Established 2005 | Founded Intellect Finance in Penrith
Every Kind of Finance.One Team Since 2005.
Home, commercial, corporate, asset and personal finance across 100+ lenders. Independent since 2005, working with clients Australia-wide. Free to you, the lender pays us.
15 minutes. No paperwork, no obligation. We don’t share your details with lenders until you’ve approved it.
Joseph Sukkar, Principal Broker
25+ Yrs Finance Experience | ACL 390611Who we are
What is Intellect Finance?
Intellect Finance is an independent finance brokerage. Joe Sukkar started it in 2005 and still runs it. We arrange home, commercial, corporate, asset and personal finance for clients in every state, comparing over 100 lenders instead of selling one bank’s products.
We work out of Penrith, meet clients at Parramatta and the Sydney CBD by appointment, and run most of the process by phone, email and video, which is why our clients are spread across every state rather than clustered around one office. We hold our own credit licence, ACL 390611, and we are members of the MFAA and AFCA. We don’t charge you a fee for arranging a loan. The lender pays our commission when a loan settles.
Most brokerages stop at home loans. We never did. That is why people who came to us for a first mortgage are still here fifteen years later, financing a warehouse or a truck.
Scope
Five Lending Categories Under One Brokerage
Most brokerages handle one of these. We handle all five, so your home loan, your business facility and your equipment finance are structured together rather than by three different people who never speak.
Looking for something specific? SMSF lending, development finance, equipment finance and refinancing each have their own page.
The Difference
Why Clients Stay With Us
Four reasons clients come back, and send their family and their business partners.
25+ Years. 6,500+ Loans.
Joe started in finance in 2000 and founded the practice in 2005. He has seen how every lender on the panel behaves, and which one says yes to which situation.
Every Loan Type Under One Roof
Home, commercial, corporate, asset and personal finance. Most brokerages only do home loans, so when your business needs funding you start again with someone new.
No Fee. Not Even Clawback.
Nothing for the comparison, the structuring or the application, on any loan type. If you discharge early we wear the clawback ourselves rather than invoicing you for it.
A Specialist in Every Area
Complex and commercial sits with Charbel, residential with Moufid, asset and personal with Chantelle. You deal with someone who works in that area every day.
Our story
A brokerage built the way we wished one existed.
Joe spent years inside the industry before concluding the structure itself was the problem. A single lender gives advice from the lender’s position, never yours.
He opened Intellect Finance in 2005 to fix that. Independent licence. Client’s position at every step. No product to push.
Two decades on: 6,500 loans settled, a panel of more than 100 lenders, and four specialists instead of one generalist.
What has not changed is the willingness to tell someone a loan is wrong for them. That is the only way a practice built on twenty-year relationships survives twenty years.
The team
Four specialists rather than four generalists.
The right person takes your call on day one, not after three handovers.
Joseph Sukkar
Founded the practice in 2005, in finance since 2000. Joe is the senior voice on every complex deal, and the person clients come back to a decade later.
Charbel
Charbel takes the applications other brokers decline. Deceased estates, non-standard property, unusual income, auction deadlines.
Moufid
Moufid leads residential lending nationally. He knows how each lender reads property and income, and how to present an application so it holds.
Chantelle
Chantelle runs asset and personal finance, from a first car through to financing a fleet, with access to specialist lenders consumers never see directly.
Part of Our 100+ Lender Panel
The names most people recognise are residential lenders. Much of what we arrange runs through funders that do not advertise to the public. Accreditation with a lender is not an endorsement by it, and which lender suits you is decided by your file rather than by who is on this list.
We have talked clients out of loans we would have been paid for.
Independent since 2005What we stand for
Four things we will not trade away.
Nobody owns us
We hold our own credit licence. No lender owns us, funds us or sets our panel. Every lender competes on merit.
No fee to you. No exceptions.
We don’t charge you for the comparison, the structuring or the application, on any loan type. We don’t charge a clawback fee if you discharge early either, which plenty of brokers do. The lender pays us on settlement and that is the whole arrangement.
Built for the second loan
Clients stay ten and fifteen years, across a first home, an investment, a business facility, a refinance. That only happens if the first advice was right.
The real number rather than the headline
A headline rate is not the cost. Comparison rate, fees, break costs, LMI and servicing policy decide it. We model the whole thing before recommending anything.
Social Proof
120+ Five-Star Google Reviews
Real reviews from real clients, pulled live from Google.
Common Questions
About Intellect Finance
Who is Intellect Finance?
Intellect Finance is an independent Australian finance brokerage founded in 2005 by principal broker Joseph Sukkar. It holds Australian Credit Licence 390611 and arranges residential, commercial, corporate, asset and SMSF finance for clients across Australia.
What types of finance does Intellect Finance arrange?
Five categories. Residential lending including first home buyers, refinancing, investment and construction. Commercial lending including property, cashflow and working capital. Corporate debt including acquisition, mezzanine and asset-based facilities. Asset and equipment finance including vehicles, trucks, fleets and machinery. Personal lending including unsecured loans and lines of credit.
How long has Intellect Finance been operating?
Since 2005. Joseph Sukkar started in finance in 2000 and founded the practice five years later. The team has settled more than 6,500 loans since then.
Where is Intellect Finance based and who do you work with?
Our head office is in Penrith, at Suite 2/86 Henry St, and you can walk in during business hours. We also meet clients at Parramatta and in the Sydney CBD by appointment. Most of the process runs by phone, email and video, so we work with clients right across Australia rather than only in Sydney.
How many lenders do you compare?
More than 100 lenders and over 400 products. That panel includes the major banks, second-tier and non-bank lenders, and specialist and private funders that do not advertise directly to consumers.
What does it cost to use Intellect Finance?
Nothing. Intellect Finance does not charge borrowers a fee. No fee for the comparison, the structuring or the application, on any loan type, and no clawback fee if you discharge the loan early. Lenders pay a commission once a loan settles, disclosed in our Credit Guide before any work begins.
Is Intellect Finance independent of any lender?
Yes. The practice is not owned by, affiliated with, or funded by any lender or lender-owned aggregator group. It holds its own Australian Credit Licence, number 390611, and is a member of the MFAA and AFCA.
Why use Intellect Finance rather than another broker?
Scope and depth. Most brokerages work almost entirely in residential lending. We have run commercial, corporate and asset finance alongside residential since 2005, with a dedicated specialist in each area, so the same team can handle your home loan, your business facility and your equipment finance.
Visit Us
Penrith Based.Clients Australia-Wide.
Penrith is our head office and the one you can walk into without an appointment. We also meet clients at Parramatta and in the Sydney CBD by arrangement. Most of the process runs by phone, email and video, so we work with clients in every state, not only in Sydney.
Parramatta
Suite 23, Level 1, 181 Church St, Parramatta NSW 2150
Mortgage broker Parramatta →Prefer to meet closer to you? Book a time at any location.
Book Free AssessmentLet’s Talk
Talk to Joe. Fifteen Minutes and No Pressure.
A 15-minute call with Joseph Sukkar tells you where you stand. We’ll tell you whether we can help, and if we can’t, who can. Free, no obligation, no paperwork. Penrith based, clients Australia-wide. ACL 390611.
For consumer credit, Intellect Finance is required to act in your best interests under the Best Interests Duty in the National Consumer Credit Protection Act.
Intellect Finance Pty Ltd | Australian Credit Licence 390611 | MFAA Member | AFCA Member
Important information General information only. Not credit assistance, legal advice or an offer of credit. We charge you no fee. Every caveat on this page is collected here. Tap to read.
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 of approval. Loan approval, borrowing capacity, interest rates, loan to value ratios, valuations, income assessment, add-back treatment and eligibility are determined by individual lenders and by independent valuers, not by us. They differ between lenders and change over time. Timeframes vary with the lender and the valuer, and are not guaranteed. Any figure or timeframe on this page is indicative and is not a quote, an offer, or a prediction of your outcome.
Best Interests Duty. Credit for personal, domestic or household purposes, including a home loan for a property you will live in, is 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 and, where there is a conflict of interest, to give priority to your interests. These obligations have applied to mortgage brokers since 1 January 2021.
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 regulatory settings or lender policy, that information was correct to the best of our knowledge when the page was last reviewed. 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