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← Home Loans & Finance
A home for all your home loan needs.
Your home loan is likely the biggest financial commitment you will ever make. We search 60+ lenders, negotiate the best rate, and stay by your side from first enquiry to final repayment.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Elephant Advisory is a Melbourne mortgage broker that compares home loans across 60+ lenders, negotiates your rate and manages the process from first enquiry through settlement and beyond.
Led by Gavin Hepponstall, Director & Head of Finance · Credit representative 570731.
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
Finding the right home loan with values that actually mean something
From the way we assess your situation to how we manage your settlement, our values guide every step.
Related services: First home buyers, Refinancing, Home loan pre-approval
01
GENUINE
We work for you, not the lender. Every recommendation we make is based on your goals, your situation, and what's genuinely best for your long-term financial position.
02
UNDERSTANDING
Buying property is one of the biggest financial decisions you'll ever make. We take the time to understand your goals, your borrowing capacity, and your options before we recommend anything.
03
INDEPENDENCE
With access to 60+ lenders including major banks and specialist lenders, we're never limited to one product. We find the best rate and structure for your situation, full stop.
04
DEDICATION
We don't disappear after settlement. We manage your loan, review it regularly, and make sure it keeps working for you long after the keys are handed over.
05
EXPERTISE
Our brokers have been placing home loans for over six years, earning multiple industry awards along the way. You're in experienced hands from the first conversation to the final payment.
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
Everything you need to find, secure, and manage the right home loan.
We compare 60+ lenders and manage the entire process so you never have to go it alone.
01
First Home Buyers
Buying your first home is a major milestone. We guide you through borrowing capacity, grants, and schemes so you can get into the market confidently.
02
Next Home Buyers
Upgrading, downsizing, or relocating? We assess your equity, compare 60+ lenders, and structure a loan that works for your next chapter.
03
Property Investment Loans
Building a portfolio starts with the right structure. We find finance that fits your wealth strategy and sets you up for long-term growth.
04
Refinancing
If your current loan isn't working hard enough, we review your rate and structure and find you a better deal across 60+ lenders.
05
Home Loan Pre-Approval
Pre-approval puts you in the strongest position when buying. We secure a fully assessed pre-approval so your finance is sorted before you make an offer.
06
Ongoing Loan Management
We don't set and forget. We review your loan regularly to make sure you're always on the best rate and structure as your situation evolves.
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
Getting a home loan shouldn't feel this hard.
The challenges most buyers face and exactly how we fix them.
Without Elephant
Overwhelmed by lender options
Paying a rate that costs thousands
Unsure how much you can borrow
Broker disappears after settlement
Limited to one bank's products
With Elephant Advisory
We compare 60+ lenders for you
We negotiate your rate from the start
Borrowing capacity assessed upfront
We manage your loan long-term
Independent advice, 60+ lenders
“Most people spend more on their home loan than they need to. We make sure our clients don’t. with independent advice, competitive rates, and a team that stays in your corner for the life of the loan.”
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.
We act entirely in your best interest, not the bank's. We compare home loan options across 60+ lenders, handle the paperwork, manage the application process, and stay with you from pre-approval through to settlement and beyond.
Going direct to a bank means seeing only their products. A broker gives you access to a wide panel of lenders and an independent view of which one suits your situation best. In most cases, a broker will find you a better rate and a more suitable product than going direct.
Yes. Pre-approval tells you exactly how much you can borrow and gives you the confidence to make offers and bid at auction without waiting on finance. It also signals to agents that you are a serious buyer, which can work in your favour.
We use our market knowledge, software, and understanding of your specific situation to narrow down the right lender. We look at rate, product features, serviceability criteria, and how each lender treats different types of borrowers. The right lender for you is not always the most obvious one.
Fixed rates lock in your repayments for a set period, usually one to five years, giving you certainty. Variable rates move with the market and typically offer more flexibility, including offset accounts and the ability to make extra repayments. The right choice depends on your goals and risk appetite.
Yes. We conduct regular reviews to make sure you are still on a competitive rate and the right structure as your circumstances change. If refinancing would save you money, we will tell you and manage the process.
Home Loans & Property
Read before you apply
Interest rates history in Australia: the cash rate since 1990
How the RBA cash rate has moved since 1990, from the 17.5% peak to the 0.10% low and back up to 4.85% in November 2026, and what each move means for your repayments.
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.
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 home loan needs.
Your home loan is likely the biggest financial commitment you will ever make. We search 60+ lenders, negotiate the best rate, and stay by your side from first enquiry to final repayment.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Elephant Advisory is a Melbourne mortgage broker that compares home loans across 60+ lenders, negotiates your rate and manages the process from first enquiry through settlement and beyond.
Led by Gavin Hepponstall, Director & Head of Finance · Credit representative 570731.
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
Finding the right home loan with values that actually mean something
From the way we assess your situation to how we manage your settlement, our values guide every step.
Related services: First home buyers, Refinancing, Home loan pre-approval
01
GENUINE
We work for you, not the lender. Every recommendation we make is based on your goals, your situation, and what's genuinely best for your long-term financial position.
02
UNDERSTANDING
Buying property is one of the biggest financial decisions you'll ever make. We take the time to understand your goals, your borrowing capacity, and your options before we recommend anything.
03
INDEPENDENCE
With access to 60+ lenders including major banks and specialist lenders, we're never limited to one product. We find the best rate and structure for your situation, full stop.
04
DEDICATION
We don't disappear after settlement. We manage your loan, review it regularly, and make sure it keeps working for you long after the keys are handed over.
05
EXPERTISE
Our brokers have been placing home loans for over six years, earning multiple industry awards along the way. You're in experienced hands from the first conversation to the final payment.
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
Everything you need to find, secure, and manage the right home loan.
We compare 60+ lenders and manage the entire process so you never have to go it alone.
01
First Home Buyers
Buying your first home is a major milestone. We guide you through borrowing capacity, grants, and schemes so you can get into the market confidently.
02
Next Home Buyers
Upgrading, downsizing, or relocating? We assess your equity, compare 60+ lenders, and structure a loan that works for your next chapter.
03
Property Investment Loans
Building a portfolio starts with the right structure. We find finance that fits your wealth strategy and sets you up for long-term growth.
04
Refinancing
If your current loan isn't working hard enough, we review your rate and structure and find you a better deal across 60+ lenders.
05
Home Loan Pre-Approval
Pre-approval puts you in the strongest position when buying. We secure a fully assessed pre-approval so your finance is sorted before you make an offer.
06
Ongoing Loan Management
We don't set and forget. We review your loan regularly to make sure you're always on the best rate and structure as your situation evolves.
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
Getting a home loan shouldn't feel this hard.
The challenges most buyers face and exactly how we fix them.
Without Elephant
Overwhelmed by lender options
Paying a rate that costs thousands
Unsure how much you can borrow
Broker disappears after settlement
Limited to one bank's products
With Elephant Advisory
We compare 60+ lenders for you
We negotiate your rate from the start
Borrowing capacity assessed upfront
We manage your loan long-term
Independent advice, 60+ lenders
“Most people spend more on their home loan than they need to. We make sure our clients don’t. with independent advice, competitive rates, and a team that stays in your corner for the life of the loan.”
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.
We act entirely in your best interest, not the bank's. We compare home loan options across 60+ lenders, handle the paperwork, manage the application process, and stay with you from pre-approval through to settlement and beyond.
Going direct to a bank means seeing only their products. A broker gives you access to a wide panel of lenders and an independent view of which one suits your situation best. In most cases, a broker will find you a better rate and a more suitable product than going direct.
Yes. Pre-approval tells you exactly how much you can borrow and gives you the confidence to make offers and bid at auction without waiting on finance. It also signals to agents that you are a serious buyer, which can work in your favour.
We use our market knowledge, software, and understanding of your specific situation to narrow down the right lender. We look at rate, product features, serviceability criteria, and how each lender treats different types of borrowers. The right lender for you is not always the most obvious one.
Fixed rates lock in your repayments for a set period, usually one to five years, giving you certainty. Variable rates move with the market and typically offer more flexibility, including offset accounts and the ability to make extra repayments. The right choice depends on your goals and risk appetite.
Yes. We conduct regular reviews to make sure you are still on a competitive rate and the right structure as your circumstances change. If refinancing would save you money, we will tell you and manage the process.
Home Loans & Property
Read before you apply
Interest rates history in Australia: the cash rate since 1990
How the RBA cash rate has moved since 1990, from the 17.5% peak to the 0.10% low and back up to 4.85% in November 2026, and what each move means for your repayments.
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.
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 home loan needs.
Your home loan is likely the biggest financial commitment you will ever make. We search 60+ lenders, negotiate the best rate, and stay by your side from first enquiry to final repayment.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Elephant Advisory is a Melbourne mortgage broker that compares home loans across 60+ lenders, negotiates your rate and manages the process from first enquiry through settlement and beyond.
Led by Gavin Hepponstall, Director & Head of Finance · Credit representative 570731.
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
Finding the right home loan with values that actually mean something
From the way we assess your situation to how we manage your settlement, our values guide every step.
Related services: First home buyers, Refinancing, Home loan pre-approval
01
GENUINE
We work for you, not the lender. Every recommendation we make is based on your goals, your situation, and what's genuinely best for your long-term financial position.
02
UNDERSTANDING
Buying property is one of the biggest financial decisions you'll ever make. We take the time to understand your goals, your borrowing capacity, and your options before we recommend anything.
03
INDEPENDENCE
With access to 60+ lenders including major banks and specialist lenders, we're never limited to one product. We find the best rate and structure for your situation, full stop.
04
DEDICATION
We don't disappear after settlement. We manage your loan, review it regularly, and make sure it keeps working for you long after the keys are handed over.
05
EXPERTISE
Our brokers have been placing home loans for over six years, earning multiple industry awards along the way. You're in experienced hands from the first conversation to the final payment.
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
Everything you need to find, secure, and manage the right home loan.
We compare 60+ lenders and manage the entire process so you never have to go it alone.
01
First Home Buyers
Buying your first home is a major milestone. We guide you through borrowing capacity, grants, and schemes so you can get into the market confidently.
02
Next Home Buyers
Upgrading, downsizing, or relocating? We assess your equity, compare 60+ lenders, and structure a loan that works for your next chapter.
03
Property Investment Loans
Building a portfolio starts with the right structure. We find finance that fits your wealth strategy and sets you up for long-term growth.
04
Refinancing
If your current loan isn't working hard enough, we review your rate and structure and find you a better deal across 60+ lenders.
05
Home Loan Pre-Approval
Pre-approval puts you in the strongest position when buying. We secure a fully assessed pre-approval so your finance is sorted before you make an offer.
06
Ongoing Loan Management
We don't set and forget. We review your loan regularly to make sure you're always on the best rate and structure as your situation evolves.
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
Getting a home loan shouldn't feel this hard.
The challenges most buyers face and exactly how we fix them.
Without Elephant
Overwhelmed by lender options
Paying a rate that costs thousands
Unsure how much you can borrow
Broker disappears after settlement
Limited to one bank's products
With Elephant Advisory
We compare 60+ lenders for you
We negotiate your rate from the start
Borrowing capacity assessed upfront
We manage your loan long-term
Independent advice, 60+ lenders
“Most people spend more on their home loan than they need to. We make sure our clients don’t. with independent advice, competitive rates, and a team that stays in your corner for the life of the loan.”
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.
We act entirely in your best interest, not the bank's. We compare home loan options across 60+ lenders, handle the paperwork, manage the application process, and stay with you from pre-approval through to settlement and beyond.
Going direct to a bank means seeing only their products. A broker gives you access to a wide panel of lenders and an independent view of which one suits your situation best. In most cases, a broker will find you a better rate and a more suitable product than going direct.
Yes. Pre-approval tells you exactly how much you can borrow and gives you the confidence to make offers and bid at auction without waiting on finance. It also signals to agents that you are a serious buyer, which can work in your favour.
We use our market knowledge, software, and understanding of your specific situation to narrow down the right lender. We look at rate, product features, serviceability criteria, and how each lender treats different types of borrowers. The right lender for you is not always the most obvious one.
Fixed rates lock in your repayments for a set period, usually one to five years, giving you certainty. Variable rates move with the market and typically offer more flexibility, including offset accounts and the ability to make extra repayments. The right choice depends on your goals and risk appetite.
Yes. We conduct regular reviews to make sure you are still on a competitive rate and the right structure as your circumstances change. If refinancing would save you money, we will tell you and manage the process.
Home Loans & Property
Read before you apply
Interest rates history in Australia: the cash rate since 1990
How the RBA cash rate has moved since 1990, from the 17.5% peak to the 0.10% low and back up to 4.85% in November 2026, and what each move means for your repayments.
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.
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. Accounting and tax services are provided by Elephant Tax Pty Ltd (ABN 39 626 563 755), bookkeeping by Elephant Bookkeeping Pty Ltd (ABN 49 682 979 139), digital marketing by Elephant Digital Pty Ltd (ABN 72 692 273 091) and offshore staffing by Elephant Teams Pty Ltd (ABN 24 656 874 789).
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. Accounting and tax services are provided by Elephant Tax Pty Ltd (ABN 39 626 563 755), bookkeeping by Elephant Bookkeeping Pty Ltd (ABN 49 682 979 139), digital marketing by Elephant Digital Pty Ltd (ABN 72 692 273 091) and offshore staffing by Elephant Teams Pty Ltd (ABN 24 656 874 789).
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. Accounting and tax services are provided by Elephant Tax Pty Ltd (ABN 39 626 563 755), bookkeeping by Elephant Bookkeeping Pty Ltd (ABN 49 682 979 139), digital marketing by Elephant Digital Pty Ltd (ABN 72 692 273 091) and offshore staffing by Elephant Teams Pty Ltd (ABN 24 656 874 789).