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← Home Loans & Finance
A home for all your business owner home loan needs.
Business owners face a different set of challenges when applying for a home loan. Variable income, complex financials, and lender scepticism about self-employment can make the process harder than it needs to be. We are business owners ourselves and we know exactly how to present your case.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Business owners can get a home loan with variable income and complex financials when the income is presented the way lenders assess it. Elephant Advisory is run by business owners, and our finance and accounting teams work together to match self-employed borrowers with the right lender from 60+.
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
Home loans for business owners built on values actually mean something
We are not just brokers who work with business owners. We are business owners ourselves. That changes the advice we give and the way we present your application.
Related services: Commercial property loans, Investment property loans, Small business advisors
01
Owner Mindset
We have been through the business ownership journey. We understand variable income, complex structures, and the way lenders view self-employed applicants, because we have been there ourselves.
02
Well-Prepared Applications
Self-employed applications require more preparation than PAYG ones. We make sure every document, every income figure, and every financial statement is presented correctly before anything goes to a lender.
03
No Shortcuts
We do not rush the process to get to settlement faster. We take the time to find the right loan, the right lender, and the right structure for your specific situation.
04
Expert Guidance
From sole traders to company directors, we work across every business structure and know how each one is assessed by lenders, so nothing in your financials catches us off guard.
05
Dedication
We are in it for the long term. Regular reviews, refinancing checks, and ongoing support as your business and property journey evolve.
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 business owners and entrepreneurs.
The finance services business owners rely on to navigate self-employed lending and secure the right home loan.
01
Home Loan Pre-Approval
We secure a fully assessed pre-approval tailored to your income and business structure so you can bid at auction and make offers with complete confidence.
02
Business Income Assessment
We know how lenders assess business income and present your financials correctly to maximise your borrowing capacity
03
Home Loans
We compare 60+ lenders to find the right rate and structure for your situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your loan regularly to make sure you are always on the most competitive rate.
05
Construction, House and Land
Specialists in both. We manage the full finance process so you can stay focused on running your business.
06
Property Wealth Planning
Your business success puts you in a strong position to build a portfolio. We create a plan that maps out exactly how.
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.
FAQ
If these problems sound familiar, you're not alone.
The home loan challenges most business owners face and exactly how we solve them.
Without Elephant
Lender doesn't get self-employed income
Variable income makes approval harder
Not borrowing to your full capacity
No time to manage finance
Loan never reviewed after settlement
With Elephant Advisory
We get how business owners earn and borrow
We present your financials correctly
Full business income assessment
We handle it, you run your business
Regular reviews as your business grows
“At Elephant Advisory, we understand self-employed lending because we are business owners ourselves. We know how to present your income, find the right lender, and structure your loan to get the best possible result.”
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.
Yes. While self-employed applicants face more scrutiny than PAYG employees, there are plenty of lenders who work well with business owners. The key is presenting your income correctly and choosing the right lender for your structure. We do both.
Most lenders use your last two years of tax returns and financial statements to assess your income. Some lenders offer low-doc options for business owners who cannot provide full financials. We know which approach suits your situation and which lenders are most flexible.
Yes. Whether you are a sole trader, partnership, company, or trust affects how lenders view your income. We understand every structure and know how to present each one in the strongest possible way.
It depends on your net business income, existing debt, expenses, and the lender's assessment policies. Business owner borrowing capacity can vary significantly between lenders. We run a full assessment and match you with the lenders most likely to give you the strongest result.
Yes. Many business owners are well positioned to build a property portfolio alongside their business. We create tailored wealth plans that map out how to use your income and equity to invest strategically over time.
We manage the entire process on your behalf and keep your involvement to the decisions that genuinely require your input. Consultations by phone or video at a time that suits you, always.
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.
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 business owner home loan needs.
Business owners face a different set of challenges when applying for a home loan. Variable income, complex financials, and lender scepticism about self-employment can make the process harder than it needs to be. We are business owners ourselves and we know exactly how to present your case.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Business owners can get a home loan with variable income and complex financials when the income is presented the way lenders assess it. Elephant Advisory is run by business owners, and our finance and accounting teams work together to match self-employed borrowers with the right lender from 60+.
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
Home loans for business owners built on values actually mean something
We are not just brokers who work with business owners. We are business owners ourselves. That changes the advice we give and the way we present your application.
Related services: Commercial property loans, Investment property loans, Small business advisors
01
Owner Mindset
We have been through the business ownership journey. We understand variable income, complex structures, and the way lenders view self-employed applicants, because we have been there ourselves.
02
Well-Prepared Applications
Self-employed applications require more preparation than PAYG ones. We make sure every document, every income figure, and every financial statement is presented correctly before anything goes to a lender.
03
No Shortcuts
We do not rush the process to get to settlement faster. We take the time to find the right loan, the right lender, and the right structure for your specific situation.
04
Expert Guidance
From sole traders to company directors, we work across every business structure and know how each one is assessed by lenders, so nothing in your financials catches us off guard.
05
Dedication
We are in it for the long term. Regular reviews, refinancing checks, and ongoing support as your business and property journey evolve.
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 business owners and entrepreneurs.
The finance services business owners rely on to navigate self-employed lending and secure the right home loan.
01
Home Loan Pre-Approval
We secure a fully assessed pre-approval tailored to your income and business structure so you can bid at auction and make offers with complete confidence.
02
Business Income Assessment
We know how lenders assess business income and present your financials correctly to maximise your borrowing capacity
03
Home Loans
We compare 60+ lenders to find the right rate and structure for your situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your loan regularly to make sure you are always on the most competitive rate.
05
Construction, House and Land
Specialists in both. We manage the full finance process so you can stay focused on running your business.
06
Property Wealth Planning
Your business success puts you in a strong position to build a portfolio. We create a plan that maps out exactly how.
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.
FAQ
If these problems sound familiar, you're not alone.
The home loan challenges most business owners face and exactly how we solve them.
Without Elephant
Lender doesn't get self-employed income
Variable income makes approval harder
Not borrowing to your full capacity
No time to manage finance
Loan never reviewed after settlement
With Elephant Advisory
We get how business owners earn and borrow
We present your financials correctly
Full business income assessment
We handle it, you run your business
Regular reviews as your business grows
“At Elephant Advisory, we understand self-employed lending because we are business owners ourselves. We know how to present your income, find the right lender, and structure your loan to get the best possible result.”
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.
Yes. While self-employed applicants face more scrutiny than PAYG employees, there are plenty of lenders who work well with business owners. The key is presenting your income correctly and choosing the right lender for your structure. We do both.
Most lenders use your last two years of tax returns and financial statements to assess your income. Some lenders offer low-doc options for business owners who cannot provide full financials. We know which approach suits your situation and which lenders are most flexible.
Yes. Whether you are a sole trader, partnership, company, or trust affects how lenders view your income. We understand every structure and know how to present each one in the strongest possible way.
It depends on your net business income, existing debt, expenses, and the lender's assessment policies. Business owner borrowing capacity can vary significantly between lenders. We run a full assessment and match you with the lenders most likely to give you the strongest result.
Yes. Many business owners are well positioned to build a property portfolio alongside their business. We create tailored wealth plans that map out how to use your income and equity to invest strategically over time.
We manage the entire process on your behalf and keep your involvement to the decisions that genuinely require your input. Consultations by phone or video at a time that suits you, always.
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.
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 business owner home loan needs.
Business owners face a different set of challenges when applying for a home loan. Variable income, complex financials, and lender scepticism about self-employment can make the process harder than it needs to be. We are business owners ourselves and we know exactly how to present your case.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Business owners can get a home loan with variable income and complex financials when the income is presented the way lenders assess it. Elephant Advisory is run by business owners, and our finance and accounting teams work together to match self-employed borrowers with the right lender from 60+.
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
Home loans for business owners built on values actually mean something
We are not just brokers who work with business owners. We are business owners ourselves. That changes the advice we give and the way we present your application.
Related services: Commercial property loans, Investment property loans, Small business advisors
01
Owner Mindset
We have been through the business ownership journey. We understand variable income, complex structures, and the way lenders view self-employed applicants, because we have been there ourselves.
02
Well-Prepared Applications
Self-employed applications require more preparation than PAYG ones. We make sure every document, every income figure, and every financial statement is presented correctly before anything goes to a lender.
03
No Shortcuts
We do not rush the process to get to settlement faster. We take the time to find the right loan, the right lender, and the right structure for your specific situation.
04
Expert Guidance
From sole traders to company directors, we work across every business structure and know how each one is assessed by lenders, so nothing in your financials catches us off guard.
05
Dedication
We are in it for the long term. Regular reviews, refinancing checks, and ongoing support as your business and property journey evolve.
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 business owners and entrepreneurs.
The finance services business owners rely on to navigate self-employed lending and secure the right home loan.
01
Home Loan Pre-Approval
We secure a fully assessed pre-approval tailored to your income and business structure so you can bid at auction and make offers with complete confidence.
02
Business Income Assessment
We know how lenders assess business income and present your financials correctly to maximise your borrowing capacity
03
Home Loans
We compare 60+ lenders to find the right rate and structure for your situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your loan regularly to make sure you are always on the most competitive rate.
05
Construction, House and Land
Specialists in both. We manage the full finance process so you can stay focused on running your business.
06
Property Wealth Planning
Your business success puts you in a strong position to build a portfolio. We create a plan that maps out exactly how.
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.
FAQ
If these problems sound familiar, you're not alone.
The home loan challenges most business owners face and exactly how we solve them.
Without Elephant
Lender doesn't get self-employed income
Variable income makes approval harder
Not borrowing to your full capacity
No time to manage finance
Loan never reviewed after settlement
With Elephant Advisory
We get how business owners earn and borrow
We present your financials correctly
Full business income assessment
We handle it, you run your business
Regular reviews as your business grows
“At Elephant Advisory, we understand self-employed lending because we are business owners ourselves. We know how to present your income, find the right lender, and structure your loan to get the best possible result.”
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.
Yes. While self-employed applicants face more scrutiny than PAYG employees, there are plenty of lenders who work well with business owners. The key is presenting your income correctly and choosing the right lender for your structure. We do both.
Most lenders use your last two years of tax returns and financial statements to assess your income. Some lenders offer low-doc options for business owners who cannot provide full financials. We know which approach suits your situation and which lenders are most flexible.
Yes. Whether you are a sole trader, partnership, company, or trust affects how lenders view your income. We understand every structure and know how to present each one in the strongest possible way.
It depends on your net business income, existing debt, expenses, and the lender's assessment policies. Business owner borrowing capacity can vary significantly between lenders. We run a full assessment and match you with the lenders most likely to give you the strongest result.
Yes. Many business owners are well positioned to build a property portfolio alongside their business. We create tailored wealth plans that map out how to use your income and equity to invest strategically over time.
We manage the entire process on your behalf and keep your involvement to the decisions that genuinely require your input. Consultations by phone or video at a time that suits you, always.
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.
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).