Taking the headache out of home loans
Based in Sydney’s Sutherland Shire, but servicing clients across Australia through a straight forward, remote process
What makes us different?
What makes us different is our commitment to genuinely personalised service and long-term results. As experienced mortgage brokers, we take the time to understand your financial goals and tailor lending solutions that fit. Not just now, but into the future. With access to a wide panel of lenders, we compare home loans, negotiate on your behalf, and simplify what can often feel like a complex process.
We focus on building lasting relationships, not just completing transactions. That means clear communication, honest guidance, and ongoing support well after your loan has settled. As your circumstances change, we proactively review your loan to ensure it remains competitive, helping you reduce costs and make smarter financial decisions over time.
Your Advantage: Unaffiliated Advice, More Options
Your own personal, non-bank affiliated loan expert
We work in your best interests (we’re not owned by a bank)
Access to dozens of banks and lenders in one place
Ongoing support and guidance once your loan has settled
Access dozens of lenders in one place
As a mortgage broker, we have access to a wide panel of lenders – including major banks, smaller institutions, and non-bank lenders. This gives you far more choice than going directly to a single provider. This means we can compare a wide range of loan options to find one that truly fits your needs, whether you’re buying your first home, investing, or refinancing. My goal is to match you with the right loan, not just any loan, helping you secure a solution that works for your situation now and into the future.
More lenders doesn’t always mean better outcomes. What matters is having access to lenders that can assist a broad range of clients and scenarios. Our panel has been built to provide genuine choice and flexibility, helping us find solutions that fit your goals and circumstances and not just a one-size-fits-all approach.
Our Services
Ingram Financial offers many different loan types to meet your borrowing needs. Whilst we specialise in residential finance, we can also assist with commercial, asset and vehicle finance.
Read more from our blog
Fixed Vs Variable: Should I Fix My Home Loan in 2026?
After dropping and holding steady through 2025, the RBA lifted the cash rate three times between February and May 2026. This took it from 3.60% to 4.35%. Three rises in…
How Much Deposit Do You Actually Need for a Home Loan in Australia?
Most buyers assume they need a 20% deposit before a lender will even look at them. That number gets repeated so often it starts to feel like a rule. It…
Offset vs Redraw Facility: What’s the Difference and Why It Matters
Most borrowers know that offset and redraw facilities help reduce the interest on their home loan. Fewer know how differently they work – and how badly a mix-up can cost…
The Bank Said No. What Now?
Hearing the word “declined” from a lender can feel like a door slamming shut – especially when you’ve done everything right, saved your deposit, and genuinely believe you can comfortably…
Why Has My Borrowing Capacity Reduced?
If you’ve sat down with a borrowing calculator lately and come away feeling like something’s off – or found yourself googling “why has my borrowing capacity reduced” – you’re not…
Still have questions?
Let’s connect so we can assist, or simply start your application online today.
What Our Clients Have To Say
Peter Chard
May 2026
5-star rating
Shivani Menon
March 2026
Highly recommend our mortgage broker! Shannon was absolutely amazing throughout the entire process — knowledgeable, responsive, and genuinely supportive. He made what could have been a stressful experience feel smooth and manageable, always going above and beyond to help us. We’re so grateful for his guidance and couldn’t have done it without him!
Need some help?
Not sure where to start? That’s exactly what we’re here for. Drop us a message and we will get back to you within one business day with clear, honest advice tailored to your situation.