Urgent? Funding available within 2 business days across 90+ lenders. Call 0401 222 353
Settled With Joe
0401 222 353

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Every conversation is obligation-free. Tell us what you need and Joseph Farhat and his team will come back to you with an honest view of what is available, including if the answer is no.

We're here to help.

Settled With Joe is a specialist commercial and personal finance broker based in Sydney, working with borrowers Australia-wide. We match your situation to the right lender from our panel of 90+ bank, non-bank, and specialist institutions.

Call Us0401 222 353EmailOfficeSydney, NSW
HoursMonday to Friday, 9am to 5pm
Settled With Joe finance brokers with clients

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Enquiring won’t affect your credit file. All details are secure, encrypted, and confidential.

★★★★★ 5.0 on Google90+ lendersUsually no direct cost to you
★★★★★Joseph Alam
He came from a place of understanding
Getting a loan was difficult for me but not only did Joe get the loan done, he came from a place of understanding. Highly recommend and when I need to refinance at any stage I know who to see.
★★★★★Will M
Great experience from start to finish
Great experience from start to finish. Joe was professional, responsive and transparent throughout the entire process. He explained everything clearly and made it easy to move forward with confidence. Highly recommend for anyone looking for reliable and trustworthy financial services.
★★★★★John Safi
Easy the whole step of the way
Dealing with Joe was really easy the whole step of the way. He made it so easy to consolidate all my debts and get the best deals for me.
★★★★★Jack Roberts
Always gets you a great deal
Great mortgage broker. I have worked with Joe across multiple loans and never had any issues — efficient, professional and always gets you a great deal!
★★★★★Emilio Ayoub
Smooth and stress-free
Joe was awesome to deal with. Super knowledgeable, easy to talk to, and made the whole process smooth and stress-free. He explained everything clearly and worked hard to get the best outcome for us. Highly recommend Settled with Joe if you're looking for reliability, transparency and quality.
★★★★★Nick Jr Constantin
Clear and stress-free
Great experience working with Joseph during my home loan application. He was knowledgeable, responsive, and made the whole process clear and stress-free. I really appreciated his support and would happily recommend him to anyone needing help with property matters.
★★★★★Philip Albert
Actually makes the whole process easy
Highly recommend Settled with Joe if you're looking for a mortgage broker who actually makes the whole process easy. Joe was professional, knowledgeable, and always available to answer questions. He handled everything smoothly from start to finish and helped secure a great outcome without the usual stress that comes with finance.

Access to over 90+ bank, non-bank, and private lenders

MacquarieNABWestpacANZSt.GeorgeBankwestSuncorpAMP BankINGBOQBendigo BankPepper MoneyResimacBluestoneFirstmacLibertyLa Trobe FinancialJudo BankQualitasThinktank

FAQs

Frequently Asked Questions

Common questions about what we arrange, how quickly finance can be put in place, loan sizes, and how the process works.

What types of finance do you arrange?
Both commercial and personal. On the commercial side that covers business loans, working capital, invoice finance, ATO and tax debt finance, equipment and asset finance, commercial property, construction and development, bridging, caveat loans, business acquisition, and SMSF lending. On the personal side it covers home loans, car and vehicle finance, personal loans, debt consolidation, renovation finance, equity release, and a range of life-event lending. If it is a finance scenario in Australia, it is worth a conversation.
How quickly can finance be arranged?
It depends entirely on the product. Short-term facilities such as caveat loans and unsecured business or personal lending can often fund within 2 business days. Property-secured lending takes longer because a valuation is required, commonly two to six weeks. Construction and development finance runs to the project timeline. Tell us your deadline at the first conversation and Joseph Farhat and his team will tell you honestly what is achievable.
What loan sizes do you work with?
From $5,000 to $20 million. Personal lending generally runs from $5,000 to $100,000 unsecured, up to $250,000 for vehicles and leisure assets, and up to $2 million where property secures the loan. Commercial lending generally runs from $20,000 to $10 million, and construction and development from $200,000 to $20 million.
How many lenders do you have access to?
Our panel includes 90+ lenders across major banks, tier-two banks, non-bank lenders, and specialist funders. That breadth is the point: every lender has its own credit policy, and a scenario that sits outside one lender's criteria often sits comfortably inside another's. For unique scenarios where bank and non-bank lenders are not the right fit, we can introduce you to private finance options.
Do you work with borrowers with bad credit or a complex situation?
Yes, we do. Defaults, arrears, a thin credit file, self-employed income that does not present as payslips, an ATO debt, or a deadline measured in days are all ordinary conversations here, and none of them is something we will make you feel awkward about. Several lenders on our panel weigh your current position more heavily than a credit score. Telling us early lets us approach the right lender first instead of adding enquiries to your file.
What do I need to provide to get started?
Less than most people expect. For a first conversation it helps to know roughly what you need, what it is for, and when you need it. Beyond that, identification and recent bank statements or payslips cover most personal scenarios, and recent business bank statements cover most commercial ones. You can share this through the enquiry form or over the phone, and we will tell you exactly what each likely lender needs from there.
Do you help with finance outside Sydney?
Yes. Settled With Joe is based in Sydney and arranges finance Australia-wide, across both metro and regional areas, including Melbourne, Brisbane, Perth, Adelaide, and Canberra as well as regional centres such as Newcastle, Wollongong, Geelong, the Gold Coast, the Sunshine Coast, and Toowoomba. Most of the process happens by phone and email, so you do not need to be in Sydney to work with us.

We’re here to help

Tell us the deadline and the scenario. You’ll get an honest answer early. Enquiring won’t affect your credit file. No obligation.

0401 222 353