← Home Loans & Finance
A home for all your investment property loan needs.
An investment property mortgage broker compares investor loans across a big panel of lenders (ours has 60+), so you get the right rate, structure and use of equity, not just one bank's product. Most Melbourne investors need a 20% deposit or usable equity to avoid LMI, and the 2026 negative gearing changes make getting the structure right matter more than ever.
Best Interests Duty
60+ lenders compared
Reviews after settlement
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Investment property finance built on values actually mean something
Getting into an investment property is one thing. Building a portfolio that works for you long term is another. Here is how we approach investment lending.
Related services: Property wealth planning, SMSF loans, Refinancing
01
Your Goals First
We start by understanding your investment strategy, whether that is one property or ten, and structure your finance around what you are actually trying to build.
02
Independent Advice
We are not tied to any lender. We compare 30+ options and recommend what genuinely fits your strategy, not what is easiest to place.
03
Equity Thinking
Every loan we structure is built with your next purchase in mind. We make sure your current finance does not become a barrier to growing your portfolio.
04
Long-Term Focus
We stay with you across your entire portfolio journey, reviewing loans, identifying refinancing opportunities, and helping you plan each new purchase as your wealth grows.
05
Dedication to Results
Investment lending is more complex than owner-occupier lending. We bring the expertise and attention to detail it requires to get the best possible outcome for every client.
TOP LENDERS WE WORK WITH
With over 60+ lenders on our panel, some you've never heard of.
As a mortgage broker, we are governed by our 'Best Interest Duty', which ensures that we are looking out for you, your needs and goals versus a banks bottom line.
What we help with
Finance services built for property investors.
The finance services property investors rely on to structure their loans correctly and grow their portfolio strategically.
01
Investment Property Loans
We compare 60+ lenders to find the right rate and structure for your investment strategy, whether you are buying your first property or adding to an existing portfolio.
02
Equity Assessment
We assess your current equity position and structure your loans so you can use what you have built to fund your next purchase without overexposing yourself.
03
Home Loan Pre-Approval
We secure a fully assessed pre-approval so you can move quickly and confidently when the right investment property comes up.
04
Refinancing
We review your investment loans regularly to make sure your rates stay competitive and your structure still makes sense as your portfolio grows.
05
Construction, House and Land
Specialists in both. We manage the full finance process from start to finish so your investment build stays on track financially throughout every stage.
06
Property Wealth Planning
We build a tailored plan that maps out how to use your income, equity, and borrowing capacity to grow your portfolio strategically over time.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
If these problems sound familiar, you're not alone.
The investment loan challenges most property investors face and exactly how we solve them.
Without Elephant
Loan structured incorrectly
Equity sitting idle
Overpaying on existing loans
No plan for the next property
Broker disappears after settlement
With Elephant Advisory
Structured for equity and deductibility
Equity assessed and built into your strategy
Regular reviews to keep rates competitive
Wealth plan mapping out each step
Long-term partner across your portfolio
“At Elephant Advisory, we help property investors structure their finance correctly from the first purchase so every loan they take out is built to support the one that comes after it.”
Free tools
Run the numbers first
Your finance expert
Meet your broker
Gavin Hepponstall
Director & Head of Finance
Gav is the person you want in your corner when it comes to property finance. After years in banking and motor trade finance, he joined Elephant early and never looked back. He’s passionate about combining property and finance to help clients achieve their goals through tailored financial structuring, and he’s very serious about snacks at meetings.
FAQ
Let's clear a few things up.
No jargon, no runaround - just honest answers.
Because lenders treat investors very differently: rates, deposit rules, how much rent they count and limits on interest-only all vary. A broker compares that across lots of lenders and sets the loan up around your tax position and your next purchase, not just today's rate.
Usually 20% of the price plus stamp duty and costs, so you avoid lenders mortgage insurance. Some lenders will go higher with LMI. Plenty of investors skip the cash deposit altogether and use equity in their home instead.
Yes. Lenders typically let you borrow up to 80% of your home's value, less what you owe. A home worth $800,000 with $400,000 owing has about $240,000 of usable equity. We set that up as a separate loan split so the investment borrowing stays clean for tax.
Usually a little higher than owner-occupier rates, and interest-only investor loans tend to cost more again. The gap changes from lender to lender, which is exactly why comparing a big panel pays off.
From 1 July 2027, investors who buy an established home after 7.30pm on 12 May 2026 can only offset net rental losses against residential property income or gains, not their salary. Newly built homes keep the old treatment, and earlier purchases are grandfathered. Talk to your accountant before you pick the property and the loan structure.
Lenders count most, but not all, of the expected rent as income, then test your repayments at your rate plus a 3% buffer. Your current home loan, other debts and living costs all pull the number down. Our borrowing power calculator gives a quick estimate, and we'll check the real lender policies for you.
Home Loans & Property
Read before you apply
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
How to Increase Your Borrowing Capacity Quickly and Easily
The fastest way to lift your borrowing power is to review your debts. Which credit cards, loans and HECS to close, and which to keep as a buffer.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
← Home Loans & Finance
A home for all your investment property loan needs.
An investment property mortgage broker compares investor loans across a big panel of lenders (ours has 60+), so you get the right rate, structure and use of equity, not just one bank's product. Most Melbourne investors need a 20% deposit or usable equity to avoid LMI, and the 2026 negative gearing changes make getting the structure right matter more than ever.
Best Interests Duty
60+ lenders compared
Reviews after settlement
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Investment property finance built on values actually mean something
Getting into an investment property is one thing. Building a portfolio that works for you long term is another. Here is how we approach investment lending.
Related services: Property wealth planning, SMSF loans, Refinancing
01
Your Goals First
We start by understanding your investment strategy, whether that is one property or ten, and structure your finance around what you are actually trying to build.
02
Independent Advice
We are not tied to any lender. We compare 30+ options and recommend what genuinely fits your strategy, not what is easiest to place.
03
Equity Thinking
Every loan we structure is built with your next purchase in mind. We make sure your current finance does not become a barrier to growing your portfolio.
04
Long-Term Focus
We stay with you across your entire portfolio journey, reviewing loans, identifying refinancing opportunities, and helping you plan each new purchase as your wealth grows.
05
Dedication to Results
Investment lending is more complex than owner-occupier lending. We bring the expertise and attention to detail it requires to get the best possible outcome for every client.
TOP LENDERS WE WORK WITH
With over 60+ lenders on our panel, some you've never heard of.
As a mortgage broker, we are governed by our 'Best Interest Duty', which ensures that we are looking out for you, your needs and goals versus a banks bottom line.
What we help with
Finance services built for property investors.
The finance services property investors rely on to structure their loans correctly and grow their portfolio strategically.
01
Investment Property Loans
We compare 60+ lenders to find the right rate and structure for your investment strategy, whether you are buying your first property or adding to an existing portfolio.
02
Equity Assessment
We assess your current equity position and structure your loans so you can use what you have built to fund your next purchase without overexposing yourself.
03
Home Loan Pre-Approval
We secure a fully assessed pre-approval so you can move quickly and confidently when the right investment property comes up.
04
Refinancing
We review your investment loans regularly to make sure your rates stay competitive and your structure still makes sense as your portfolio grows.
05
Construction, House and Land
Specialists in both. We manage the full finance process from start to finish so your investment build stays on track financially throughout every stage.
06
Property Wealth Planning
We build a tailored plan that maps out how to use your income, equity, and borrowing capacity to grow your portfolio strategically over time.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
If these problems sound familiar, you're not alone.
The investment loan challenges most property investors face and exactly how we solve them.
Without Elephant
Loan structured incorrectly
Equity sitting idle
Overpaying on existing loans
No plan for the next property
Broker disappears after settlement
With Elephant Advisory
Structured for equity and deductibility
Equity assessed and built into your strategy
Regular reviews to keep rates competitive
Wealth plan mapping out each step
Long-term partner across your portfolio
“At Elephant Advisory, we help property investors structure their finance correctly from the first purchase so every loan they take out is built to support the one that comes after it.”
Free tools
Run the numbers first
Your finance expert
Meet your broker
Gavin Hepponstall
Director & Head of Finance
Gav is the person you want in your corner when it comes to property finance. After years in banking and motor trade finance, he joined Elephant early and never looked back. He’s passionate about combining property and finance to help clients achieve their goals through tailored financial structuring, and he’s very serious about snacks at meetings.
FAQ
Let's clear a few things up.
No jargon, no runaround - just honest answers.
Because lenders treat investors very differently: rates, deposit rules, how much rent they count and limits on interest-only all vary. A broker compares that across lots of lenders and sets the loan up around your tax position and your next purchase, not just today's rate.
Usually 20% of the price plus stamp duty and costs, so you avoid lenders mortgage insurance. Some lenders will go higher with LMI. Plenty of investors skip the cash deposit altogether and use equity in their home instead.
Yes. Lenders typically let you borrow up to 80% of your home's value, less what you owe. A home worth $800,000 with $400,000 owing has about $240,000 of usable equity. We set that up as a separate loan split so the investment borrowing stays clean for tax.
Usually a little higher than owner-occupier rates, and interest-only investor loans tend to cost more again. The gap changes from lender to lender, which is exactly why comparing a big panel pays off.
From 1 July 2027, investors who buy an established home after 7.30pm on 12 May 2026 can only offset net rental losses against residential property income or gains, not their salary. Newly built homes keep the old treatment, and earlier purchases are grandfathered. Talk to your accountant before you pick the property and the loan structure.
Lenders count most, but not all, of the expected rent as income, then test your repayments at your rate plus a 3% buffer. Your current home loan, other debts and living costs all pull the number down. Our borrowing power calculator gives a quick estimate, and we'll check the real lender policies for you.
Home Loans & Property
Read before you apply
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
How to Increase Your Borrowing Capacity Quickly and Easily
The fastest way to lift your borrowing power is to review your debts. Which credit cards, loans and HECS to close, and which to keep as a buffer.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
← Home Loans & Finance
A home for all your investment property loan needs.
An investment property mortgage broker compares investor loans across a big panel of lenders (ours has 60+), so you get the right rate, structure and use of equity, not just one bank's product. Most Melbourne investors need a 20% deposit or usable equity to avoid LMI, and the 2026 negative gearing changes make getting the structure right matter more than ever.
Best Interests Duty
60+ lenders compared
Reviews after settlement
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Investment property finance built on values actually mean something
Getting into an investment property is one thing. Building a portfolio that works for you long term is another. Here is how we approach investment lending.
Related services: Property wealth planning, SMSF loans, Refinancing
01
Your Goals First
We start by understanding your investment strategy, whether that is one property or ten, and structure your finance around what you are actually trying to build.
02
Independent Advice
We are not tied to any lender. We compare 30+ options and recommend what genuinely fits your strategy, not what is easiest to place.
03
Equity Thinking
Every loan we structure is built with your next purchase in mind. We make sure your current finance does not become a barrier to growing your portfolio.
04
Long-Term Focus
We stay with you across your entire portfolio journey, reviewing loans, identifying refinancing opportunities, and helping you plan each new purchase as your wealth grows.
05
Dedication to Results
Investment lending is more complex than owner-occupier lending. We bring the expertise and attention to detail it requires to get the best possible outcome for every client.
TOP LENDERS WE WORK WITH
With over 60+ lenders on our panel, some you've never heard of.
As a mortgage broker, we are governed by our 'Best Interest Duty', which ensures that we are looking out for you, your needs and goals versus a banks bottom line.
What we help with
Finance services built for property investors.
The finance services property investors rely on to structure their loans correctly and grow their portfolio strategically.
01
Investment Property Loans
We compare 60+ lenders to find the right rate and structure for your investment strategy, whether you are buying your first property or adding to an existing portfolio.
02
Equity Assessment
We assess your current equity position and structure your loans so you can use what you have built to fund your next purchase without overexposing yourself.
03
Home Loan Pre-Approval
We secure a fully assessed pre-approval so you can move quickly and confidently when the right investment property comes up.
04
Refinancing
We review your investment loans regularly to make sure your rates stay competitive and your structure still makes sense as your portfolio grows.
05
Construction, House and Land
Specialists in both. We manage the full finance process from start to finish so your investment build stays on track financially throughout every stage.
06
Property Wealth Planning
We build a tailored plan that maps out how to use your income, equity, and borrowing capacity to grow your portfolio strategically over time.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
If these problems sound familiar, you're not alone.
The investment loan challenges most property investors face and exactly how we solve them.
Without Elephant
Loan structured incorrectly
Equity sitting idle
Overpaying on existing loans
No plan for the next property
Broker disappears after settlement
With Elephant Advisory
Structured for equity and deductibility
Equity assessed and built into your strategy
Regular reviews to keep rates competitive
Wealth plan mapping out each step
Long-term partner across your portfolio
“At Elephant Advisory, we help property investors structure their finance correctly from the first purchase so every loan they take out is built to support the one that comes after it.”
Free tools
Run the numbers first
Your finance expert
Meet your broker
Gavin Hepponstall
Director & Head of Finance
Gav is the person you want in your corner when it comes to property finance. After years in banking and motor trade finance, he joined Elephant early and never looked back. He’s passionate about combining property and finance to help clients achieve their goals through tailored financial structuring, and he’s very serious about snacks at meetings.
FAQ
Let's clear a few things up.
No jargon, no runaround - just honest answers.
Because lenders treat investors very differently: rates, deposit rules, how much rent they count and limits on interest-only all vary. A broker compares that across lots of lenders and sets the loan up around your tax position and your next purchase, not just today's rate.
Usually 20% of the price plus stamp duty and costs, so you avoid lenders mortgage insurance. Some lenders will go higher with LMI. Plenty of investors skip the cash deposit altogether and use equity in their home instead.
Yes. Lenders typically let you borrow up to 80% of your home's value, less what you owe. A home worth $800,000 with $400,000 owing has about $240,000 of usable equity. We set that up as a separate loan split so the investment borrowing stays clean for tax.
Usually a little higher than owner-occupier rates, and interest-only investor loans tend to cost more again. The gap changes from lender to lender, which is exactly why comparing a big panel pays off.
From 1 July 2027, investors who buy an established home after 7.30pm on 12 May 2026 can only offset net rental losses against residential property income or gains, not their salary. Newly built homes keep the old treatment, and earlier purchases are grandfathered. Talk to your accountant before you pick the property and the loan structure.
Lenders count most, but not all, of the expected rent as income, then test your repayments at your rate plus a 3% buffer. Your current home loan, other debts and living costs all pull the number down. Our borrowing power calculator gives a quick estimate, and we'll check the real lender policies for you.
Home Loans & Property
Read before you apply
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
How to Increase Your Borrowing Capacity Quickly and Easily
The fastest way to lift your borrowing power is to review your debts. Which credit cards, loans and HECS to close, and which to keep as a buffer.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.