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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
Specialised lending for legal professionals
Legal professionals have unique income structures, strong borrowing power, and access to professional lending benefits most borrowers never see. We make sure you use every advantage available to you.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Lawyers often have strong borrowing power and access to professional lending benefits most borrowers never see. Elephant Advisory compares 60+ lenders for Melbourne legal professionals so you use every advantage available to you.
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 lawyers built on values actually mean something
Legal professionals understand the value of precision, preparation, and working with people who know what they are doing. So do we.
Related services: Home loans, First home buyers, Investment property loans
01
Borrowing Power
We identify every professional lending benefit available to you as a legal professional, from LMI waivers to higher borrowing limits, and make sure your application reflects your true capacity.
02
Rigour
We prepare every application thoroughly before it goes to a lender. No loose ends, no surprises, and no avoidable delays that cost you a property you wanted.
03
Independence
We are not tied to any lender. We compare 30+ options and recommend what is genuinely right for your situation based on your income, goals, and career stage.
04
Efficiency
Legal careers are demanding. We manage the entire process on your behalf and keep you involved only at the moments that matter.
05
Foresight
We structure your loan with the long term in mind. As your career grows and your financial position strengthens, we review your loan and help you plan the next move.
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 legal professionals.
The finance services legal professionals rely on to maximise their borrowing power and access every professional lending advantage available.
01
Home Loan Pre-Approval
We secure a fully assessed pre-approval tailored to your income and career stage so you can bid at auction and make offers with complete confidence.
02
LMI Waiver
Lawyers 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 60+ lenders to find the right rate and structure for your situation, whether you are buying, upgrading, or investing.
04
Refinancing
We review your loan regularly to make sure you are always on the most competitive rate as your career and income evolve.
05
Construction, House and Land
Specialists in both. We manage the full finance process from start to finish so you can stay focused on your career while the build progresses.
06
Property Wealth Planning
Your legal income puts you in a strong position to build a 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 lawyers and legal professionals face and exactly how we solve them.
Without Elephant
Paying LMI you may not need to
Broker doesn't understand legal income
Not borrowing to your full capacity
No time to manage finance
Loan never reviewed after settlement
With Elephant Advisory
LMI waiver checked as standard
We get how lawyers earn and borrow
Lenders chosen for professional policies
We handle it around your schedule
Regular reviews as your career grows
“At Elephant Advisory, we help lawyers and legal professionals treat their career as the financial asset it is when it comes to securing the right home loan.”
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. Many lenders offer LMI waivers for legal professionals including lawyers, barristers, and solicitors, allowing you to borrow above 80% without the added cost. We check this as standard for every legal professional we work with.
Partnership distributions and firm equity are assessed differently by different lenders. A poorly prepared application can result in your borrowing capacity being significantly understated. We know how to document and present this income correctly.
Some lenders offer preferential rates or terms for high-income professionals. Beyond rate, the bigger benefit is often the LMI waiver and higher loan-to-value ratios. We identify the best combination for your specific situation.
It depends on your income, expenses, existing debt, and career stage. Legal professionals often have access to higher borrowing limits than standard applicants. We run a full borrowing capacity assessment and match you with the right lenders.
Yes. Many legal professionals are well positioned to build a property portfolio. We create tailored wealth plans that map out how to leverage your income and equity to invest strategically over time.
We work around your schedule. Consultations by phone or video at any time, and we manage the full process so your involvement is limited to the decisions that genuinely require your input.
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
Specialised lending for legal professionals
Legal professionals have unique income structures, strong borrowing power, and access to professional lending benefits most borrowers never see. We make sure you use every advantage available to you.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Lawyers often have strong borrowing power and access to professional lending benefits most borrowers never see. Elephant Advisory compares 60+ lenders for Melbourne legal professionals so you use every advantage available to you.
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 lawyers built on values actually mean something
Legal professionals understand the value of precision, preparation, and working with people who know what they are doing. So do we.
Related services: Home loans, First home buyers, Investment property loans
01
Borrowing Power
We identify every professional lending benefit available to you as a legal professional, from LMI waivers to higher borrowing limits, and make sure your application reflects your true capacity.
02
Rigour
We prepare every application thoroughly before it goes to a lender. No loose ends, no surprises, and no avoidable delays that cost you a property you wanted.
03
Independence
We are not tied to any lender. We compare 30+ options and recommend what is genuinely right for your situation based on your income, goals, and career stage.
04
Efficiency
Legal careers are demanding. We manage the entire process on your behalf and keep you involved only at the moments that matter.
05
Foresight
We structure your loan with the long term in mind. As your career grows and your financial position strengthens, we review your loan and help you plan the next move.
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 legal professionals.
The finance services legal professionals rely on to maximise their borrowing power and access every professional lending advantage available.
01
Home Loan Pre-Approval
We secure a fully assessed pre-approval tailored to your income and career stage so you can bid at auction and make offers with complete confidence.
02
LMI Waiver
Lawyers 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 60+ lenders to find the right rate and structure for your situation, whether you are buying, upgrading, or investing.
04
Refinancing
We review your loan regularly to make sure you are always on the most competitive rate as your career and income evolve.
05
Construction, House and Land
Specialists in both. We manage the full finance process from start to finish so you can stay focused on your career while the build progresses.
06
Property Wealth Planning
Your legal income puts you in a strong position to build a 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 lawyers and legal professionals face and exactly how we solve them.
Without Elephant
Paying LMI you may not need to
Broker doesn't understand legal income
Not borrowing to your full capacity
No time to manage finance
Loan never reviewed after settlement
With Elephant Advisory
LMI waiver checked as standard
We get how lawyers earn and borrow
Lenders chosen for professional policies
We handle it around your schedule
Regular reviews as your career grows
“At Elephant Advisory, we help lawyers and legal professionals treat their career as the financial asset it is when it comes to securing the right home loan.”
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. Many lenders offer LMI waivers for legal professionals including lawyers, barristers, and solicitors, allowing you to borrow above 80% without the added cost. We check this as standard for every legal professional we work with.
Partnership distributions and firm equity are assessed differently by different lenders. A poorly prepared application can result in your borrowing capacity being significantly understated. We know how to document and present this income correctly.
Some lenders offer preferential rates or terms for high-income professionals. Beyond rate, the bigger benefit is often the LMI waiver and higher loan-to-value ratios. We identify the best combination for your specific situation.
It depends on your income, expenses, existing debt, and career stage. Legal professionals often have access to higher borrowing limits than standard applicants. We run a full borrowing capacity assessment and match you with the right lenders.
Yes. Many legal professionals are well positioned to build a property portfolio. We create tailored wealth plans that map out how to leverage your income and equity to invest strategically over time.
We work around your schedule. Consultations by phone or video at any time, and we manage the full process so your involvement is limited to the decisions that genuinely require your input.
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
Specialised lending for legal professionals
Legal professionals have unique income structures, strong borrowing power, and access to professional lending benefits most borrowers never see. We make sure you use every advantage available to you.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Lawyers often have strong borrowing power and access to professional lending benefits most borrowers never see. Elephant Advisory compares 60+ lenders for Melbourne legal professionals so you use every advantage available to you.
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 lawyers built on values actually mean something
Legal professionals understand the value of precision, preparation, and working with people who know what they are doing. So do we.
Related services: Home loans, First home buyers, Investment property loans
01
Borrowing Power
We identify every professional lending benefit available to you as a legal professional, from LMI waivers to higher borrowing limits, and make sure your application reflects your true capacity.
02
Rigour
We prepare every application thoroughly before it goes to a lender. No loose ends, no surprises, and no avoidable delays that cost you a property you wanted.
03
Independence
We are not tied to any lender. We compare 30+ options and recommend what is genuinely right for your situation based on your income, goals, and career stage.
04
Efficiency
Legal careers are demanding. We manage the entire process on your behalf and keep you involved only at the moments that matter.
05
Foresight
We structure your loan with the long term in mind. As your career grows and your financial position strengthens, we review your loan and help you plan the next move.
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 legal professionals.
The finance services legal professionals rely on to maximise their borrowing power and access every professional lending advantage available.
01
Home Loan Pre-Approval
We secure a fully assessed pre-approval tailored to your income and career stage so you can bid at auction and make offers with complete confidence.
02
LMI Waiver
Lawyers 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 60+ lenders to find the right rate and structure for your situation, whether you are buying, upgrading, or investing.
04
Refinancing
We review your loan regularly to make sure you are always on the most competitive rate as your career and income evolve.
05
Construction, House and Land
Specialists in both. We manage the full finance process from start to finish so you can stay focused on your career while the build progresses.
06
Property Wealth Planning
Your legal income puts you in a strong position to build a 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 lawyers and legal professionals face and exactly how we solve them.
Without Elephant
Paying LMI you may not need to
Broker doesn't understand legal income
Not borrowing to your full capacity
No time to manage finance
Loan never reviewed after settlement
With Elephant Advisory
LMI waiver checked as standard
We get how lawyers earn and borrow
Lenders chosen for professional policies
We handle it around your schedule
Regular reviews as your career grows
“At Elephant Advisory, we help lawyers and legal professionals treat their career as the financial asset it is when it comes to securing the right home loan.”
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. Many lenders offer LMI waivers for legal professionals including lawyers, barristers, and solicitors, allowing you to borrow above 80% without the added cost. We check this as standard for every legal professional we work with.
Partnership distributions and firm equity are assessed differently by different lenders. A poorly prepared application can result in your borrowing capacity being significantly understated. We know how to document and present this income correctly.
Some lenders offer preferential rates or terms for high-income professionals. Beyond rate, the bigger benefit is often the LMI waiver and higher loan-to-value ratios. We identify the best combination for your specific situation.
It depends on your income, expenses, existing debt, and career stage. Legal professionals often have access to higher borrowing limits than standard applicants. We run a full borrowing capacity assessment and match you with the right lenders.
Yes. Many legal professionals are well positioned to build a property portfolio. We create tailored wealth plans that map out how to leverage your income and equity to invest strategically over time.
We work around your schedule. Consultations by phone or video at any time, and we manage the full process so your involvement is limited to the decisions that genuinely require your input.
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).