Settled With Joe is a specialist finance broker based in Sydney, led by director Joseph Farhat and his team.
- We help self-employed borrowers, business owners, and families across business and commercial lending, home loans, construction and development, SMSF, and personal loans.
- Our specialty is finance that takes real expertise to place: self-employed and irregular income, urgent scenarios, and full-doc, low-doc, and no-doc business finance.
- Knocked back before, or your credit history is not perfect? We look at the whole picture, not a single number.
- We sit on your side of the table, matching you to the right lender from our panel of 90+ banks and non-bank lenders. For unique scenarios, we can introduce you to private finance options.
Meet Joseph Farhat
Joseph Farhat leads the team at Settled With Joe. He and his colleagues work with both bank and non-bank lenders, which means they can find solutions for standard, complex, and non-conforming scenarios that a single lender would turn away.
Joseph specialises in home loans, urgent commercial finance, construction finance, SMSF lending, and personal loans. Over his career he has settled more than $200 million across 300+ loans for borrowers around Australia. His approach is simple: understand the client, be honest about what is achievable, and manage the process end to end so borrowing feels straightforward rather than stressful.
Away from the office, Joseph is a family man who understands first-hand the challenges of being self-employed, and the opportunities the right finance can open up for a business. He places a high value on family, personal growth, and health, having lost 30 kilograms over the past two years.
Access to over 90+ bank, non-bank, and private lenders
Self-Employed and Irregular Income Specialists
If you are self-employed, an ABN holder, or a business owner with income that does not fit a neat payslip, we know how to present your position to lenders who assess it fairly. This is where we do some of our best work.
Full-Doc, Low-Doc and No-Doc Business Finance
Not every borrower can supply full financials on demand. For business finance we work across full-doc, low-doc, and no-doc options, matching your documentation to lenders who accept it.
Urgent and Time-Critical Finance
Settlement deadlines, tax debts, cash-flow gaps, and short windows to act. When timing is critical, our process and lender relationships are built to move quickly.
90+ Lenders on Panel
We maintain active relationships with major banks and non-bank lenders, giving you access to products and pricing a single lender cannot offer. For unique scenarios, we can also introduce you to private finance options.
A Tailored Solution for Every Borrower
No two situations are the same. We take the time to understand yours, then structure a finance solution around it rather than forcing you into a standard product.
Straightforward, Honest Advice
We give you straight answers. If a scenario is fundable, we will tell you what it looks like and why. If it is not, we will tell you that too, and point you toward what would make it work. We stay with you from first conversation to settlement.
Honest advice, tailored to you
Our promise is a smooth, informed, and stress-free finance journey, from the first conversation to final settlement. That starts with a few things we never compromise on.
Honest advice
Clear, direct answers from the first conversation. No jargon, no runaround.
Transparency
You always know where your application stands and what each step involves.
Client-first
We represent you, not the lender. Every decision starts with what is best for you.
Solutions-focused
We lead with empathy and stay focused on the outcome, finding a way forward for your situation.
Ready to talk about your finance?
Whatever your situation, tell us about it and we will give you an honest view of what is available and what it will cost. Our assessments are obligation-free, and we aim to respond to every enquiry within one business day.
Get in Touch