Discovery Meeting

For us, this is probably one of the most exciting steps in the process because we discover more about you. Prior to our meeting, we’ll already have gathered some information about your financial position, and we’ll have a good idea of what you’d like to achieve.

This allows us to:

  • Come prepared with your borrowing capacity
  • Provide figures on what you’ll need to borrow
  • Advise you of all fees or purchase costs
  • Provide summaries of how any proposed loans would look (in line with current interest rates)

While we have some information, during this meeting we’d like to fully understand:

  • Your short and long term goals
  • Your lifestyle
  • How you manage your money

Once we have these details, we can discuss suitable loan features and products that will work within your budget. We’ll also recommend the right strategy around your lending and banking, and can visually map out how everything will work together.

We are proud and humbled to have worked with hundreds of happy customers. We look forward to helping you meet your goals too!

We research and compare

As with every step in our process, this is where you (deservedly and rightfully!) relax, while we do the hard work.

Save time. Loads of it.
If you’re ready to proceed, we use our expertise, lender knowledge, experience and industry relationships to find the most suitable loan for your specific needs. You’re an expert in your field. We’re an expert in ours. This step alone saves you countless hours and provides priceless peace of mind.

Wide network. VIP information.
We work with a wide range of over 30+ lenders, including all the major banks and a number of alternative options you likely don’t have access to. We keep our finger on the pulse when it comes to the latest offers and policies and never hesitate to negotiate on your behalf.

We know the best deals
We are ranked in the top tier of brokers with a number of lenders. We know all about the best deals, inside and out, and we’re going to find the best one for you. It’s important to note that the best deal is not necessarily solely based on the cheapest rate, it’s also based on the features and structure of the loan.

In fact, the cheapest rate with a particular lender can end up being costly and headache-ridden in the long run. Rest assured, we know the tricks of the trade, and there can be many!

Lending Plan
When we’re finished, we shortlist the preferable lenders and products that meet all your requirements with a particular focus upon the right structure and features. We present our personalised Lending Plan to you, highlighting our top pick! At this point, feel free to ask as many questions as you like, we’re here to help, guide and support.

Getting your loan in place

Life can be busy enough without the additional worry of having to manage an entire loan process, so leave this process to us. We’ll take care of everything, allowing you to focus on what matters most.

Loan management from start to finish
Once we’ve agreed on the best way forward, your dedicated lending co-ordinator will prepare the application and all paperwork. All you need to do is review, sign and send the documents back to us for immediate electronic delivery to the lender.

We’ll provide a timeframe for responses throughout the journey, keeping you informed regularly. Rest assured, we’ll keep a close eye on your loan application to ensure everything’s always on track and approved in a timely manner.

Peace of mind from beginning to end
We will also liaise with your team – solicitor, real estate agent, buyers’ agent and so on, to ensure everything runs smoothly.  Once your loan is approved, we will guide you through signing any relevant loan offer documents.

All the while, we’ll talk you through every document and step. We’ll cut through the jargon in order to explain how your mortgage works in plain English.

Getting Settled
We will take the fuss out of actually setting up your mortgage too.  We’ll arrange any new bank accounts and credit cards as part of your overall plan, ensuring you’re ready to go once settlement has occurred.

We are passionate about helping you reach this pinnacle milestone in your journey!

Ongoing care

One week: Post settlement call
We’ll contact you within a week to ensure all went as you expected, and you’re all settled into your new loan arrangements. We’ll also seek your feedback on your Indigo Finance experience. Hopefully it’s been a positive one! We welcome all feedback so we can keep providing the best possible service.

Five week: check in
We’ll contact you in five weeks to check that your first repayment went through as planned, and that everything is set up correctly. If you have any issues, please let us know so we can address them. Otherwise, all should now run smoothly, and you can ‘set and forget’.

Continual Support

We’re here to help, always.
If at any time you wish to consider fixing your loan, changing repayment type or opening a new account or credit card, please get in touch. We are more than happy to facilitate any or all of these things for you, to ensure your position is always optimised and that you’re always getting the best deal possible.

We know that sometimes dealing directly with banks and other lenders can be frustrating. We have our own contacts and a strong relationship with branches, which means you’re looked after quickly, efficiently and effectively.

Annual Review
As part of our ongoing service, we invite you to take up a review of your loan every year. Rest assured, we won’t invent reasons to change it! As your lifestyle changes (such as a growing family) your loan may need to change too. A regular review just ensures that you’re always getting the best and fairest deal possible.

Also, it doesn’t necessarily require major changes like refinancing, it can just be minor loan or banking tweaks.

The annual review can take just 20 minutes on the phone but could save you thousands of dollars. It’s an important part of ensuring your loan still suits your ongoing needs, and is still working optimally.

During your annual review, if we feel there is a more optimal loan, we’ll certainly let you know. Likewise, if at any point you’d like to explore refinancing, please get in touch with us, we’re only too happy to take the journey with you again.

General information:

  • When considering refinancing, it’s really important to compare and evaluate any fees or charges versus the benefits. Lenders often advertise teaser interest rates to entice, however, if the product doesn’t suit your goals and lending plan, it can end up costing more in the long term.
  • If after our comparison and evaluation we believe refinancing is the best option, we’ll facilitate refinancing to another lender from start to finish again, right from selection to approval.
  • As an existing client, we can make this easy, often just requiring up-to-date information and documents. It’s simple and pain-free! You don’t have to invest time sharing your story with us all over again because we already know your plan and strategy.

Remember, we are not aligned to one lender, only aligned to your best interests. This means you can always remain a client of Indigo Finance, having full peace of mind about our trustworthiness and objectivity.