Question 1

What is a personal finance broker?

Accepted Answer

A personal finance broker helps you find and arrange consumer finance from a panel of lenders rather than a single bank. Settled With Joe represents you, the borrower, not the lender. Joseph Farhat and his team review your situation, match it to the right lender from our panel of 90+ bank and non-bank lenders, and manage the application through to settlement.

Question 2

Can you help if my situation does not fit standard credit policy?

Accepted Answer

Yes. Every lender has its own policy, and a situation that sits outside one lender's criteria often sits comfortably inside another's. Our panel spans banks, non-bank lenders, and specialist funders with different credit models, including options for self-employed borrowers, ABN holders, and people with past credit issues or non-standard income. Joseph Farhat and his team will tell you early which part of the panel your situation belongs in.

Question 3

Do you help self-employed borrowers?

Accepted Answer

Yes. A large share of the people we help are self-employed, ABN holders, or sole traders who do not have two years of tax returns ready to hand. We work with lenders who assess these borrowers fairly, including low-doc options where standard income documentation is not available.

Question 4

What does it cost to use a broker?

Accepted Answer

As a broker, we are typically paid by the lender on settlement, so in most cases there is no direct cost to you. Where a fee does apply to a particular product or scenario, Joseph Farhat and his team will tell you before you proceed, not after.

Personal Finance Broker

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