Indigo Finance

Indigo Finance Indigo Finance is a Sydney based mortgage & finance broker working with clients throughout Australia to provide optimal finance solutions.

Melanie Cunliffe is a credit representative (392843) of BLSSA Pty Ltd CAN 117 651 760 (Australian Credit Licence 391

Offset account or redraw facility? Most people don't know the difference, until it costs them. 👇On the surface they look...
28/05/2026

Offset account or redraw facility? Most people don't know the difference, until it costs them. 👇

On the surface they look similar. Both reduce the interest you pay. Both let you access extra money. But the way they work, and the impact they can have on your long-term strategy, is very different.

Here's the simplest way to think about it:

Offset account: your money sits in a separate account linked to your loan. You keep full ownership and access. Clean, flexible, powerful for investors.

Redraw facility: extra repayments go into the loan itself. You can pull them back out - but access can be restricted, and it can create tax complications down the track.

The hidden trap? If you ever plan to invest in property, upgrade your home, or access equity later - the structure you choose today can either help or seriously hurt you.

We've seen small decisions at loan setup have a six-figure impact over time. It's worth getting it right from the start.

Full explainer in our blog: https://www.indigofinance.com.au/offset-vs-redraw/

26/05/2026

Before you spend $50k renovating your investment property — ask yourself these 4 questions. 👇

Not all renovations are created equal. And the way you fund a reno can affect your tax position, your cash flow, and your long-term strategy in ways most people don't think about until it's too late.

Thinking about a reno? DM us first — we'll make sure your loan structure is set up to work for you, not against you. 💬

PropertyInvestor

Meet David! 👋After 8 years across banking, financial services and property, David has joined the Indigo Finance team as ...
24/05/2026

Meet David! 👋

After 8 years across banking, financial services and property, David has joined the Indigo Finance team as a Lending Adviser - and we couldn't be more excited to have him.

In his own words:
"What excites me most is the opportunity to work alongside a team of genuinely great people whose values align closely with my own. The culture and people really stood out to me - and I'm excited to bring that experience to help more clients achieve their
property goals with the right guidance and support."

Welcome to the team, David. 🙏

✨There’s nothing better than hearing clients come to us through word of mouth, and leave wanting to recommend us thems...
21/05/2026

✨

There’s nothing better than hearing clients come to us through word of mouth, and leave wanting to recommend us themselves. 🏡

"Melanie was recommended by a colleague who told me my journey with Melanie and her team would be smooth, efficient and agreeable. And that is exactly what has happened for me. This was my first purchase and I was a bit nervous, but thanks to Melanie and V, the whole process was quick and stressless. I will certainly continue to spread the word around me and engage them again should I decide to purchase another property!"

Fresh property market data just dropped - and the story is all about where you're buying. 👇Perth values are up 26% over ...
21/05/2026

Fresh property market data just dropped - and the story is all about where you're buying. 👇

Perth values are up 26% over the past year. Melbourne? Just 2%. That's a 24 percentage point gap, and it tells you everything about how different the Australian property market is right now depending on your location.

Here's what else the latest data is showing:

🔻 Sydney values fell 0.6% in April, now 1.0% below their November 2025 peak
🔻 Melbourne values fell 0.6% in April, 2.3% below their March 2022 high
🔺 Perth up 26% annually - at a record high
🔺 Brisbane up 19.7% annually - at a record high
💼 Vendor discounting rising - median discount across capital cities now 3.1%
💼 New listings up, total stock still 9.6% below the five-year average

For buyers, rising vendor discounts and more listings means improved negotiating conditions. For investors, tight vacancy rates and strong rental growth remain the story.

Want to talk through what this means for your plans? DM us. 💬

Your grocery bill is up. Petrol is up. Your wage isn't keeping pace.There's a name for this, and it's worth understandin...
13/05/2026

Your grocery bill is up. Petrol is up. Your wage isn't keeping pace.

There's a name for this, and it's worth understanding.

Stagflation is what happens when high inflation, slowing growth and rising unemployment all hit at the same time. What makes it particularly tricky is that the usual fixes work against each other. The RBA can raise rates to fight inflation, but that risks crushing growth. It can cut rates to boost the economy, but that risks making inflation worse.

Right now, several of Australia's key economic indicators are moving in the wrong direction simultaneously.

The good news? There are practical steps you can take today to make sure your mortgage and finances are in the best possible shape whatever happens next.

Full breakdown at the link below. Worth a read. 👇
https://www.indigofinance.com.au/stagflation-mortgages-2026/

'No stone is left unturned.' 🙏This is exactly what we set out to do for every single client — make sure you walk away kn...
08/05/2026

'No stone is left unturned.' 🙏

This is exactly what we set out to do for every single client — make sure you walk away knowing you've got the best deal available to you, with someone in your corner the whole way through.

If you're looking for a lending adviser who will do the work properly and keep you informed at every step, we'd love to chat.

The RBA has just raised the cash rate to 4.35%. 🏦That's the third rise this year - and it means repayments just went up ...
05/05/2026

The RBA has just raised the cash rate to 4.35%. 🏦

That's the third rise this year - and it means repayments just went up again.

Here's what it could mean in real numbers 👇

💰 $500k loan → +$78/month
💰 $600k loan → +$95/month
💰 $750k loan → +$120/month
💰 $1M loan → +$160/month

The RBA's reasoning? Inflation is still sitting above their 2–3% target, the labour market remains strong, and household spending has been more resilient than they expected. With fuel prices still elevated from the Middle East conflict, they've decided they need to keep acting.

What does this mean for you?

If you're on a variable rate, your lender will likely pass this on within the next few weeks. If you're on a fixed rate that's expiring soon, now is the time to understand your options, not after it rolls over.

And if you haven't reviewed your mortgage in the past 12 months, this is your sign. 👋

Drop us a DM - we'll help make sure you're on the best rate available to you.

The budget is coming. And we're hearing… waiting.Conversations are slower. Decisions are on pause. And honestly? That's ...
03/05/2026

The budget is coming. And we're hearing… waiting.

Conversations are slower. Decisions are on pause. And honestly? That's understandable.

But here's what we're watching closely...

The budget won't shift the market overnight. And yet the hesitation is real.
Because it's not really about policy.
It's about uncertainty.

And while everyone waits, the market doesn't.

"Be fearful when others are greedy, and greedy when others are fearful." is a Warren Buffet quote that resonates.

Rate rises have already changed the landscape. Supply is still tight. Demand hasn't disappeared. For many of our clients, the ability to act is still there, it just looks a little different than it did 12 months ago.

So if you've been sitting on a decision, the most valuable thing you can do right now isn't wait for the budget to hand you clarity.

It's to understand your actual position.

That's what we're here for. 💜

The RBA meets next week. And after yesterday's inflation data, the decision just got a lot harder to call.CPI hit 4.6% i...
30/04/2026

The RBA meets next week. And after yesterday's inflation data, the decision just got a lot harder to call.

CPI hit 4.6% in the year to March — the highest in over two years. The trimmed mean (the number the RBA actually watches most closely) came in at 3.3% — still above their 2–3% target.

Markets are now pricing in a ~70% chance of a third consecutive rate rise next week.

Here's what that could mean for borrowers 👇

On a $600,000 loan: another 0.25% rise adds roughly $95/month to repayments.
On a $750,000 loan: that's around $120/month.
On a $1,000,000 loan: approximately $160/month.

The RBA's challenge right now is a difficult one - inflation is being driven largely by global fuel prices from the conflict in the Middle East. Raising rates won't bring down oil prices. But it can signal their commitment to keeping inflation expectations anchored.

If you're wondering what a rate rise (or hold) means for your specific situation, drop us a DM and we'll talk you through it. 💬

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Level 11, 66 Clarence Street
Sydney, NSW
2000

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Tuesday 9am - 5pm
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Thursday 9am - 5pm
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