To solve variational indefinite problems, a celebrated tool is the Banach-Nečas- Babuška theory, which relies on the inf-sup condition. Here, we choose an alternate theory, T-coercivity. This theory relies on explicit inf-sup operators, both at the continuous and discrete levels. It is applied to solve Helmholtz-like problems in acoustics and electromagnetics. We provide simple proofs to solve the exact and discrete problems, and to show convergence under fairly general assumptions. We also establish sharp estimates on the convergence rates.