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

“I love to make money, but I don't just work for money; I love what I do. I work for the art. I've always felt like mone...
02/09/2026

“I love to make money, but I don't just work for money; I love what I do. I work for the art. I've always felt like money is like the ocean – it rolls in, it rolls out, and you have to keep an open hand, an open mind, an open heart. But you have to keep your brain in gear. Money is good, but it's not everything. I think if you do good work and keep your mind on your business, you'll make enough.” Dolly Parton

Thanks to the NextGen team for inviting us to participate in their annual roundtable and keeping my brain in gear. Always a pleasure to bounce ideas with industry peers around the future of industry.

Renee thanks for doing an amazing job of facilitating and sharing this quote - it really resonated with us!

NextGen

You track your steps. Your sleep. Your heart rate. But when did you last check your mortgage rate? 👇In a recent survey c...
27/08/2026

You track your steps. Your sleep. Your heart rate. But when did you last check your mortgage rate? 👇

In a recent survey clients, almost 1 in 3 homeowners told us they'd never reviewed their home loan since taking it out.

The cash rate has now been held at 4.35% for two meetings running, after three rises earlier this year. But a hold doesn't mean your loan is still competitive; if you haven't reviewed it in the past 12 months, there's a good chance you're not on the best deal available.

Here's the thing - your lender isn't automatically keeping your rate competitive. The best deals go to new customers. Long-term borrowers quietly drift onto higher rates without realising it.

In many cases, a better rate doesn't even require refinancing. A broker negotiating on your behalf with your existing lender is often all it takes.

If you'd like us to run a free comparison and check whether you're on the best rate available - get in touch.💬

More than just getting the finance sorted, we want our clients to feel like they have a team alongside them throughout t...
19/08/2026

More than just getting the finance sorted, we want our clients to feel like they have a team alongside them throughout the journey.

"Our experience with Indigo – both Ankeet and Verushka – went above and beyond in regards to support, communication, responsiveness, professionalism and information. We are very impressed, they are true partners from beginning to the end. Thank you!"

Shoutout to Ankeet and Verushka for being true partners to our clients from beginning to end. 👏

The August Cotality Housing Chart Pack just dropped, and there's a lot in it worth knowing. 👇🔻 National dwelling values ...
17/08/2026

The August Cotality Housing Chart Pack just dropped, and there's a lot in it worth knowing. 👇

🔻 National dwelling values fell 1.9% over the three months to July - Sydney and Melbourne led the pullback, down 4.0% and 3.4% for the quarter, and both now slightly negative for the year too

🔺 Zoom out nationally though, and annual growth is still positive at 5.3%, with Perth (+20.5%), Brisbane (+14.8%) and the regions (+9.7%) doing the heavy lifting

🏠 Homes are taking a little longer to sell (35 days, up from 29 a year ago), and vendor discounts have widened to 3.8% — good news if you're negotiating as a buyer

📈 Rents are still climbing, up 5.9% annually and outpacing wage growth of 3.3%

Uncertainty is a reason to be thoughtful. Not a reason to stop.

Want the full picture? DM us for your copy of the report.💬

Source: Cotality Monthly Housing Chart Pack, August 2026

Equity on paper isn't the same as equity you can actually use. 👇It's one of the questions we hear most, in fact it was o...
14/08/2026

Equity on paper isn't the same as equity you can actually use. 👇

It's one of the questions we hear most, in fact it was on the most common questions in our recent client survey.

Swipe through to see the difference, what actually limits your usable equity, and a real example on a $1,000,000 property.

Want to know your own number? DM us and we'll talk you through it.

The RBA has left the cash rate on hold this month. No change, no news, right?Not quite. 👇Even when the RBA holds, lender...
11/08/2026

The RBA has left the cash rate on hold this month. No change, no news, right?

Not quite. 👇

Even when the RBA holds, lenders keep moving:

🟢 Competition between lenders is heating up
🟢 Some are adjusting rates to win new business
🟢 Cashback deals are back on the table for eligible refinancers
🟢 New loan products are landing, built for different types of borrowers

A hold from the RBA doesn't mean your options have stayed the same.

If you're buying, investing, refinancing, or just wondering whether your current loan is still pulling its weight, DM us. We keep our finger on the pulse so you don't have to.

Cash rate: 4.35% (unchanged)

The RBA meets 10–11 August. Hold or rise? Here's what the market is watching. 👇The cash rate has been at 4.35% since May...
06/08/2026

The RBA meets 10–11 August. Hold or rise? Here's what the market is watching. 👇

The cash rate has been at 4.35% since May, after three hikes this year. Since then, the June quarter inflation numbers came in softer than expected. That's shifted the mood.

All four major banks are now leaning toward a hold on Tuesday. But the RBA has been clear it will move again if it needs to, so this one isn't a foregone conclusion.

Decision drops next Tuesday. We'll have the result and what it means for your repayments up straight after.

Got a rate question before then? DM us.💬

04/08/2026

If you’ve got an auction coming up and you’re feeling nervous, you’re not alone.

In this video, David Ramyan shares why knowing your numbers beforehand is key to bidding with confidence.

The pressure of a fast-moving auction can make it easy to lose sight of what matters. Before you bid, make sure you understand:
1. Your walk-away number
2. Your repayment comfort zone
3. Your financial buffer line

With the right finance strategy in place, you can make decisions based on confidence, not pressure.

If you’re preparing to buy, speak with the Indigo Finance team and get your finances ready. Link in bio.

"I would recommend Indigo Finance to anybody." 🙌This client has been with us through three mortgages now, and that kind ...
04/08/2026

"I would recommend Indigo Finance to anybody." 🙌

This client has been with us through three mortgages now, and that kind of trust is what we work for every day.

"Melanie and her very friendly team go above and beyond to provide a caring personal service you would not get through the banking system."

That's the difference a broker relationship makes over the life of your loan, not just at settlement.

Thinking about your next move? DM us. 💬

Using equity in your home to buy an investment property? Your lender might be tying both properties together without you...
28/07/2026

Using equity in your home to buy an investment property? Your lender might be tying both properties together without you realising it. 👇

It's called cross-collateralisation, and it sounds complicated but the idea is simple: instead of each property having its own separate loan, both properties become security for the combined debt.

It can feel convenient at first. Less paperwork, one lender, your equity put to work.

But it can also mean:
💬 Selling one property later isn't as simple as it should be
💬 Refinancing needs your lender's sign-off on your whole portfolio, not just one loan
💬 A problem with one loan can affect the other

There's another way to structure it that keeps your properties separate while still using your equity to grow your portfolio.

Check out our blog for the full explainer: https://www.indigofinance.com.au/cross-collateralisation-explained/

Not sure how your loans are currently set up? DM us and we'll take a look.

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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