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Indi Finance At Indi Finance, we guide you in making responsible financial decisions while providing authentic service.

We manage the entire process, ensuring clarity and acting in your best interests to help achieve your financial goals.

19/10/2026

📊 MARKET UPDATE: Why Aren’t Prices Coming Down?

Have you ever wondered why, even when inflation slows, the cost of living doesn’t seem to get any cheaper?

The answer comes down to what inflation actually measures.

The Reserve Bank of Australia (RBA) isn’t trying to bring prices back to where they were years ago. Its goal is to slow the pace at which prices continue to rise.

📌 Here’s what that means:
✔️ Inflation slowing doesn’t mean prices are falling. It means prices are increasing at a slower rate.
✔️ The cost of living has already risen significantly. Consumer prices are now around 20–25% higher than they were several years ago, according to RBA Governor Michele Bullock.
✔️ Interest rate rises are designed to slow spending and economic activity. This can help ease inflationary pressure, although it can also put pressure on household budgets and employment.
✔️ The RBA is balancing competing pressures. It wants inflation to return to a more sustainable pace without causing unnecessary economic damage.

🏡 What does this mean for your home loan?
When the cost of living rises and interest rates change, understanding your household budget and borrowing position becomes even more important.

Whether you’re managing an existing mortgage, considering refinancing or planning to buy a home, knowing your numbers can help you make informed decisions.

At Indi Finance, we’re here to help you understand your options and plan with confidence.

Every journey starts with a conversation.
🌐 indifinance.com.au
📧 [email protected]



Source: ABC News, Gareth Hutchens - The Reserve Bank isn't trying to stop inflation. So don't expect prices to come down, 7 October 2026.

16/10/2026

How much will my home loan repayments be❓

Your repayments will depend on several factors, including:
✔️ The amount you borrow
✔️ Your interest rate
✔️ Your loan term

While it's important to understand how much you can borrow, it's equally important to choose repayments that fit comfortably within your lifestyle and budget.

The right home loan should support your financial goals without putting unnecessary pressure on your day-to-day finances.

💬 Indi Finance can help you understand your borrowing power and what repayments may look like for your situation.
🔗 https://indifinance.com.au/faqs/

14/10/2026

🏦 Finding The Right Home Loan For Your Goals

Choosing a home loan isn't just about finding the lowest interest rate.

The right loan should also support your goals and provide features that suit your lifestyle.

Things to consider may include:
✔️ Fixed or variable rates
✔️ Offset accounts
✔️ Redraw facilities
✔️ Flexibility for future plans

With access to a wide range of lenders, we help first home buyers compare options and make informed decisions.

👉 Let's find a home loan that works for you today - and into the future.
🌐 indifinance.com.au
📧 [email protected]

12/10/2026

Did you know❓
The cheapest loan isn't always the most cost-effective.

Loan features such as offset accounts and fee waivers can sometimes outweigh a slightly lower interest rate.

👉 Get in touch:
🌐 indifinance.com.au
📧 [email protected]

09/10/2026

Supporting First Home Buyers Every Step of the Way 🏡💙

Buying your first home is an exciting milestone, and having the right guidance can make the journey feel simpler, clearer and far less overwhelming.

Here's what one of our clients shared about their experience:
🗣️ “Dragan is fantastic! He was such a support with financially guiding my partner and I as first home buyers. Highly recommend Indi Finance.”

At Indi Finance, we take the time to understand your goals, explain your options in plain language, and provide the support you need to make confident decisions from your first enquiry through to settlement.

💬 If you're thinking about buying your first home, we'd love to help you take the next step with confidence.

👉 Get in touch:
🌐 indifinance.com.au
📧 [email protected]

Talking about money might not be the most romantic conversation - but it could be one of the most important.When a relat...
07/10/2026

Talking about money might not be the most romantic conversation - but it could be one of the most important.

When a relationship becomes more serious, financial decisions often become shared decisions too.

From spending habits and debt to savings, borrowing and future property goals, understanding how you each approach money can help build greater trust and confidence together.

Whether you’re moving in together, buying your first home or planning your next move, having the right conversations early can make a big difference.

👉 Read more: https://indifinance.com.au/relationships-money-building-financial-confidence-together/

💬 Every financial journey starts with a conversation.
🌐 indifinance.com.au
📧 [email protected]

05/10/2026

📉 Correction or Crash?

Australian home prices have now fallen for five consecutive months, with national values down 2.7% from their March 2026 peak.

Sydney is down 4.9% from its peak, while Melbourne has fallen 5.3%.

But does this mean we're heading for a property crash?

Not necessarily.

Looking back over four decades of property cycles shows that while the current downturn has been unusually fast, it isn't yet unusually deep.

The bigger factors to watch are:
🏦 Interest rates
👷 Employment
🏠 Housing supply
💰 Mortgage arrears
📉 Forced selling
👥 Buyer demand

For buyers, a softer market can mean more choice, less competition and greater negotiating power.

The key isn't predicting where the market will bottom.

It's knowing your numbers and making sure your strategy works in different market conditions.

Thinking about buying or reviewing your home loan?

Let's run the numbers.

🌐 indifinance.com.au
📧 [email protected]

02/10/2026

What is a home loan pre-approval❓

Pre-approval provides an indication of how much a lender may be willing to lend you before you've found a property.

It can help you understand your budget, narrow your property search, and give you greater confidence when making offers.

While pre-approval is not a guarantee of final approval, it can be a valuable first step in your home buying journey.

💬 Thinking about buying? Speak with Indi Finance about whether pre-approval is right for you.

🔗 https://indifinance.com.au/buying-a-new-home-in-melbourne/

30/09/2026

✅ Why Pre-Approval Matters

Pre-approval gives you a clearer understanding of your borrowing capacity before you start making offers.

It can help you:
✔️ Understand your budget
✔️ Shop with confidence
✔️ Move quickly when you find the right property
✔️ Avoid disappointment later

While pre-approval isn't a guarantee of final approval, it's often an important step in preparing for your home purchase.

📞 Thinking about buying? Let's discuss whether pre-approval is right for you.

👉 Get in touch:
🌐 indifinance.com.au
📧 [email protected]

29/09/2026

The RBA has increased the cash rate by 0.25% to 4.60% - the first increase since May and the highest cash rate since 2011.

The decision comes as inflation remains elevated, with higher fuel prices, rising business costs and stronger-than-expected inflation data adding pressure.

While the economy is showing signs of slowing, the RBA believes inflation remains too high and has decided that further tightening is needed to bring it back towards target.

What does this mean for borrowers?
The cash rate has now increased to 4.60%, and lenders are expected to announce changes to their variable home loan rates over the coming days.

If your loan rate increases, your repayments may also change.

With rates moving again, it could be a good time to check:
✔️ Is your current rate competitive?
✔️ Is your loan structure still right for you?
✔️ Are your repayments still comfortable?
✔️ Have your circumstances or plans changed?

If you'd like to understand what the latest rate rise means for your home loan, let's have a chat.

Get in touch with Indi Finance to review your options.
🌐 indifinance.com.au
📧 [email protected]

Address

Suite 451, Waterman Narre Warren, Level 2, 66 Victor Crescent
Berwick, VIC
3806

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+61391250074

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