About Us

Our Team is Ready to Help you!

We are not just mortgage brokers, we are lending specialists, working with you to provide tailored financial solutions to help you achieve your dreams.

We use a relationship-focused model, with our client needs at the forefront of absolutely everything we do.

If you need help achieving your financial dreams, our services are for you.

  • Home Loans
  • Investment Loans
  • Commercial/Business Loans
  • Asset Finance

With combined experience of over 40 years in finance and professional services, our team can help you reach your goals.

Liam Caldwell


Liam started Sovereign Lending in 2017 after 15 years working in business banking. He uses his extensive commercial lending experience to tailor solutions to clients' business or personal needs.

Austin Murphy

Senior Lending Specialist

Austin joined the Sovereign Lending team in April 2019, having worked in business banking and accounting previously. Austin works hard to build strong relationships with clients and provide a solution-focused experience, where his clients' needs are the only focus.

Marissa Ford

Lending Specialist

Marissa joined Sovereign Lending in August 2020. She works diligently with Liam and Austin and uses her 20+ years’ experience to support clients from initial meeting through to settlement.

Olivia Gepp

Lending Administrator

Olivia is our newest team member, having joined in June 2023. Olivia comes from a retail background and has quickly found her feet in the finance industry, where she supports Liam, Austin, and Marissa in completing administrative tasks with a strong attention to detail.

Why Choose Us

We'll find the solution for you!

At Sovereign Lending, we are not motivated by anything other than your needs and objectives. What does this mean? It means you can be assured that the advice provided is in your best interests and will help you achieve your financial dreams. We will educate you to ensure you fully understand the lending process, as well as the specific features of any product we recommend.

We have a dedicated team here to build a long-term relationship with you to help you along your financial journey.

You can feel confident that you are in safe hands, and we will provide you with exceptional service.

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What our clients say..

‘Sovereign Lending has been an absolute lifesaver for me. When I was looking to refinance my mortgage, I was overwhelmed by all the options and paperwork. Thanks to Liam Caldwell and his team at Sovereign Lending, I not only refinanced my mortgage with ease but also gained a sense of trust and confidence in the financial industry. If you're looking for a trustworthy, efficient, and customer-focused lending company, I wholeheartedly recommend Sovereign Lending.’


'Austin and the team at Sovereign Lending are amazing. The team showed their experience in lending, providing us with the financial assistance we needed to build our new home. The care and expertise of the team was obvious by their constant communication, while making the process as easy as they could for us. We would recommend the Sovereign Lending team to everyone.'


‘My wife and I have engaged Sovereign Lending for several years now and cannot speak more highly of the staff and the business that they offer. The staff are professional, knowledgeable and provide a service where the process of getting a home loan was made so much easier. If you are looking to refinance or seeking a home loan, we sincerely recommend Sovereign Lending - for if it weren't for them, I don't think we would be in the position we are today.’



We pride ourselves on delivering personalised service based on your financial needs.

Whether you’re a first home buyer, purchasing a new residential or investment property, looking to refinance your home loan or seeking a solution for your commercial lending, we have extensive experience in all things lending, including:

residential home loans

We understand that owning your dream home is a significant milestone. As your dedicated lending specialists, we're here to make your journey a breeze.

Whether you are a first home buyer, or looking to upgrade to that forever home, you will experience our expert guidance every step of the way.

If you're looking to refinance or access your equity for a worthwhile purpose, we will provide you with the best solution to help you unlock even more value from your property.

Investment Loans

Are you a seasoned investor? Or just starting on your investment journey? Either way, we're here to maximize your returns and help you unlock the potential of the property market. Let us be your partner in building a thriving investment portfolio.

We will work with your financial adviser or accountant to make sure any loan is structured in line with all your financial goals and provide solutions to help you optimize your investment strategy.

Commercial Loans

Your business ambitions require financial solutions. As your dedicated commercial lending specialists, we're here to fuel your growth and success.

Our commercial lending options are designed to empower entrepreneurs like you. Whether you're starting a new venture, expanding operations, or investing in commercial real estate, we have the expertise and resources to help you make it happen.

With us by your side, you'll benefit from a strong relationship focus, using our expertise to meet your needs.

Asset Finance

Having the right assets is essential for your business's success. We're here to help you acquire the tools and equipment you need to thrive.

Our asset finance solutions are tailored to suit your unique requirements. Whether you're looking to upgrade machinery, invest in technology, or expand your fleet, we've got you covered.

Let us be the catalyst for your business' progress. Together, we'll turn your aspirations into tangible assets that drive your success.

Not sure what kind of loan you need?

The major benefit of using a Lending Specialist to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you the money on the interest and fees, or potentially help you maximise your tax benefits.

Not sure what kind of loan you need for your current financial circumstances? That's our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you the peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.

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Get in touch today

We have many years of experience delivering solutions for our clients’ needs. Our aim is to find you the best loan for you, and to make the process as simple and transparent as possible.

When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind, both now and in the long term. Please get in touch with us today.

One of our team will call you within one business day.

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