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.
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← Home Loans & Finance
Lending for CAs, CPAs and accountants
If there is one thing we know as well as home loans, it is accountants. Our team spans both finance and accounting, giving us a genuine understanding of how you earn, how you structure your finances, and how to use that to your advantage when buying property.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Accountants often qualify for professional lending benefits, and their income and structures need a broker who understands them. Elephant Advisory's team spans finance and accounting, so we compare 60+ lenders with a genuine understanding of how you earn.
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
Scaling businesses with values that actually mean something
As a firm with accounting in our DNA, we understand accounting professionals better than any other mortgage brokerage.
Related services: Home loans, First home buyers, Investment property loans
01
Mutual Understanding
We are accountants ourselves. We understand how you structure your income, your deductions, and your finances, which means we know how to present your application to a lender in the strongest possible way.
02
Expertise
With accounting and finance under one roof, we bring a level of combined expertise to your home loan that a standard mortgage broker simply cannot match.
03
Results
We measure success by the rate you get, the structure we put in place, and whether your loan is still working for you years from now.
04
Integrity
We act in your best interest, not the bank's. That means recommending the right loan for your situation, not the easiest one to place.
05
Tailored Advice
Plans are only as good as what you do with them. We make sure strategies turn into action, so you see real results, not just pretty presentations.
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
Your career is an advantage. We make sure you use it.
The finance services accounting professionals rely on to maximise their borrowing power and secure the right home loan.
01
Home Loan Pre-Approval
We secure a fully assessed pre-approval tailored to your income structure and career so you can bid at auction or make offers knowing your finance is genuinely sorted.
02
LMI Waiver for Professionals
As a qualified accountant, you may be eligible to borrow above 80% without paying LMI. We check your eligibility and use your professional status to your advantage.
03
Home Loans
We compare home loan products across 60+ lenders to find the right rate and structure for your specific financial situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your current loan regularly and find better deals when they are available. As an accountant, you understand the value of a lower rate. We make sure you are always on one.
05
Construction & Land Packages
Building or buying a house and land package? We are specialists in both and manage the full finance process so you can focus on your career while the build progresses.
06
Property Wealth Planning
Your income as an accountant puts you in a strong position to build a property portfolio. We create a tailored property wealth plan that maps out exactly how to make the most of it.
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 home loan challenges most accounting professionals face and exactly how we fix them.
Without Elephant
Broker doesn't understand accounting income
Paying LMI you may not need to
Finance and accounting handled separately
Generic advice that misses your situation
No one reviewing your loan after settlement
With Elephant Advisory
We get how accountants earn and borrow
LMI waiver eligibility checked as standard
Tailored strategy built around your income and career
Regular reviews as your career and income grow
One team across both, working together for you
“At Elephant Advisory, we understand accountants better than anyone else in the market. That means your home loan is structured around how you actually earn and operate, not a generic template”
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, in many cases. A number of lenders offer LMI waivers for qualified accountants, allowing you to borrow above 80% without the added cost. Eligibility depends on your income, employer, and the lender. We assess this as standard for every accounting professional we work with.
It can. Lenders view accounting as a stable, high-income profession which can work in your favour. Some lenders also have more favourable policies for professionals around income assessment and loan-to-value ratios. We know which lenders treat accountants most generously.
Complex income including trust distributions, investment income, or business income requires careful presentation to a lender. Because we understand accounting deeply, we know how to package your financials in a way that maximises your borrowing power rather than raising red flags.
It depends on your goals. A variable rate with an offset account is often a strong choice for accountants who want flexibility and to reduce interest costs. If you want repayment certainty, a fixed rate may suit better. We walk through both options and find the right fit for your situation.
Yes. Many accountants are well placed to build a property portfolio alongside their career. We create tailored property wealth plans that map out how to use your income and borrowing capacity to grow your assets strategically over time.
It helps significantly. A broker who understands how accountants earn will present your application more effectively, identify professional benefits you may not know about, and find lenders whose policies work in your favour. That is exactly what we offer.
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
Lending for CAs, CPAs and accountants
If there is one thing we know as well as home loans, it is accountants. Our team spans both finance and accounting, giving us a genuine understanding of how you earn, how you structure your finances, and how to use that to your advantage when buying property.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Accountants often qualify for professional lending benefits, and their income and structures need a broker who understands them. Elephant Advisory's team spans finance and accounting, so we compare 60+ lenders with a genuine understanding of how you earn.
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
Scaling businesses with values that actually mean something
As a firm with accounting in our DNA, we understand accounting professionals better than any other mortgage brokerage.
Related services: Home loans, First home buyers, Investment property loans
01
Mutual Understanding
We are accountants ourselves. We understand how you structure your income, your deductions, and your finances, which means we know how to present your application to a lender in the strongest possible way.
02
Expertise
With accounting and finance under one roof, we bring a level of combined expertise to your home loan that a standard mortgage broker simply cannot match.
03
Results
We measure success by the rate you get, the structure we put in place, and whether your loan is still working for you years from now.
04
Integrity
We act in your best interest, not the bank's. That means recommending the right loan for your situation, not the easiest one to place.
05
Tailored Advice
Plans are only as good as what you do with them. We make sure strategies turn into action, so you see real results, not just pretty presentations.
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
Your career is an advantage. We make sure you use it.
The finance services accounting professionals rely on to maximise their borrowing power and secure the right home loan.
01
Home Loan Pre-Approval
We secure a fully assessed pre-approval tailored to your income structure and career so you can bid at auction or make offers knowing your finance is genuinely sorted.
02
LMI Waiver for Professionals
As a qualified accountant, you may be eligible to borrow above 80% without paying LMI. We check your eligibility and use your professional status to your advantage.
03
Home Loans
We compare home loan products across 60+ lenders to find the right rate and structure for your specific financial situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your current loan regularly and find better deals when they are available. As an accountant, you understand the value of a lower rate. We make sure you are always on one.
05
Construction & Land Packages
Building or buying a house and land package? We are specialists in both and manage the full finance process so you can focus on your career while the build progresses.
06
Property Wealth Planning
Your income as an accountant puts you in a strong position to build a property portfolio. We create a tailored property wealth plan that maps out exactly how to make the most of it.
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 home loan challenges most accounting professionals face and exactly how we fix them.
Without Elephant
Broker doesn't understand accounting income
Paying LMI you may not need to
Finance and accounting handled separately
Generic advice that misses your situation
No one reviewing your loan after settlement
With Elephant Advisory
We get how accountants earn and borrow
LMI waiver eligibility checked as standard
Tailored strategy built around your income and career
Regular reviews as your career and income grow
One team across both, working together for you
“At Elephant Advisory, we understand accountants better than anyone else in the market. That means your home loan is structured around how you actually earn and operate, not a generic template”
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, in many cases. A number of lenders offer LMI waivers for qualified accountants, allowing you to borrow above 80% without the added cost. Eligibility depends on your income, employer, and the lender. We assess this as standard for every accounting professional we work with.
It can. Lenders view accounting as a stable, high-income profession which can work in your favour. Some lenders also have more favourable policies for professionals around income assessment and loan-to-value ratios. We know which lenders treat accountants most generously.
Complex income including trust distributions, investment income, or business income requires careful presentation to a lender. Because we understand accounting deeply, we know how to package your financials in a way that maximises your borrowing power rather than raising red flags.
It depends on your goals. A variable rate with an offset account is often a strong choice for accountants who want flexibility and to reduce interest costs. If you want repayment certainty, a fixed rate may suit better. We walk through both options and find the right fit for your situation.
Yes. Many accountants are well placed to build a property portfolio alongside their career. We create tailored property wealth plans that map out how to use your income and borrowing capacity to grow your assets strategically over time.
It helps significantly. A broker who understands how accountants earn will present your application more effectively, identify professional benefits you may not know about, and find lenders whose policies work in your favour. That is exactly what we offer.
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
Lending for CAs, CPAs and accountants
If there is one thing we know as well as home loans, it is accountants. Our team spans both finance and accounting, giving us a genuine understanding of how you earn, how you structure your finances, and how to use that to your advantage when buying property.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Accountants often qualify for professional lending benefits, and their income and structures need a broker who understands them. Elephant Advisory's team spans finance and accounting, so we compare 60+ lenders with a genuine understanding of how you earn.
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
Scaling businesses with values that actually mean something
As a firm with accounting in our DNA, we understand accounting professionals better than any other mortgage brokerage.
Related services: Home loans, First home buyers, Investment property loans
01
Mutual Understanding
We are accountants ourselves. We understand how you structure your income, your deductions, and your finances, which means we know how to present your application to a lender in the strongest possible way.
02
Expertise
With accounting and finance under one roof, we bring a level of combined expertise to your home loan that a standard mortgage broker simply cannot match.
03
Results
We measure success by the rate you get, the structure we put in place, and whether your loan is still working for you years from now.
04
Integrity
We act in your best interest, not the bank's. That means recommending the right loan for your situation, not the easiest one to place.
05
Tailored Advice
Plans are only as good as what you do with them. We make sure strategies turn into action, so you see real results, not just pretty presentations.
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
Your career is an advantage. We make sure you use it.
The finance services accounting professionals rely on to maximise their borrowing power and secure the right home loan.
01
Home Loan Pre-Approval
We secure a fully assessed pre-approval tailored to your income structure and career so you can bid at auction or make offers knowing your finance is genuinely sorted.
02
LMI Waiver for Professionals
As a qualified accountant, you may be eligible to borrow above 80% without paying LMI. We check your eligibility and use your professional status to your advantage.
03
Home Loans
We compare home loan products across 60+ lenders to find the right rate and structure for your specific financial situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your current loan regularly and find better deals when they are available. As an accountant, you understand the value of a lower rate. We make sure you are always on one.
05
Construction & Land Packages
Building or buying a house and land package? We are specialists in both and manage the full finance process so you can focus on your career while the build progresses.
06
Property Wealth Planning
Your income as an accountant puts you in a strong position to build a property portfolio. We create a tailored property wealth plan that maps out exactly how to make the most of it.
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 home loan challenges most accounting professionals face and exactly how we fix them.
Without Elephant
Broker doesn't understand accounting income
Paying LMI you may not need to
Finance and accounting handled separately
Generic advice that misses your situation
No one reviewing your loan after settlement
With Elephant Advisory
We get how accountants earn and borrow
LMI waiver eligibility checked as standard
Tailored strategy built around your income and career
Regular reviews as your career and income grow
One team across both, working together for you
“At Elephant Advisory, we understand accountants better than anyone else in the market. That means your home loan is structured around how you actually earn and operate, not a generic template”
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, in many cases. A number of lenders offer LMI waivers for qualified accountants, allowing you to borrow above 80% without the added cost. Eligibility depends on your income, employer, and the lender. We assess this as standard for every accounting professional we work with.
It can. Lenders view accounting as a stable, high-income profession which can work in your favour. Some lenders also have more favourable policies for professionals around income assessment and loan-to-value ratios. We know which lenders treat accountants most generously.
Complex income including trust distributions, investment income, or business income requires careful presentation to a lender. Because we understand accounting deeply, we know how to package your financials in a way that maximises your borrowing power rather than raising red flags.
It depends on your goals. A variable rate with an offset account is often a strong choice for accountants who want flexibility and to reduce interest costs. If you want repayment certainty, a fixed rate may suit better. We walk through both options and find the right fit for your situation.
Yes. Many accountants are well placed to build a property portfolio alongside their career. We create tailored property wealth plans that map out how to use your income and borrowing capacity to grow your assets strategically over time.
It helps significantly. A broker who understands how accountants earn will present your application more effectively, identify professional benefits you may not know about, and find lenders whose policies work in your favour. That is exactly what we offer.
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).