The intelligent difference with Sydney’s leading mortgage broking business

Masters of Structure

Any broker with the same ingredients can make scrambled eggs, but our team will make a Michelin-star meal. That’s because we look beyond just low rates. We take the time to listen to your circumstances and goals and use our expertise to structure your loan specifically for you. We don’t want you to just purchase property – we want you to own it and we can help you get there sooner.

Our Philosophy


No sugarcoating

If something doesn’t taste right we don’t just put sugar on it and hope for the best. We tell you how it is and work with you to get it to a better position. We don’t like the word ‘no’ – we work with you and the lender to get to yes.


Structure is key

Yes, a low rate is important. But there’s much more to a loan than that. We are masters of structure and make sure your loan is set up the right way for you and you are empowered to pay it off sooner.


Think outside the box

You have unique goals. There are likely many ways you could achieve them, but our task is finding the way that will help you achieve and even exceed them sooner. It isn’t just about getting you a loan. It is about helping you own the experience and that doesn’t always come the way you expected.


Clients for life

We’re here for you from the first time you contact us to ensuring the smoothest run to settlement, but it doesn’t end there. We’re here for life. Whether your financial goals change, you require more finance further down the track or you want some guidance to pay off your loan faster. We also keep tabs on your loan and let you know if we think you could be on a better deal – our clients don’t pay a “loyal customer” tax to their lender.

Why Choose Us?

Every client has individual requirements that cannot be catered to with a “one size fits all” approach. That’s why we have set up a team of loan specialists in different areas – we keep our finger on the pulse of individual lenders as well as the broader industry so we can provide fast, bespoke service.

With a combined 100 years’ experience, Intelligent Finance is an industry leader and the kind of brokerage experts approach to get expert advice. We aren’t only the leading mortgage brokers in Sydney, but Australia’s #1 broker, built entirely on referrals from existing clients. Experience Intelligent Finance for yourself.

Meet our team

Our team is made up of loan specialists, and we’re structured in a way that ensures you are completely taken care of today, tomorrow and well into the future. 

We’ve won nearly every major industry award, many of them won multiple times. Here are some of the faces behind the award-winning team:

Justin Doobov

Justin Doobov

Emil Tayoun

Emil Tayoun

Ari Bernstein

Ari Bernstein

Intelligent Finance is extremely proud to be a full member of the industry’s leading governing body, the Mortgage and Finance Association of Australia (MFAA) as well as a member of the disputes resolution organisation Australian Financial Complaints Authority (AFCA), and a credit representative of BLSSA Pty Ltd (governed by ASIC).

What our customers say

Their attention to detail, structuring expertise, ability to get outcomes quickly is tremendous.

Alon M.

Justin provides a service that is first class. He is practical, empathetic, results driven and always puts our needs first.

Nobo Interiors

Consummate professionals – a terrific experience, great options and problem solving abilities.

Ryan J.

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