Find the constraint and grow past it
Home, investment and commercial loans
Each page shows how our accounting, bookkeeping, loans and advice fit together for that industry.
Lender policies and LMI waivers for your profession.
Xero Platinum Partner
1,000+ clients helpedShehanโs story โ
Elephant Advisory is a Melbourne mortgage broker comparing 60+ lenders for home loans, refinancing, investment, construction, SMSF and commercial property loans. Because we also run accounting and bookkeeping, we're well placed to help business owners and self-employed borrowers get approved.
Led by Gavin Hepponstall, Director & Head of Finance (credit representative 570731), with Shehan Wijayasinghe, Managing Director (credit representative 483390)
If these finance problems sound familiar, you're not alone.
Finance services for every stage of your property journey.
From first home to investment portfolio, we match you with the right loan and the right lender every time.
Home loan pre-approval
Know your budget before you start looking. We get you pre-approved so you can bid at auction and make offers with confidence.
Explore 02Home loans
Buying your first home or your next one, we search our panel of 60+ lenders to find a loan that fits your situation and your goals.
Explore 03Refinancing
If your current loan isn't working hard enough for you, we'll review it and find you a better deal. More savings, less stress.
Explore 04Construction loans
Building your home? We find the right construction loan and manage the drawdown process so your build stays on track financially.
Explore 05House and land packages
We navigate the finance requirements of house and land packages and find a lender that suits your timeline and budget.
Explore 06Property wealth planning
Growing a portfolio? We structure finance that fits your long-term wealth strategy, from first investment to full portfolio.
ExploreLoans for your situation
Every borrower's story is different. These are the situations we structure finance for most often, with the lenders who actually say yes to them.
Business owner home loans
Self-employed? We present your income the way lenders want to see it, including add-backs and your latest results.
ยท Low-doc and full-doc optionsยท Financials prepared by our accountants Explore business owner loans โFirst home buyers
Deposits, government schemes and your first loan, explained in plain English so you can buy sooner and with confidence.
ยท Government deposit schemes checkedยท Grants and stamp duty concessions Explore first home loans โInvestment property loans
Finance structured to grow a portfolio, not just buy one property. Planned around tax, cash flow and your next purchase.
ยท Loan splits and offset structureยท Planned with your accountant Explore investment loans โSMSF loans
Buy property inside your super fund with a limited recourse borrowing arrangement, set up to meet the rules from day one.
ยท LRBA and bare trust structureยท Works alongside your SMSF accountant Explore SMSF loans โCommercial property loans
Offices, warehouses, retail and medical suites, whether you're buying for your own business or as an investment.
ยท Owner-occupied and investmentยท Business lender panel compared Explore commercial loans โHome loans built around your profession
LMI waivers and professional packages with select lenders, for eligible borrowers.Run the numbers before you talk to a lender
Your loan shouldn't feel this complicated.
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01
Book a free chat
At a time that suits you. We get to know your situation, your goals and what you're looking to achieve.
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02
We find the right loan
We compare options across 60+ lenders, handle the paperwork and give you a clear recommendation that fits your goals.
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Settled and supported
We manage everything to settlement and stay in your corner after, reviewing your loan so it keeps working for you.
Two brokers, 60+ lenders, one team behind you.
Both work under Best Interests Duty, with Elephant's accountants alongside when your income is complex.
Let's clear a few things up.
No jargon, no runaround, just honest answers from Gavin's team.
Ask us yoursLatest from Gavin's team
View all articlesHow much can I borrow on my salary? (2026 examples)
Rough borrowing power from $60k to $200k salaries, how banks work it out, and the small things that cut it.
16 JUN 2026 ยท 3 MINHow lender policies affect how much you can actually borrow
Different lenders, different rules. How lender policy shapes your borrowing capacity.
9 JUN 2026 ยท 4 MINHow to increase your borrowing capacity quickly and easily
Which credit cards, loans and HECS to close, and which to keep as a buffer.
General information only. It does not take into account your objectives, financial situation or needs.

