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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 nurses and healthcare workers
Nurses work demanding hours for stable, respected incomes. We help Melbourne nurses and healthcare professionals use that stability to secure the right home loan, access better rates, and build a property future that reflects the work they put in every day.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Nurses and healthcare workers have stable, respected incomes that lenders like. Elephant Advisory helps Melbourne nurses use that stability to secure the right home loan and better rates across 60+ lenders.
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 nurses built on values that actually mean something
Nurses show up for their patients every single day. We show up for our clients the same way.
Related services: Home loans, First home buyers, Investment property loans
01
Commitment
We stay with you long after settlement. Regular loan reviews, refinancing checks, and a team that is always available mean you are never left managing your mortgage on your own.
02
Accessibility
Shift work and irregular hours should never get in the way of good financial advice. We work around your roster and keep the process as simple and low-friction as possible.
03
Reliability
We prepare every application thoroughly and manage every step of the process so nothing is missed and nothing is delayed.
04
Expertise
We know how to present nursing income including allowances, overtime, and shift loadings in a way that maximises your borrowing power rather than raising questions from a lender.
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 nurses and healthcare professionals.
What most nurses don't know about their home loan options and how we fix that.
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
Nurse Income Assessment
We know which lenders treat shift loadings and overtime most favourably and present your income 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 as your career and income progress.
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 nursing 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 nurses face and exactly how we solve them.
Without Elephant
Shift allowances and overtime not counted
Broker doesn't get nursing income
Losing properties without pre-approval
No time to manage finance around shifts
Loan never reviewed after settlement
With Elephant Advisory
We find lenders who include your full income
We know how nurses earn and borrow
Fully assessed pre-approval, ready to move
We handle it around your roster
Regular reviews as your career grows
“At Elephant Advisory, we help nurses get the credit they deserve, both professionally and financially, by making sure every part of their income counts when it comes to securing a 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.
Some lenders offer preferential treatment for healthcare workers around how allowances and overtime are assessed. While LMI waivers are less common than for higher-income professions, a thorough income assessment and the right lender can still make a meaningful difference to your borrowing power.
It depends entirely on the lender. Some include shift loadings and regular overtime, others do not. We know which lenders treat nursing income most favourably and how to document it correctly so your full earning capacity is reflected in your application.
It depends on your base salary, allowances, overtime, existing debts, and expenses. We run a thorough borrowing capacity assessment that captures your complete income picture and identifies the lenders most likely to give you the strongest result.
Yes, though it requires more careful preparation. Lenders assess casual and part-time income differently. We know which lenders are most flexible for healthcare workers on non-permanent contracts and how to present your employment history in the strongest way.
Yes. Pre-approval gives you a clear budget and allows you to move quickly when the right property comes up. We secure a fully assessed pre-approval so it carries genuine weight when you need it.
We work around you completely. Consultations by phone or video at whatever time suits your roster, and we manage the full process on your behalf so your time commitment is kept to a minimum.
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 nurses and healthcare workers
Nurses work demanding hours for stable, respected incomes. We help Melbourne nurses and healthcare professionals use that stability to secure the right home loan, access better rates, and build a property future that reflects the work they put in every day.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Nurses and healthcare workers have stable, respected incomes that lenders like. Elephant Advisory helps Melbourne nurses use that stability to secure the right home loan and better rates across 60+ lenders.
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 nurses built on values that actually mean something
Nurses show up for their patients every single day. We show up for our clients the same way.
Related services: Home loans, First home buyers, Investment property loans
01
Commitment
We stay with you long after settlement. Regular loan reviews, refinancing checks, and a team that is always available mean you are never left managing your mortgage on your own.
02
Accessibility
Shift work and irregular hours should never get in the way of good financial advice. We work around your roster and keep the process as simple and low-friction as possible.
03
Reliability
We prepare every application thoroughly and manage every step of the process so nothing is missed and nothing is delayed.
04
Expertise
We know how to present nursing income including allowances, overtime, and shift loadings in a way that maximises your borrowing power rather than raising questions from a lender.
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 nurses and healthcare professionals.
What most nurses don't know about their home loan options and how we fix that.
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
Nurse Income Assessment
We know which lenders treat shift loadings and overtime most favourably and present your income 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 as your career and income progress.
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 nursing 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 nurses face and exactly how we solve them.
Without Elephant
Shift allowances and overtime not counted
Broker doesn't get nursing income
Losing properties without pre-approval
No time to manage finance around shifts
Loan never reviewed after settlement
With Elephant Advisory
We find lenders who include your full income
We know how nurses earn and borrow
Fully assessed pre-approval, ready to move
We handle it around your roster
Regular reviews as your career grows
“At Elephant Advisory, we help nurses get the credit they deserve, both professionally and financially, by making sure every part of their income counts when it comes to securing a 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.
Some lenders offer preferential treatment for healthcare workers around how allowances and overtime are assessed. While LMI waivers are less common than for higher-income professions, a thorough income assessment and the right lender can still make a meaningful difference to your borrowing power.
It depends entirely on the lender. Some include shift loadings and regular overtime, others do not. We know which lenders treat nursing income most favourably and how to document it correctly so your full earning capacity is reflected in your application.
It depends on your base salary, allowances, overtime, existing debts, and expenses. We run a thorough borrowing capacity assessment that captures your complete income picture and identifies the lenders most likely to give you the strongest result.
Yes, though it requires more careful preparation. Lenders assess casual and part-time income differently. We know which lenders are most flexible for healthcare workers on non-permanent contracts and how to present your employment history in the strongest way.
Yes. Pre-approval gives you a clear budget and allows you to move quickly when the right property comes up. We secure a fully assessed pre-approval so it carries genuine weight when you need it.
We work around you completely. Consultations by phone or video at whatever time suits your roster, and we manage the full process on your behalf so your time commitment is kept to a minimum.
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 nurses and healthcare workers
Nurses work demanding hours for stable, respected incomes. We help Melbourne nurses and healthcare professionals use that stability to secure the right home loan, access better rates, and build a property future that reflects the work they put in every day.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Nurses and healthcare workers have stable, respected incomes that lenders like. Elephant Advisory helps Melbourne nurses use that stability to secure the right home loan and better rates across 60+ lenders.
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 nurses built on values that actually mean something
Nurses show up for their patients every single day. We show up for our clients the same way.
Related services: Home loans, First home buyers, Investment property loans
01
Commitment
We stay with you long after settlement. Regular loan reviews, refinancing checks, and a team that is always available mean you are never left managing your mortgage on your own.
02
Accessibility
Shift work and irregular hours should never get in the way of good financial advice. We work around your roster and keep the process as simple and low-friction as possible.
03
Reliability
We prepare every application thoroughly and manage every step of the process so nothing is missed and nothing is delayed.
04
Expertise
We know how to present nursing income including allowances, overtime, and shift loadings in a way that maximises your borrowing power rather than raising questions from a lender.
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 nurses and healthcare professionals.
What most nurses don't know about their home loan options and how we fix that.
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
Nurse Income Assessment
We know which lenders treat shift loadings and overtime most favourably and present your income 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 as your career and income progress.
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 nursing 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 nurses face and exactly how we solve them.
Without Elephant
Shift allowances and overtime not counted
Broker doesn't get nursing income
Losing properties without pre-approval
No time to manage finance around shifts
Loan never reviewed after settlement
With Elephant Advisory
We find lenders who include your full income
We know how nurses earn and borrow
Fully assessed pre-approval, ready to move
We handle it around your roster
Regular reviews as your career grows
“At Elephant Advisory, we help nurses get the credit they deserve, both professionally and financially, by making sure every part of their income counts when it comes to securing a 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.
Some lenders offer preferential treatment for healthcare workers around how allowances and overtime are assessed. While LMI waivers are less common than for higher-income professions, a thorough income assessment and the right lender can still make a meaningful difference to your borrowing power.
It depends entirely on the lender. Some include shift loadings and regular overtime, others do not. We know which lenders treat nursing income most favourably and how to document it correctly so your full earning capacity is reflected in your application.
It depends on your base salary, allowances, overtime, existing debts, and expenses. We run a thorough borrowing capacity assessment that captures your complete income picture and identifies the lenders most likely to give you the strongest result.
Yes, though it requires more careful preparation. Lenders assess casual and part-time income differently. We know which lenders are most flexible for healthcare workers on non-permanent contracts and how to present your employment history in the strongest way.
Yes. Pre-approval gives you a clear budget and allows you to move quickly when the right property comes up. We secure a fully assessed pre-approval so it carries genuine weight when you need it.
We work around you completely. Consultations by phone or video at whatever time suits your roster, and we manage the full process on your behalf so your time commitment is kept to a minimum.
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).