Personal Finance Broker

Personal finance, whatever your situation. We work with 90+ bank, non-bank, and specialist lenders to help self-employed borrowers, ABN holders, and everyday Australians find the right loan, including urgent and low-doc or alt-doc scenarios (BAS, bank statements or an accountant's letter instead of tax returns).

0401 222 353

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★★★★★

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.

Personal Finance

How we help individuals and families

Settled With Joe represents you, not the lender. Joseph Farhat and his team review your situation, match it to the right lender from our panel, and manage the application through to settlement.

Frequently asked questions

What is a personal finance broker?

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.

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

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.

Do you help self-employed borrowers?

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 whose policies suit these borrowers, including low-doc options where standard income documentation is not available.

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