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Mortgage brokers ยท Melbourne

Mortgage brokers for Melbourne home loans

Securing finance is one of the biggest decisions you will make. You deserve a broker who works for you, not the bank. We search 60+ lenders to find the right loan for your situation and stay by your side long after settlement.

99% of clients pay nothing Best Interests Duty Reviews after settlement
Aerial view of a Melbourne suburb
Gavin Hepponstall Shehan Wijayasinghe
Gavin & Shehan Your mortgage brokers 60+ LENDERS ยท BEST INTERESTS DUTY
60+ lenders compared
75+ five-star Google reviews
Australian Broking Awards 2022Winner, Loan Administrator of the Year
Better Business AwardsWinner 2018 & 2022
Est. 2016, Mount Waverley1000+ loan applications
Trusted by businesses across every industry
MUVE Bell Collision OYDIS Possability isalbi cirql Waterman SALT Sport & Life Training St Vincent's Foundation Victoria NFK Electrical
In short REVIEWED NOV 2026

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)
Sound familiar?

If these finance problems sound familiar, you're not alone.

Going it alone
Too many options Rejected or confused by the banks Paying more than you need to Drowning in paperwork and jargon No long-term team
With Elephant Advisory
We compare 60+ lenders Policy wizards who know who says yes Better rates, negotiated for you Full service, always in the loop A long-term finance partner
What we do

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.

01

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
02

Home 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
03

Refinancing

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
04

Construction loans

Building your home? We find the right construction loan and manage the drawdown process so your build stays on track financially.

Explore
05

House and land packages

We navigate the finance requirements of house and land packages and find a lender that suits your timeline and budget.

Explore
06

Property wealth planning

Growing a portfolio? We structure finance that fits your long-term wealth strategy, from first investment to full portfolio.

Explore
Specialist loans

Loans 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 โ†’

First 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 โ†’

Investment 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 โ†’

SMSF 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 โ†’

Commercial 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 โ†’

Home loans built around your profession

LMI waivers and professional packages with select lenders, for eligible borrowers.
The process

Your loan shouldn't feel this complicated.

  1. 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.

  2. 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.

  3. 03

    Settled and supported

    We manage everything to settlement and stay in your corner after, reviewing your loan so it keeps working for you.

Meet your brokers

Two brokers, 60+ lenders, one team behind you.

Both work under Best Interests Duty, with Elephant's accountants alongside when your income is complex.

Gavin Hepponstall, Director and Head of Finance
LEAD BROKER

Gavin Hepponstall

Director & Head of Finance

Credit representative 570731 of Yellow Brick Road Aggregation, Australian Credit Licence 390261. Works with Melbourne families, investors and business owners across our 60+ lender panel.

Credit rep 570731Home & investment loans Read Gavin's profile
Shehan Wijayasinghe, Managing Director and mortgage broker
BROKER

Shehan Wijayasinghe

Managing Director ยท Founder, est. 2016

A career across professional services, finance, banking and strategy. Brokers alongside Gavin for business owners, self-employed borrowers and property investors.

Credit rep 483390Business & commercial Read Shehan's profile
60+lenders on our panel
1000+loan applications
500+customers helped
2016winning awards since
FAQ

Let's clear a few things up.

No jargon, no runaround, just honest answers from Gavin's team.

Ask us yours

What do your mortgage brokers do?

A finance broker is your home loan adviser. We sit between you and the banks, compare options from 60+ lenders, and find the loan that suits your situation. Unlike a bank, we are not tied to one lender and are legally required to act in your best interest.

Which bank is best for a home loan?

It depends entirely on your situation. We look at the price of your home, your loan type, your income, and your goals before making a recommendation. The right bank for you is not always the biggest name.

How do I know how much I can borrow?

We specialise in borrowing capacity assessments. Using our internal assessment guidelines and knowledge of 60+ lenders, we can give you an accurate picture of what you can borrow based on your income, expenses, and liabilities.

How much do your mortgage brokers charge?

99% of our clients pay nothing. We are paid a commission by the lender you choose, so our service costs you nothing upfront. We are also required by law to act in your best interest, not the bank's.

Can you help if I am self-employed?

Yes. Self-employed borrowers have more options than most people realise. We know which lenders are most flexible for self-employed applicants and how to present your financials in the strongest possible way.

Do you help with refinancing as well as new home loans?

Absolutely. We conduct a full review of your current mortgage and financial situation, then compare it against what is available in the market. If there is a better deal out there, we will find it.

Why use a broker instead of going straight to the bank?

A bank can only offer its own products. We compare loans across a broad lender panel, understand how different lenders assess business owners, and handle the follow-ups so you're not left chasing the bank.

Find out what you can borrow, free.

Tell us where you're at and we'll map out your options across 60+ lenders. No cost, no pressure, no jargon.

Book a free chat with Gavin or Shehan Unit 16, 105/111 Ricketts Rd, Mount Waverley VIC 3149 ยท Mon to Fri 8.30amโ€“6pm

General information only. It does not take into account your objectives, financial situation or needs.

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).

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).

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).