Intellect Finance

Intellect Finance Intellect Finance is the best Mortgage Broker located in Penrith. Joe and the team put the customers first with a personal approach.

Specialising in a large range of loans including; Home Loans, Commercial Loans, Vehicle Loans, Equipment Loans, Business Loans, Investor Loans, Self-Employed Loans, Construction Loans, a... Specialising in a large range of loans including; Home Loans, Commercial Loans, Vehicle Loans, Equipment Loans, Business Loans, Investor Loans, Self-Employed Loans, Construction Loans, and Personal Loans. We he

lp customers with their first home purchase, Investment property, Vehicles or equipment, and asset finance. If you are looking for the best Mortgage Broker in Penrith, then look no further! We service clients throughout Greater Western Sydney and beyond, perfectly located for Kingswood, Orchard Hills, Caddens, Cranebrook, Glenmore Park, Jamisontown, Mulgoa, Blaxland the Blue Mountains, and all surrounds.

28/05/2026

Building reports - there more than just a box to tick off.

Most people don’t understand the power and significance of them.

A building report can:
- reveal both major and minor defects
- help you negotiate property price
- be used as a tool to get repairs fixed before you buy

And many more.

They’re a small price to pay, but worth it when considering the investment you’re making in buying a property.

If you’re interested in learning more about building reports and how you can use them effectively, you can contact me or talk to Anthony from Nehme Developments (legend).

Construction loans aren’t home loans and treating them like they are is one of the most expensive mistakes I see.Here’s ...
27/05/2026

Construction loans aren’t home loans and treating them like they are is one of the most expensive mistakes I see.

Here’s three things first-time builders almost always get caught by and some structural fixes I’ve learnt over the years.

➞ 1/ Progress payments, not a single drawdown.

Funds release in stages - slab, frame, lock-up, fixing, completion - only after the bank confirms each is complete via an independent progress inspection. If your builder bills for a stage the bank’s inspector deems incomplete, that difference then becomes yours to bridge.

The Strategy: stress-test cashflow at each stage before the first sod turns and structure drawdowns more conservatively than the builder’s bill schedule suggests.

➞ 2/ The bank funds the contract - not the actual build cost.

Your loan is approved against a fixed-price contract submitted at application, the valuation almost always lands at that contract figure.

What the loan does NOT cover is everything that lives outside the contract - variations, upgrades, site costs (rock, drainage, retaining walls, BAL fire ratings, council requirements), and any cost-plus blow-out.

Builders often quote a clean base price that’s a long way from what the build will actually cost once site-specific work is priced in. The bank won’t top up the loan to cover the gap (that’s on you).

The Strategy: pressure-test the contract at application stage - what’s included, what’s a provisional sum, what’s likely to vary. The right time to find out the real build cost is $80k above the contract is before the loan is approved on the lower number.

➞ 3/ The repayment cliff at completion.

During the build, you pay interest-only on what’s drawn so far. The day construction completes, the loan converts to P&I on the full balance.

Repayments can jump 50%+ overnight depending on loan size and how far through the build the conversion happens.

The Strategy: model the post-completion repayment from day one. Where appropriate the loan can be split, partially fixed or have the offset positioned correctly before or at completion to soften the impact.

If you’re thinking about building - give me a call!

(General info only)

If you haven’t reviewed your home loan in the last 12 months…there’s a good chance you’re overpaying.Banks are known for...
22/05/2026

If you haven’t reviewed your home loan in the last 12 months…there’s a good chance you’re overpaying.

Banks are known for saving their best rates for new customers rather than protecting their current ones.

And it’s a noticeable difference.

On a $700,000 loan - a 0.5% difference is $3,500/yr.

A 1% is $7,000 and over 5 years, that’s makes a significant difference.

There’s no harm in checking if you’re on the most competitive home loan rate, but at least you will have peace of mind knowing you’re not wasting thousands every year unnecessarily.

If you’d like to review - give me a call on 0415 244 784 and we’ll give you a free 15 minute review across our 100+ lenders.



(General info only - not personal finance or credit advice. Suitability depends on individual circumstances)

Most of what I see day-to-day doesn’t fit in a social media post.> Lender policy changes that don’t make the news. > Pre...
21/05/2026

Most of what I see day-to-day doesn’t fit in a social media post.

> Lender policy changes that don’t make the news.

> Pre-approval patterns shifting subtly through the month.

> The kind of detail that takes 800 words to do justice and doesn’t survive an Instagram caption.

That’s what my newsletter is for.

If you’ve found a post here useful and wished it went deeper - that’s the list to be on.

DM us your email if you want in 👍

NEW EXCAVATOR FINANCE - APPROVED ✅ One of our Sydney plumbers came to us wanting help to his expand his business through...
20/05/2026

NEW EXCAVATOR FINANCE - APPROVED ✅

One of our Sydney plumbers came to us wanting help to his expand his business through purchasing some new equipment.

Finance Breakdown:
➤ 72K Asset Finance Loan
➤ Approved & Funded Within 24hrs
➤ Picked Up Next Day

Was great getting out on site to see the new Yanmar excavator we helped finance (devastated I couldn’t have a go).

Reminder - aside from wanting to grow your business, EOFY is a great time talk with your accountant about whether purchasing assets would a good idea.

For many businesses, the instant-asset write-offs are very useful and having these conversations are always better to have sooner rather than later the closer to June 30 we get.

If you’d like to discuss what options may work for your business, send me a message or call me on 0415 244 784.



(General information only - not personal financial, credit or tax advice. Every file is different.)

Last week’s Budget was sold as the most pro-young-people property reform in a generation. Whether it actually helps is a...
19/05/2026

Last week’s Budget was sold as the most pro-young-people property reform in a generation. Whether it actually helps is a different question.

The official case: negative gearing limited to new builds from 2027, the 50% CGT discount replaced with indexation, the continuation of the expanded 5% Deposit Scheme. Treasury modelling suggests 75,000 additional first home buyers over the next decade.

I honestly want to know what other people think about this and whether young people will genuinely benefit from the proposed reforms.

I have multiple young kids of my own and whilst they are far more privileged due to me being in this industry - how does the average young Australian stand?

Let me know your thoughts - I want to see all the potential perspectives.

I’ve come to the conclusion that generic copy and paste testimonial posts kinda bore me.So here’s my slight spin on it -...
18/05/2026

I’ve come to the conclusion that generic copy and paste testimonial posts kinda bore me.

So here’s my slight spin on it - pieces from testimonials I have received that genuinely meant a lot to me.

1) “It’s rare to find someone so dedicated and genuinely committed to achieving the best outcome for their clients” - Julie

2) “Even though I live in Wetherill Park, I’m happy to make the trip because their service is unbeatable.” - Benny

3) “Went the extra mile even when things look liked falling apart.” - Pita

4) “They took the time to thoroughly understand myself and my situation and guided me through every step of the process. The communication throughout the process was impeccable. I was always updated on the status of my application and felt supported at every turn & I was always kept informed and never felt overwhelmed by the details.” - Paris

5) “I’ve never had such good feeling and ease and flow experience with a company as I had with Joseph as my Morgage Broker and the team at the office...They are all about getting you what is best for you. their intention with this is strong and comes across in their communication.” - Natalie

6) “I am overwhelmed by the support, care, professionalism and patience I have received from Joseph and his wonderful team of staff.
(Special shout out to Charbel).They made a way for me that I never thought was possible and have guided me every step of the way with kindness & respect.

I can’t recommend this business high enough. They made my dream come true and I thank God they were recommended to me.” - Ruth

Every review means the world to me, but something about knowing that my team and I genuinely made a difference for these people, especially when talking about our values - it just feels a little extra special.

Thank you to everyone who does take the time to leave a review, it does in fact make a large difference to us and does not go unappreciated 🧡

Important note to all investors or people looking at getting into the residential investment market.Lenders are already ...
14/05/2026

Important note to all investors or people looking at getting into the residential investment market.

Lenders are already beginning to take negative-gearing into their calculations.

Despite the fact that the changes will only being “legally” coming into effect from July 2027 - the banks are already starting to make moves.

Please share where you can as I don’t want anyone else being in the same position as my client 🙏



(General info only - not personal finance or credit advice. Lender policies vary and change)

In case you were lucky enough to not to watch yesterday’s federal budget, here’s a quick recap:Treasurer Jim Chalmers ca...
13/05/2026

In case you were lucky enough to not to watch yesterday’s federal budget, here’s a quick recap:

Treasurer Jim Chalmers called it “the most important and ambitious Budget in decades,” - that’s definitely one way to put it.

The headline summary:

→ Negative gearing on established residential property will be limited to new builds from 1 July 2027. Properties owned or under contract before 7:30pm AEST on 12 May 2026 are grandfathered - existing investors keep their current arrangements.

→ Capital gains tax - the 50% CGT discount is being replaced with cost-base indexation and a 30% minimum tax rate from 1 July 2027.

→ $1,000 instant tax deduction for workers from the 2026-27 financial year - 6.2 million workers benefit, with no receipts required.

→ Personal income tax cuts for all taxpayers, with further cuts in 2026 and 2027.

→ Medicare levy low-income threshold increased by 2.9% for over 1 million low-income individuals, families and pensioners.

→ Superannuation - additional tax on balances over $10 million confirmed, in addition to the previously announced 30% rate on balances over $3 million.

→ Discretionary trusts - a 30% minimum tax on trust income from 1 July 2028.

→ Underlying cash deficit of $28.3 billion for 2025-26, an $8.5 billion improvement on what was forecast in December.

The property tax changes are the ones I’ve had the most calls about today. There’s genuine nuance in how the grandfathering works, what it means for existing investors versus new ones, and whether the CGT split between the old and new regimes creates planning opportunities before 1 July 2027.

I’ll be sending a deeper breakdown in tomorrow’s newsletter - covering what each measure actually means for residential investors, business owners, and first-home buyers.

As always, if you have any questions my messages are open to everyone.



(General information only - not personal financial, tax, or credit advice. Tax implications depend on your individual circumstances - speak to your accountant. Budget measures are subject to legislative passage.)

Well...looks like I’m going to need a couple more of these to get through tonight’s Budget announcement.Special thanks t...
12/05/2026

Well...looks like I’m going to need a couple more of these to get through tonight’s Budget announcement.

Special thanks to for allowing me to provide my wife a beautiful experience for our anniversary.

Seeing the smile on her face was all I wanted and we both had such a great time - plus your wines are to die for.

Thank you very much, will definitely be back soon.

Address

Suite 2/86 Henry Street
Penrith, NSW
2750

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+611800733000

Website

https://calendly.com/int-fin/30min?month=2026-02

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