← Home Loans & Finance
A home for all your home loan pre-approval needs.
Buy property with confidence. Our finance team sources your mortgage pre-approval right from the start, so you know what you can borrow before you make an offer.
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
Getting pre-approved with values that actually mean something
From the way we assess your borrowing capacity to how we submit your application, our values guide every step.
Related services: First home buyers, Home loans, Construction loans
01
CONFIDENCE
Pre-approval means you can bid at auction, make offers, and search for property knowing your finance is sorted. We make sure you go into the market with certainty, not guesswork.
02
LENDER ACCESS
With 60+ lenders on our panel including major banks and online lenders, we find the right product for your situation - not just what's easiest to place.
03
EXPERTISE
Our brokers have been securing pre-approvals for Melbourne buyers for over six years. We know what lenders want, how to present your application, and how to get a fully assessed result - not just a system-generated one.
04
ACCESSIBILITY
We explain every step in plain language so you always know where you stand. Borrowing capacity, deposit requirements, loan types, government grants - we lay it all out clearly so nothing comes as a surprise.
05
RESULTS
We don't just submit and hope. We prepare your application thoroughly, work with the lender's credit team, and make sure you walk away with a pre-approval that gives you real confidence in the market.
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
The right pre-approval starts with the right process.
We do the legwork so you can focus on finding the right property.
01
Borrowing Capacity
We review your income, expenses, and liabilities to give you a clear picture of how much you can borrow and what your repayments will look like before you start searching.
02
Deposit and Grants
We outline your deposit requirements and identify every government scheme or grant you may be eligible for, from the First Home Buyers Scheme to Lenders Mortgage Insurance waivers.
03
Loan Product Review
Not all loan products are the same. We compare packages, offset accounts, and rates across 60+ lenders to find the product that genuinely suits your goals, not just the easiest one to sell.
04
Loan Type Advice
Variable or fixed? Principal and interest or interest only? We help you understand the trade-offs and choose the loan type that fits your situation and your plans for the property.
05
Lender Selection
From major banks to online lenders like Ubank, ING, and ME Bank, we use our market knowledge to narrow down the right lender for you with no bias and no commissions influencing the call.
06
Pre-Approval Submission
Once everything is in order, we submit to your chosen lender and manage the process through to a fully assessed pre-approval so you know the bank has genuinely reviewed your application.
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 challenges most buyers face before pre-approval and exactly how we fix them.
Without Elephant
No idea what you can borrow
Losing properties without finance sorted
Unsure which lender suits you
Missing out on grants and schemes
System-generated, not fully assessed
With Elephant Advisory
Borrowing capacity assessed upfront
Pre-approval so you can bid confidently
We compare 60+ lenders for you
Every eligible grant identified upfront
Fully assessed by the bank's credit team
“At Elephant Advisory, we do not just get you pre-approved. We make sure the pre-approval is the right loan, from the right lender, designed structured correctly for what you actually want to achieve.”
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.
Nothing. Banks do not charge for pre-approval and neither do we. Our service is paid by the lender you choose, so getting pre-approved costs you nothing upfront.
Most pre-approvals are valid for 90 days. If you have not found a property in that time, they can usually be extended through the same lender without starting the process from scratch.
A system-generated pre-approval is a quick automated check that gives limited confidence to agents and vendors. A fully assessed pre-approval has been reviewed by the bank's credit team, which means it carries significantly more weight when you are ready to make an offer or bid at auction.
Yes. Knowing your borrowing capacity and having pre-approval in hand means you can move quickly when you find the right property. Real estate agents also take pre-approved buyers more seriously, which can give you an edge in competitive markets.
It depends on your situation. Interest only can work well for investment properties or where managing cash flow is a priority. Principal and interest helps you build equity faster and typically suits owner-occupiers. We help you weigh up both options based on your goals.
An offset account sits alongside your home loan and reduces the interest you pay by offsetting your loan balance with your savings. It is a genuinely useful tool for paying your loan off faster while keeping access to your funds. Most lenders that offer them do charge a fee, so we factor that into the comparison when recommending products.
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 home loan pre-approval needs.
Buy property with confidence. Our finance team sources your mortgage pre-approval right from the start, so you know what you can borrow before you make an offer.
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
Getting pre-approved with values that actually mean something
From the way we assess your borrowing capacity to how we submit your application, our values guide every step.
Related services: First home buyers, Home loans, Construction loans
01
CONFIDENCE
Pre-approval means you can bid at auction, make offers, and search for property knowing your finance is sorted. We make sure you go into the market with certainty, not guesswork.
02
LENDER ACCESS
With 60+ lenders on our panel including major banks and online lenders, we find the right product for your situation - not just what's easiest to place.
03
EXPERTISE
Our brokers have been securing pre-approvals for Melbourne buyers for over six years. We know what lenders want, how to present your application, and how to get a fully assessed result - not just a system-generated one.
04
ACCESSIBILITY
We explain every step in plain language so you always know where you stand. Borrowing capacity, deposit requirements, loan types, government grants - we lay it all out clearly so nothing comes as a surprise.
05
RESULTS
We don't just submit and hope. We prepare your application thoroughly, work with the lender's credit team, and make sure you walk away with a pre-approval that gives you real confidence in the market.
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
The right pre-approval starts with the right process.
We do the legwork so you can focus on finding the right property.
01
Borrowing Capacity
We review your income, expenses, and liabilities to give you a clear picture of how much you can borrow and what your repayments will look like before you start searching.
02
Deposit and Grants
We outline your deposit requirements and identify every government scheme or grant you may be eligible for, from the First Home Buyers Scheme to Lenders Mortgage Insurance waivers.
03
Loan Product Review
Not all loan products are the same. We compare packages, offset accounts, and rates across 60+ lenders to find the product that genuinely suits your goals, not just the easiest one to sell.
04
Loan Type Advice
Variable or fixed? Principal and interest or interest only? We help you understand the trade-offs and choose the loan type that fits your situation and your plans for the property.
05
Lender Selection
From major banks to online lenders like Ubank, ING, and ME Bank, we use our market knowledge to narrow down the right lender for you with no bias and no commissions influencing the call.
06
Pre-Approval Submission
Once everything is in order, we submit to your chosen lender and manage the process through to a fully assessed pre-approval so you know the bank has genuinely reviewed your application.
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 challenges most buyers face before pre-approval and exactly how we fix them.
Without Elephant
No idea what you can borrow
Losing properties without finance sorted
Unsure which lender suits you
Missing out on grants and schemes
System-generated, not fully assessed
With Elephant Advisory
Borrowing capacity assessed upfront
Pre-approval so you can bid confidently
We compare 60+ lenders for you
Every eligible grant identified upfront
Fully assessed by the bank's credit team
“At Elephant Advisory, we do not just get you pre-approved. We make sure the pre-approval is the right loan, from the right lender, designed structured correctly for what you actually want to achieve.”
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.
Nothing. Banks do not charge for pre-approval and neither do we. Our service is paid by the lender you choose, so getting pre-approved costs you nothing upfront.
Most pre-approvals are valid for 90 days. If you have not found a property in that time, they can usually be extended through the same lender without starting the process from scratch.
A system-generated pre-approval is a quick automated check that gives limited confidence to agents and vendors. A fully assessed pre-approval has been reviewed by the bank's credit team, which means it carries significantly more weight when you are ready to make an offer or bid at auction.
Yes. Knowing your borrowing capacity and having pre-approval in hand means you can move quickly when you find the right property. Real estate agents also take pre-approved buyers more seriously, which can give you an edge in competitive markets.
It depends on your situation. Interest only can work well for investment properties or where managing cash flow is a priority. Principal and interest helps you build equity faster and typically suits owner-occupiers. We help you weigh up both options based on your goals.
An offset account sits alongside your home loan and reduces the interest you pay by offsetting your loan balance with your savings. It is a genuinely useful tool for paying your loan off faster while keeping access to your funds. Most lenders that offer them do charge a fee, so we factor that into the comparison when recommending products.
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 home loan pre-approval needs.
Buy property with confidence. Our finance team sources your mortgage pre-approval right from the start, so you know what you can borrow before you make an offer.
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
Getting pre-approved with values that actually mean something
From the way we assess your borrowing capacity to how we submit your application, our values guide every step.
Related services: First home buyers, Home loans, Construction loans
01
CONFIDENCE
Pre-approval means you can bid at auction, make offers, and search for property knowing your finance is sorted. We make sure you go into the market with certainty, not guesswork.
02
LENDER ACCESS
With 60+ lenders on our panel including major banks and online lenders, we find the right product for your situation - not just what's easiest to place.
03
EXPERTISE
Our brokers have been securing pre-approvals for Melbourne buyers for over six years. We know what lenders want, how to present your application, and how to get a fully assessed result - not just a system-generated one.
04
ACCESSIBILITY
We explain every step in plain language so you always know where you stand. Borrowing capacity, deposit requirements, loan types, government grants - we lay it all out clearly so nothing comes as a surprise.
05
RESULTS
We don't just submit and hope. We prepare your application thoroughly, work with the lender's credit team, and make sure you walk away with a pre-approval that gives you real confidence in the market.
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
The right pre-approval starts with the right process.
We do the legwork so you can focus on finding the right property.
01
Borrowing Capacity
We review your income, expenses, and liabilities to give you a clear picture of how much you can borrow and what your repayments will look like before you start searching.
02
Deposit and Grants
We outline your deposit requirements and identify every government scheme or grant you may be eligible for, from the First Home Buyers Scheme to Lenders Mortgage Insurance waivers.
03
Loan Product Review
Not all loan products are the same. We compare packages, offset accounts, and rates across 60+ lenders to find the product that genuinely suits your goals, not just the easiest one to sell.
04
Loan Type Advice
Variable or fixed? Principal and interest or interest only? We help you understand the trade-offs and choose the loan type that fits your situation and your plans for the property.
05
Lender Selection
From major banks to online lenders like Ubank, ING, and ME Bank, we use our market knowledge to narrow down the right lender for you with no bias and no commissions influencing the call.
06
Pre-Approval Submission
Once everything is in order, we submit to your chosen lender and manage the process through to a fully assessed pre-approval so you know the bank has genuinely reviewed your application.
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 challenges most buyers face before pre-approval and exactly how we fix them.
Without Elephant
No idea what you can borrow
Losing properties without finance sorted
Unsure which lender suits you
Missing out on grants and schemes
System-generated, not fully assessed
With Elephant Advisory
Borrowing capacity assessed upfront
Pre-approval so you can bid confidently
We compare 60+ lenders for you
Every eligible grant identified upfront
Fully assessed by the bank's credit team
“At Elephant Advisory, we do not just get you pre-approved. We make sure the pre-approval is the right loan, from the right lender, designed structured correctly for what you actually want to achieve.”
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.
Nothing. Banks do not charge for pre-approval and neither do we. Our service is paid by the lender you choose, so getting pre-approved costs you nothing upfront.
Most pre-approvals are valid for 90 days. If you have not found a property in that time, they can usually be extended through the same lender without starting the process from scratch.
A system-generated pre-approval is a quick automated check that gives limited confidence to agents and vendors. A fully assessed pre-approval has been reviewed by the bank's credit team, which means it carries significantly more weight when you are ready to make an offer or bid at auction.
Yes. Knowing your borrowing capacity and having pre-approval in hand means you can move quickly when you find the right property. Real estate agents also take pre-approved buyers more seriously, which can give you an edge in competitive markets.
It depends on your situation. Interest only can work well for investment properties or where managing cash flow is a priority. Principal and interest helps you build equity faster and typically suits owner-occupiers. We help you weigh up both options based on your goals.
An offset account sits alongside your home loan and reduces the interest you pay by offsetting your loan balance with your savings. It is a genuinely useful tool for paying your loan off faster while keeping access to your funds. Most lenders that offer them do charge a fee, so we factor that into the comparison when recommending products.
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.