settle every month across Ballarat, Melbourne, Geelong, and the Surf Coast. We compare loans from 40+ lenders through Connective, and we take the time to make sure every client understands their options before making a decision.
Our office is at 622 Sturt Street, Ballarat Central. Drop in, call, or book online — we're always happy to have a conversation.
The people behind Calm Finance
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.
How we work
Clarity over complexity
Finance doesn't have to be confusing. We explain things in plain English and make sure you understand every step before moving forward.
Your interests first
We compare 40+ lenders to find the right fit for you — not the loan that pays us the highest commission. We'll always tell you if staying put is the better option.
Responsiveness
When you have a question or something changes, you'll get a straight answer quickly. We know how stressful waiting can be, so we don't make you chase.
Long-term relationships
We don't disappear after settlement. We review your loan regularly and stay available as your life and finances evolve. Many of our clients come back multiple times.
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