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
A home for all your teacher home loan needs.
Teachers have stable, reliable incomes and a strong track record with lenders. We help Melbourne educators use that to their advantage, find the right home loan, and build a property future that works as hard as they do.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Teachers have stable, reliable incomes that lenders like. Elephant Advisory helps Melbourne educators use that to find the right home loan across 60+ lenders, compare rates and structure, and plan their next property step.
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 teachers built on values that actually mean something
Teachers invest in others every day. We invest just as much in our clients. Here is how we approach every teacher home loan.
Related services: Home loans, First home buyers, Investment property loans
01
Transparency
We explain every option in plain language so you always know what is happening and why before you commit to anything.
02
Expertise
We understand how teacher income works including salary packaging and allowances and know which lenders assess it most favourably.
03
Availability
We work around school terms and after-hours commitments. Consultations by phone or video at a time that suits you, always.
04
Commitment
We stay with you long after settlement with regular reviews, refinancing checks, and a team that genuinely cares about your long-term financial position.
05
Honesty
We tell you what is right for your situation, not what is easiest for us. If there is a better deal or a better time to buy, we will say so.
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 teachers and educators.
The finance services educators rely on to make the most of their stable income and secure the right home loan.
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
Teacher Income Assessment
We know which lenders treat salary packaging most favourably and present your income to maximise your borrowing capacity.
03
Home Loans
We compare 60+ lenders to find the right rate and structure for your situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your loan regularly to make sure you are always on the most competitive rate.
05
Construction, House and Land
Specialists in both. We manage the full finance process so you can stay focused on your career.
06
Property Wealth Planning
Your teaching income puts you in a strong position to build a portfolio. We create a plan that maps out exactly how.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
If these problems sound familiar, you're not alone.
The home loan challenges most teachers face and exactly how we solve them.
Without Elephant
Salary packaging not fully counted
Broker doesn't understand teacher income
Not borrowing to your full capacity
No time to manage finance around teaching
Loan never reviewed after settlement
With Elephant Advisory
We find lenders who include your full income
We get how teachers earn and borrow
Full income assessment including allowances
We handle it around your schedule
Regular reviews as your career grows
“At Elephant Advisory, we help teachers make the most of one of their biggest assets when it comes to property, a stable, reliable income that lenders genuinely value.”
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.
Government-employed teachers are viewed as low-risk borrowers due to their employment stability. While LMI waivers are less common than for higher-income professions, your consistent income and employment history can still translate into better rates and easier approval with the right lender.
It can. Some lenders gross up your salary packaging to reflect its true value, others treat it inconsistently. We know how each lender handles it and make sure your application captures the full benefit of your remuneration package.
It depends on your salary, allowances, existing debts, and expenses. Government-employed teachers often receive favourable treatment from lenders due to job security. We run a full borrowing capacity assessment and match you with the right lenders.
Yes, though it requires more preparation. We know which lenders are most flexible for teachers on fixed-term contracts and how to present your employment history in the strongest possible way.
Yes. Pre-approval gives you a clear budget, lets you move quickly when the right property comes up, and shows agents you are a serious buyer. We secure a fully assessed pre-approval so it carries genuine weight.
Completely around you. Consultations by phone or video at a time that suits, including evenings and school holidays, and we manage the full process 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
A home for all your teacher home loan needs.
Teachers have stable, reliable incomes and a strong track record with lenders. We help Melbourne educators use that to their advantage, find the right home loan, and build a property future that works as hard as they do.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Teachers have stable, reliable incomes that lenders like. Elephant Advisory helps Melbourne educators use that to find the right home loan across 60+ lenders, compare rates and structure, and plan their next property step.
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 teachers built on values that actually mean something
Teachers invest in others every day. We invest just as much in our clients. Here is how we approach every teacher home loan.
Related services: Home loans, First home buyers, Investment property loans
01
Transparency
We explain every option in plain language so you always know what is happening and why before you commit to anything.
02
Expertise
We understand how teacher income works including salary packaging and allowances and know which lenders assess it most favourably.
03
Availability
We work around school terms and after-hours commitments. Consultations by phone or video at a time that suits you, always.
04
Commitment
We stay with you long after settlement with regular reviews, refinancing checks, and a team that genuinely cares about your long-term financial position.
05
Honesty
We tell you what is right for your situation, not what is easiest for us. If there is a better deal or a better time to buy, we will say so.
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 teachers and educators.
The finance services educators rely on to make the most of their stable income and secure the right home loan.
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
Teacher Income Assessment
We know which lenders treat salary packaging most favourably and present your income to maximise your borrowing capacity.
03
Home Loans
We compare 60+ lenders to find the right rate and structure for your situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your loan regularly to make sure you are always on the most competitive rate.
05
Construction, House and Land
Specialists in both. We manage the full finance process so you can stay focused on your career.
06
Property Wealth Planning
Your teaching income puts you in a strong position to build a portfolio. We create a plan that maps out exactly how.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
If these problems sound familiar, you're not alone.
The home loan challenges most teachers face and exactly how we solve them.
Without Elephant
Salary packaging not fully counted
Broker doesn't understand teacher income
Not borrowing to your full capacity
No time to manage finance around teaching
Loan never reviewed after settlement
With Elephant Advisory
We find lenders who include your full income
We get how teachers earn and borrow
Full income assessment including allowances
We handle it around your schedule
Regular reviews as your career grows
“At Elephant Advisory, we help teachers make the most of one of their biggest assets when it comes to property, a stable, reliable income that lenders genuinely value.”
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.
Government-employed teachers are viewed as low-risk borrowers due to their employment stability. While LMI waivers are less common than for higher-income professions, your consistent income and employment history can still translate into better rates and easier approval with the right lender.
It can. Some lenders gross up your salary packaging to reflect its true value, others treat it inconsistently. We know how each lender handles it and make sure your application captures the full benefit of your remuneration package.
It depends on your salary, allowances, existing debts, and expenses. Government-employed teachers often receive favourable treatment from lenders due to job security. We run a full borrowing capacity assessment and match you with the right lenders.
Yes, though it requires more preparation. We know which lenders are most flexible for teachers on fixed-term contracts and how to present your employment history in the strongest possible way.
Yes. Pre-approval gives you a clear budget, lets you move quickly when the right property comes up, and shows agents you are a serious buyer. We secure a fully assessed pre-approval so it carries genuine weight.
Completely around you. Consultations by phone or video at a time that suits, including evenings and school holidays, and we manage the full process 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
A home for all your teacher home loan needs.
Teachers have stable, reliable incomes and a strong track record with lenders. We help Melbourne educators use that to their advantage, find the right home loan, and build a property future that works as hard as they do.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Teachers have stable, reliable incomes that lenders like. Elephant Advisory helps Melbourne educators use that to find the right home loan across 60+ lenders, compare rates and structure, and plan their next property step.
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 teachers built on values that actually mean something
Teachers invest in others every day. We invest just as much in our clients. Here is how we approach every teacher home loan.
Related services: Home loans, First home buyers, Investment property loans
01
Transparency
We explain every option in plain language so you always know what is happening and why before you commit to anything.
02
Expertise
We understand how teacher income works including salary packaging and allowances and know which lenders assess it most favourably.
03
Availability
We work around school terms and after-hours commitments. Consultations by phone or video at a time that suits you, always.
04
Commitment
We stay with you long after settlement with regular reviews, refinancing checks, and a team that genuinely cares about your long-term financial position.
05
Honesty
We tell you what is right for your situation, not what is easiest for us. If there is a better deal or a better time to buy, we will say so.
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 teachers and educators.
The finance services educators rely on to make the most of their stable income and secure the right home loan.
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
Teacher Income Assessment
We know which lenders treat salary packaging most favourably and present your income to maximise your borrowing capacity.
03
Home Loans
We compare 60+ lenders to find the right rate and structure for your situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your loan regularly to make sure you are always on the most competitive rate.
05
Construction, House and Land
Specialists in both. We manage the full finance process so you can stay focused on your career.
06
Property Wealth Planning
Your teaching income puts you in a strong position to build a portfolio. We create a plan that maps out exactly how.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
If these problems sound familiar, you're not alone.
The home loan challenges most teachers face and exactly how we solve them.
Without Elephant
Salary packaging not fully counted
Broker doesn't understand teacher income
Not borrowing to your full capacity
No time to manage finance around teaching
Loan never reviewed after settlement
With Elephant Advisory
We find lenders who include your full income
We get how teachers earn and borrow
Full income assessment including allowances
We handle it around your schedule
Regular reviews as your career grows
“At Elephant Advisory, we help teachers make the most of one of their biggest assets when it comes to property, a stable, reliable income that lenders genuinely value.”
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.
Government-employed teachers are viewed as low-risk borrowers due to their employment stability. While LMI waivers are less common than for higher-income professions, your consistent income and employment history can still translate into better rates and easier approval with the right lender.
It can. Some lenders gross up your salary packaging to reflect its true value, others treat it inconsistently. We know how each lender handles it and make sure your application captures the full benefit of your remuneration package.
It depends on your salary, allowances, existing debts, and expenses. Government-employed teachers often receive favourable treatment from lenders due to job security. We run a full borrowing capacity assessment and match you with the right lenders.
Yes, though it requires more preparation. We know which lenders are most flexible for teachers on fixed-term contracts and how to present your employment history in the strongest possible way.
Yes. Pre-approval gives you a clear budget, lets you move quickly when the right property comes up, and shows agents you are a serious buyer. We secure a fully assessed pre-approval so it carries genuine weight.
Completely around you. Consultations by phone or video at a time that suits, including evenings and school holidays, and we manage the full process 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).