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

Fresh property market data just landed. 🏠The short version: Sydney and Melbourne values dipped again in May, both still ...
22/06/2026

Fresh property market data just landed. 🏠

The short version: Sydney and Melbourne values dipped again in May, both still sitting below their 2025/2022 peaks. Perth, Brisbane, Adelaide and Darwin, on the other hand, just hit record highs.

Here's the part that doesn't always make the headlines: even where prices have fallen, mortgages haven't gotten any cheaper to hold. In Brisbane, the household income needed to service a median house has jumped by close to $17,000 since January, purely because of rate rises. The RBA also held the cash rate in June after three hikes this year, so that pressure isn't easing yet.

We read through the full data pack each month so we can give you the practical version, what it actually means for borrowers and investors, not just the topline numbers.

Want the full breakdown? DM us and we'll send through the pack. 💬

✨Buying your first home is a huge milestone, and having the right people by your side can make all the difference. 🏡"M...
18/06/2026

✨

Buying your first home is a huge milestone, and having the right people by your side can make all the difference. 🏡

"Melanie was our first impression when dealing with Indigo Finance, and she was exceptionally kind, warm, and clear about the process and expectations. We took our time, probably overthinking our situation, but Melanie remained gracious and never made us feel inadequate during the journey to buying our first Australian home.

When the moment came, Ver took over and made the process easy and straightforward, regardless of our endless questions and concerns. Thank you both for keeping things simple, for being calm, and for reassuring us that everything would be okay. A special thank you to Ver for following up on every single step and even driving through Sydney to ensure all our documents were in order.

We're truly grateful, and couldn't recommend Indigo Finance more highly."

No change today.The RBA held the cash rate at 4.35%, and after three rises already earlier this year, this hold is a mom...
16/06/2026

No change today.

The RBA held the cash rate at 4.35%, and after three rises already earlier this year, this hold is a moment to breathe.

But let's be honest: holding isn't the same as cutting. Inflation is still at 4.2%, above where the RBA wants it. And some of the big 4 are still tipping further rises ahead.

A hold isn't a green light to set and forget. It's a good time to check whether your current rate is still competitive. If you've been waiting to review your loan, this pause could be a good moment.

DM us anytime. 💬

Variable or fixed - which is right for you right now? It's the question we're getting asked every week at the moment, an...
10/06/2026

Variable or fixed - which is right for you right now?

It's the question we're getting asked every week at the moment, and honestly, it's a reasonable one to be asking.

The RBA has already hiked three times this year. The cash rate is at 4.35%. And the big four banks can't even agree on whether it's done, ANZ and CBA say hold, NAB is tipping one more rise, Westpac is forecasting two.

What we know from working with clients through this is that the answer is rarely about the rate itself. It's about your situation: your buffer, your income, and how much another rise would genuinely hurt.

Our latest blog goes through both options in context for 2026

Read it here 👉https://www.indigofinance.com.au/decoding-variable-vs-fixed-rate-debate/

And if you'd like us to run the numbers for your specific loan, drop us a message. Happy to help. 🙌

✨We know finance journeys come with plenty of questions — and we’re always happy to answer every single one. 😊"Melanie...
05/06/2026

✨

We know finance journeys come with plenty of questions — and we’re always happy to answer every single one. 😊

"Melanie and V from Indigo were both very helpful and supportive. Mel in particular worked through the finance options and answered the (MANY) questions we had, always with a smile! She made it a seamless process. Very happy. Thank you team!"

A few of the Indigo Finance team — spotted at last month's 'What's at the heart of your financial strategy?' evening. ❤️...
04/06/2026

A few of the Indigo Finance team — spotted at last month's 'What's at the heart of your financial strategy?' evening. ❤️

Events like that remind us why we do what we do. We talk a lot about rates, structures and strategies - and all of that matters. But what we're really here for is showing up for people at one of the biggest financial moments of their lives and making sure they get it right.

We don't just help people get home loans. We help them build futures.

Proud of this team every single day.

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!"

Address

Level 11, 66 Clarence Street
Sydney, NSW
2000

Opening Hours

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

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