Finance Brokers.Not Just Mortgages.
Intellect Finance arranges the full range of credit: home loans, commercial property, corporate debt, equipment and vehicles, SMSF and personal lending. One relationship across more than 100 lenders, rather than a different broker every time your situation changes.
15 minutes. No paperwork, no obligation, and nothing goes to a lender until you have approved it.
Intellect Finance – Your Independent Finance Team
Independent since 2005 | ACL 390611What We Arrange
Five Kinds of Finance, One Team
A mortgage broker arranges home loans. A finance broker arranges credit. Most of our clients arrive for one thing and come back for another, which is why we cover the whole range rather than a single product.
Home Loans
First home, next home, refinancing and investment property, compared across the panel before anything is lodged.
- First home buyer loans and guarantees
- Refinancing and cash-out
- Investment and construction
- Guarantor, joint and expat lending
Commercial Finance
Property, cash flow and working capital for established businesses, including the files most brokers pass on.
- Commercial property purchase and refinance
- Cash flow and unsecured facilities
- Invoice finance and low doc
- SMSF lending
Corporate Loans
Senior debt, acquisition funding and subordinated layers, structured as a whole rather than one piece at a time.
- Acquisition and LBO finance
- Mezzanine and asset-based lending
- Development finance
- Covenant and facility refinancing
Asset & Equipment Finance
Vehicles, trucks, plant and machinery, structured around how the asset is used and how it is taxed.
- Car, motorcycle and EV finance
- Truck and fleet finance
- Equipment and farm machinery
- Chattel mortgage and leasing
Personal Loans
Consolidation, renovations and life costs, with an honest look at whether a personal loan is the cheapest route.
- Unsecured personal loans
- Personal line of credit
- Renovation finance
- Debt consolidation
Not sure which applies? Fifteen minutes on the phone will tell you.
Not Sure Where You Stand?
No paperwork, no credit check, no obligation.Why a Broker Exists
The Same File Gets a Different Answer at Every Lender
Lenders do not assess the same way. Two can read identical payslips, or identical financial statements, and arrive a long way apart on what they will lend and at what price. That gap is the whole reason a panel matters, and it shows up in six places.
Your income, read five different ways
PAYG, self-employed, bonus, commission and casual income are each shaded differently. One lender counts a bonus in full, the next ignores it entirely.
Existing debts, measured differently
A credit card is assessed on its limit rather than its balance. Buy-now-pay-later, HECS and car loans all reduce capacity, and each lender weighs them its own way.
The assessment rate
You are tested at a rate above the one you would actually pay. That buffer is the single biggest reason your borrowing capacity is lower than you expected.
Security and how it is valued
The same property, business or asset can be valued and weighted differently, which moves both the amount and the price.
Sector and structure appetite
On business lending, a bank exiting a sector says nothing about your business. Trusts, groups and unusual structures are read very differently across the panel.
Timing
Credit appetite moves. A lender that was competitive six months ago may not be today, and knowing who is active right now is most of the job.
A comparison site ranks products. A bank shows you its own. Neither tells you which lender reads your particular situation most favourably, and that is the part that decides the outcome. Find out where you sit.
Why Us
Six Reasons People Stay With Us for Twenty Years
Not a list of features. These are the things clients actually tell us made the difference, and the reasons they come back when the next thing comes up.
Most brokers only do home loans. We do the rest as well.
Residential, commercial property, corporate debt, equipment and vehicles, SMSF and personal lending, all under one licence.
So when the business needs a truck three years after you bought the house, it is the same phone call to someone who already knows your position, rather than starting again with a stranger.
We take the files other brokers pass on.
Self-employed income, trust and group structures, SMSF purchases, a sector your bank has decided to exit, a property valuers argue about.
These get declined by generalists because they are unfamiliar, not because they are unfundable. Charbel works on them every day, which is why people are referred to us once the easy route has failed.
You are never charged. Not even clawback.
Plenty of brokers will invoice you for the lender’s clawback if you refinance or sell within the first two years. We wear it ourselves.
It also removes the incentive problem. We have no financial reason to talk you out of a cheaper structure or a shorter hold, because it costs us either way.
One application, not five.
Every application is recorded on your credit file, and several in a short window makes the next lender more cautious.
We work out which lender fits your file before anything is lodged. That is the difference between one clean enquiry and a trail of declines that becomes the reason for the next one.
No lender owns us, and no lender gets preference.
We are independently owned. There is no parent bank, no white-label product we are expected to place, and no internal target pushing volume to one funder.
The lender we recommend is the one that suits your file, including the non-bank and specialist funders that never advertise and that most panels leave out.
You get a specialist, and you keep them.
Four brokers, each working one area daily. Moufid on residential, Charbel on commercial and complex, Chantelle on asset and personal, Joe across all of it.
You are not handed to a processing team after the first meeting, and you are not explaining your situation again to someone new each time you call.
Who You Deal With
Four Brokers. Four Specialities.
Joseph Sukkar started in finance in 2000 and founded Intellect Finance in Penrith in 2005. The practice is deliberately structured so that each area of lending sits with someone who works in it daily.
Joseph Sukkar
Principal BrokerTwenty-five years across residential, commercial and complex lending. Reviews and approves the work across the practice.
Moufid
Head of ResidentialHome loans, first home buyers, refinancing and investment lending, including self-employed and non-standard income.
Charbel
Commercial & ComplexCommercial property, corporate debt, SMSF and the group and trust structures that most brokers pass on.
Chantelle
Asset & PersonalVehicles, trucks, plant and equipment, plus personal lending. Structures asset finance around how it will be taxed.
Who We Fund
Every Sector Has Its Own Cash Flow Shape
A builder waiting on progress claims, an importer with stock in transit and a practice buying its premises are three different lending problems. Knowing how a lender reads your particular set of numbers is most of the work.
Construction & Trades
Utes, plant and tools, plus cover for the gap between progress claims.
Transport & Logistics
Prime movers, trailers and whole fleets, with lenders who assess older vehicles on condition.
Manufacturing
Machinery and fit-out financed over the working life of the asset, keeping working capital free.
Property Development
Site through to completion, assessed on gross realisation and total development cost.
Retail & Hospitality
Fit-out, kitchen and refrigeration, plus facilities that flex through the quiet months.
Import & Wholesale
Stock in transit and unpaid invoices are cash you cannot use. Invoice finance releases it.
Medical & Allied Health
Practice purchase, commercial premises and specialist equipment with long asset lives.
Professional Services
Asset-light businesses with strong billings, structured on revenue rather than property security.
Not listed? It is rarely a problem. Tell us what the business does and we will tell you who lends to it.
Social Proof
120+ Five-Star Google Reviews
First home buyers, business owners, investors and developers. Pulled live from Google.
The Process
What Happens After You Call
The same four steps whether it is a first home or a corporate facility. Only the documents differ.
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15 minutes
The first conversation
What you are trying to do, what your position looks like and what your timeline is. No documents, no credit check. You finish knowing roughly where you stand and which lenders suit you.
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We compare
The panel, then a shortlist
We work out which lenders’ policy actually fits your file and show you the comparison. You see the options before anything is submitted anywhere.
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We handle
One application, properly prepared
We prepare and lodge with the lender you have chosen. One clean enquiry rather than a series of speculative ones, which is what keeps your credit file intact.
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We manage
Through to settlement
Valuation, conditions and lender communication, coordinated with your solicitor, conveyancer or accountant through to settlement.
Timeframes vary with the lender, the finance type and the complexity of the application, and are not guaranteed.
Questions Answered
Questions People Ask Before They Call
The things worth knowing before you pick up the phone.
What is the difference between a finance broker and a mortgage broker?
A mortgage broker arranges home loans. A finance broker arranges credit across the whole range, including commercial property, corporate facilities, equipment and vehicles, SMSF lending and personal finance. Intellect Finance is a finance broker. Most clients who come to us for one thing later need another, and it is the same relationship rather than starting again elsewhere.
What does it cost to use Intellect Finance?
Nothing. We do not charge the borrower a fee on any loan type, and we do not charge a clawback fee if a loan is discharged early. Lenders pay a commission on settlement, disclosed to you in writing in our Credit Guide before any work begins.
Why does the same application get different answers from different lenders?
Because each lender applies its own assessment rate, its own living-cost benchmark and its own treatment of income and existing debts. On business lending the same is true of earnings quality, security and sector appetite. Two lenders reading identical figures can land a long way apart, which is the entire reason a panel matters.
Can you help if a bank has already declined us?
Often. A decline usually reflects one lender’s credit policy rather than your overall position. Self-employed income, a short trading history, an unusual property, a trust structure or a sector a bank is exiting are all read very differently elsewhere. Knowing which lenders will look at your situation before you apply also protects your credit file.
Do you work with clients outside Sydney?
Yes. Penrith is our head office, but we act for clients in every state and territory. Documents are signed electronically, valuations are ordered remotely and lender assessment happens in a processing centre rather than a branch. Where you live changes which lenders suit you, not whether we can act.
Does Best Interests Duty apply to everything you arrange?
No. Best Interests Duty under the National Consumer Credit Protection Act applies to regulated consumer credit, which covers home loans, personal loans and finance for personal use. Business and commercial lending sits outside that framework. We disclose how we are paid in writing either way, and we tell you at the outset which applies to you.
Who will I actually deal with?
One of four people, depending on what you need. Joseph Sukkar is the principal broker. Moufid heads residential lending, Charbel handles commercial, corporate and complex files, and Chantelle covers asset and personal finance. Your file sits with the person who works in that area every day.
What happens in the first conversation?
Fifteen minutes, no paperwork and no credit check. We ask what you are trying to do, what your position looks like and what your timeline is. You finish with a realistic view of where you stand and which lenders suit you. If we are not the right fit for it, we will say so.
Where We Are
Penrith Based.Clients Australia-Wide.
Penrith is our head office and the one you can walk into without an appointment. Parramatta and Sydney CBD are available by arrangement. Most of the process runs by phone, email and video, so we settle loans in every state and territory.
Ready When You Are
Tell Us What You’re Trying to Do.
Fifteen minutes with the specialist for whatever you need. A realistic view of where you stand, which lenders suit your situation, and anything that would hold an application up. No fee, no obligation, no credit check to start. Penrith based, clients Australia-wide. Intellect Finance Pty Ltd, ACL 390611.
Home loans and personal loans are regulated consumer credit, so Intellect Finance is required to act in your best interests under the Best Interests Duty in the National Consumer Credit Protection Act. Business and commercial lending sits outside that framework. Nothing on this page is credit assistance or an offer of credit.
Intellect Finance Pty Ltd | Australian Credit Licence 390611 | MFAA Member | AFCA Member
Important information General information only. Not credit assistance or an offer of credit. We charge you no fee. Tap to read the full detail.
General information only. The content on this page is general in nature and does not take into account your objectives, financial situation or needs. It is not credit assistance, financial advice, legal advice or tax advice, and it is not an offer of credit. You should consider whether it is appropriate for you and seek your own advice before acting on it.
Nothing here is a guarantee. Loan approval, borrowing capacity, interest rates, loan to value ratios, timeframes and eligibility are determined by individual lenders and government bodies, not by us. They differ between lenders and change over time. Any figure, range or timeframe on this page is indicative and is not a quote, an offer, or a prediction of your outcome.
Best Interests Duty. Home loans and personal loans are regulated consumer credit under the National Consumer Credit Protection Act 2009. When providing credit assistance in relation to these products, Intellect Finance is required to act in your best interests.
Business purpose lending. Credit provided wholly or predominantly for business purposes is not regulated consumer credit, and the Best Interests Duty and responsible lending obligations under the National Consumer Credit Protection Act 2009 do not apply to it. We disclose how we are paid in writing before you proceed on every transaction regardless.
How we are paid. Intellect Finance does not charge borrowers a fee for arranging finance, and does not charge a clawback fee where a loan is discharged early. Lenders pay us a commission on settlement. The basis of that commission is disclosed to you in writing in our Credit Guide before any credit assistance is provided.
Third-party information. Where this page refers to government schemes, regulatory settings or lender policy, that information is sourced from the relevant authority and was correct to the best of our knowledge at the date shown on this page. Those rules change, sometimes without notice. Always confirm the current position with the issuing authority or with us before relying on it.
Found something wrong? If you believe anything on this page is inaccurate or out of date, tell us at joe@intellectfinance.com.au and we will review and correct it.
Intellect Finance Pty Ltd | Australian Credit Licence 390611 | MFAA Member | AFCA Member