Mortgage Broker in Sydney’s Sutherland Shire | Servicing Clients Across Australia
Shannon Ingram, Principal Mortgage Broker
0402 283 480 shannon@ingramfinancial.com.au
Shannon Ingram is a mortgage broker and the principal of Ingram Financial. He is based in Bangor, NSW, in Sydney’s Sutherland Shire, and helps local families, investors and business owners. He also works with clients right across Australia by phone and video.
Shannon’s finance career began at ANZ in 2002 and spans both banking and mortgage broking. As a result, he combines a lender’s view of credit with hands-on broking experience to give clear, practical lending advice.
His career began at ANZ in 2002, where he developed strong foundations in banking, credit assessment and lending policy. He then spent six years as a mortgage broker with Smartline, helping a wide range of clients with home loans, investment loans and refinancing, as well as commercial and asset finance.
From 2016 to 2024, Shannon stepped away from finance to run a multi-site retail window furnishings business. In 2024 he returned to broking and set up Ingram Financial as his own broking business. Today he works closely with individuals, families and small business owners to structure lending around their goals.
This blend of major bank experience, mortgage broking and real small-business ownership allows Shannon to provide practical, end-to-end lending support at every stage of your property journey.
Shannon’s Story: Banking, Broking and Small Business
People often ask how Shannon’s career fits together, so here is the timeline in full. His years in finance and his time as a business owner are separate chapters, and each one shapes how he works today.
- 2002: Shannon’s career began at ANZ, where he learned how banks assess credit, set lending policy and make decisions.
- Six years with Smartline: next, he worked as a mortgage broker with Smartline, arranging home, investment, refinance, commercial and asset finance loans.
- 2016 to 2024: Shannon then ran a multi-site retail window furnishings business. This was small-business experience rather than finance experience, and it taught him a great deal.
- Since 2024: he returned to broking and now runs Ingram Financial as his own broking business.
The eight years in business sit alongside his banking and broking experience. Because Shannon has run a multi-site business himself, with the cash flow swings, tax returns and paperwork that come with it, he genuinely understands how self-employed income works and why lenders ask the questions they do. That is why business owners, sole traders and contractors often find the self-employed loan process easier with him in their corner.
Why Choose Shannon Ingram as Your Mortgage Broker?
- A local broker based in Bangor, NSW, in the Sutherland Shire
- Clients helped Australia-wide via phone and video consultations
- Banking and broking experience across ANZ, Smartline and his own broking business
- Eight years running a multi-site small business, so self-employed lending makes sense to him
- Home loans, refinancing, investment, construction, commercial and specialist lending
- MFAA-accredited, with ongoing professional development each year
How Ingram Financial Works
As a mortgage broker, Ingram Financial compares loans from dozens of lenders, including major banks, smaller banks and non-bank lenders. Instead of offering one bank’s products, Shannon looks at your income, deposit, goals and timing, then shortlists loans that suit you. Brokers must also act in your best interests when they recommend a loan, as Moneysmart explains.
Working with Shannon Ingram, mortgage broker, usually follows four steps:
- A free chat about what you want to achieve and what you can comfortably afford.
- Research and recommendation: Shannon compares lenders, explains the trade-offs and puts his recommendation in writing.
- Application: he prepares and lodges the application, then deals with the lender, valuer and your conveyancer through to approval.
- Settlement and beyond: after settlement, he stays in touch so your loan keeps working for you as rates and your circumstances change.
How Brokers Are Paid
In most cases, you do not pay Ingram Financial directly. Instead, the lender you choose pays the broker a commission when your loan settles, and usually a smaller ongoing commission while the loan is active. If a fee ever applies to your situation, we will tell you upfront and in writing before any work begins. You’ll receive our Credit Guide, which explains how we’re paid, before we start working together.
Based in the Sutherland Shire, Helping Clients Across Australia
Shannon Ingram is a mortgage broker who lives and works in the Shire, so he knows the local market, from first home units near the train line to knockdown-rebuilds and waterfront homes. You can read more on our Sutherland Shire mortgage broker page, or go straight to your area:
That said, you don’t need to live locally. Whether you are elsewhere in Sydney or interstate, everything from the first chat to settlement can happen by phone, video and secure online document upload.
In the Media
Australian Broker, 13 October 2026: Mortgage stress mounts as borrowers struggle to keep up. Shannon spoke to Australian Broker about the growing number of borrowers who are keeping up with their repayments but no longer qualify to refinance, why refinancing is still worth exploring where you can, and why household spending deserves a fresh look as repayments rise.
Accreditation and Licence
Shannon Ingram is an MFAA-accredited mortgage broker. Membership of the Mortgage & Finance Association of Australia (MFAA) requires members to meet education standards, complete ongoing professional development each year and follow a code of practice.
Ingram Financial Pty Ltd (ATF Ingram Family Trust), ABN 69 618 146 267, is an Authorised Credit Representative (CRN 457362) of LMG Broker Services Pty Ltd, Australian Credit Licence 517192.
Common Questions About Ingram Financial
Shannon’s career began at ANZ in 2002, followed by six years as a broker with Smartline. From 2016 to 2024 he ran a multi-site retail business, and since 2024 he has run his own broking business, Ingram Financial.
No. Shannon is based in Bangor, NSW, and many clients are in the Sutherland Shire and southern Sydney. However, he helps clients Australia-wide by phone and video.
Usually not. Lenders pay brokers a commission when a loan settles. If a fee applies to your situation, we tell you upfront and in writing before any work starts, and our Credit Guide explains how we’re paid.
Get Started
Looking to buy a home, refinance your mortgage or review your lending options? Get in touch to talk through your situation and next steps. Call Shannon on 0402 283 480 or book a free chat online.
What Our Clients Say About Working With Us
Google Reviews
Shannon had gone above and beyond with my mortage process. First time buyer, he made the process so simple. Great with communicating and updating me on any changes. Everything was great with Shannon, would recommend him to anyone in a second Thank u
5 star review from Google
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!
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.
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