About us

About us

Phil Snedden – Director of Intrepid Finance, is a member of the Mortgage and Finance Brokers Association of Australia (MFAA) – Member No. 881526​​​​

Phil previously worked in corporate finance in Sydney, moving to WA for the wonderful lifestyle it offered to all the family.

The ‘Intrepid’ part of the business name is a reflection on the life Phil, his wife and children have lived, having travelled to many corners of the world and Australia. The Intrepid lifestyle hasn’t ended, with many new adventures yet ​to come.

Intrepid Finance operate under the Australian Credit Licence of BLSSA Pty Ltd ACN 117 651 760 , Australian Credit Licence 391237.

How It Works

Why use a Mortgage Broker

Not everyone is borrowing for the same reason, and not everyone’s financial situation is the same, so it’s important to understand your financial landscape before selecting a loan that will meet your specific needs.

There are many lenders out there, all offering different rates and product features which can become confusing. A Mortgage Broker will help to educate you about relevant products, so that you can make an informed decision when the most suitable loan options are presented to you by the broker.

A mortgage broker will do all the leg work for you, negotiating through all the lender paperwork and any hurdles should they arise.

A Mortgage Broker can:

  • Assess your financial position by looking at your income, assets and liabilities for both individuals and businesses.
  • Understand your financial goals to help you build long term financial freedom.
  • Help you to secure a mortgage whether it be refinancing, buying to invest, owner occupier, first home buyer, asset leasing for your business, commercial finance (cashflow, capital investment in stock, premises, equipment).
  • Save you valuable time by completing the vast majority of the loan application on your behalf and guiding you through the remainder.
  • Detailing the steps involved in purchasing your asset, from finance pre-approval to settlement.

What does a Mortgage Broker do?

Mortgage brokers act as the liaison between many different banks or lending institutions, looking for a suitable loan to help borrowers purchase, refinance, renovate, or build their homes. The broker then supports the borrower, by completing the often complicated application process and working directly with the lender to finalise the loan.

Mortgage brokers are required to know how the mortgage offerings work, what the mortgage market looks like, what the borrower’s best options are, and how to make the loan work best for the borrower. The broker often has access to special deals or rates through their relationship with the lenders.

Most mortgage brokers are members of an industry group, such as The Mortgage and Finance Association of Australia (MFAA), who are responsible for ensuring members are highly trained and adhere to strict industry standards and regulatory requirements.

Key areas a mortgage broker will assist with:

  • Understanding your financial situation and your current and future borrowing needs.
  • Researching the mortgage market to identify ideal options for your unique situation.
  • Completing a preliminary assessment to determine suitability for relevant loans or leases.
  • Navigating the lender application process, including completing the majority of the application form, and compiling the required supporting documentation.
  • Lodging the application with the lender, and regularly monitoring the application through internal systems during the approval and settlement stages.

How much does a Mortgage Broker cost?

A broker’s fee or commission for arranging a loan is paid directly by the credit provider. You as a client do not pay a cent for our services.

Different credit providers can pay different levels of commission. At Intrepid Finance, finding the right solution for our clients is our priority. We believe that providing quality service will eventually lead to its own rewards, and for this reason, we ignore commission rates when researching the most suitable loan or leasing solution.

Sometimes a broker will charge you a fee directly (instead of, or in addition to, the credit provider’s commission), however this is not the case at Intrepid Finance.

How It Works

Why use a Mortgage Broker

Not everyone is borrowing for the same reason, and not everyone’s financial situation is the same, so it’s important to understand your financial landscape before selecting a loan that will meet your specific needs.

There are many lenders out there, all offering different rates and product features which can become confusing. A Mortgage Broker will help to educate you about relevant products, so that you can make an informed decision when the most suitable loan options are presented to you by the broker.

A mortgage broker will do all the leg work for you, negotiating through all the lender paperwork and any hurdles should they arise.

A Mortgage Broker can:

  • Assess your financial position by looking at your income, assets and liabilities for both individuals and businesses.
  • Understand your financial goals to help you build long term financial freedom.
  • Help you to secure a mortgage whether it be refinancing, buying to invest, owner occupier, first home buyer, asset leasing for your business, commercial finance (cashflow, capital investment in stock, premises, equipment).
  • Save you valuable time by completing the vast majority of the loan application on your behalf and guiding you through the remainder.
  • Detailing the steps involved in purchasing your asset, from finance pre-approval to settlement.

What does a Mortgage Broker do?

Mortgage brokers act as the liaison between many different banks or lending institutions, looking for a suitable loan to help borrowers purchase, refinance, renovate, or build their homes. The broker then supports the borrower, by completing the often complicated application process and working directly with the lender to finalise the loan.

Mortgage brokers are required to know how the mortgage offerings work, what the mortgage market looks like, what the borrower’s best options are, and how to make the loan work best for the borrower. The broker often has access to special deals or rates through their relationship with the lenders.

Most mortgage brokers are members of an industry group, such as The Mortgage and Finance Association of Australia (MFAA), who are responsible for ensuring members are highly trained and adhere to strict industry standards and regulatory requirements.

Key areas a mortgage broker will assist with:

  • Understanding your financial situation and your current and future borrowing needs.
  • Researching the mortgage market to identify ideal options for your unique situation.
  • Completing a preliminary assessment to determine suitability for relevant loans or leases.
  • Navigating the lender application process, including completing the majority of the application form, and compiling the required supporting documentation.
  • Lodging the application with the lender, and regularly monitoring the application through internal systems during the approval and settlement stages.

How much does a Mortgage Broker cost?

A broker’s fee or commission for arranging a loan is paid directly by the credit provider. You as a client do not pay a cent for our services.

Different credit providers can pay different levels of commission. At Intrepid Finance, finding the right solution for our clients is our priority. We believe that providing quality service will eventually lead to its own rewards, and for this reason, we ignore commission rates when researching the most suitable loan or leasing solution.

Sometimes a broker will charge you a fee directly (instead of, or in addition to, the credit provider’s commission), however this is not the case at Intrepid Finance.


Are you looking for a small cash loan, a new business loan or for a new home mortgage?

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