← Home Loans & Finance
A home for all your property wealth planning needs.
Most people know property builds wealth. Few have a clear plan for how to do it. We build you a personalised property wealth plan that maps out exactly when you can buy, how much you can borrow, and what it takes to reach your goals.
Best Interests Duty
60+ lenders compared
Reviews after settlement
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Building your property portfolio with values that actually mean something
From the way we review your finances to how we build your plan, our values guide every step.
Related services: Investment property loans, SMSF loans, Tax planning
01
GUIDANCE
Building a property portfolio without a plan is like driving without a map. We give you a clear, personalised roadmap so you always know what to buy, when to buy, and how to get there.
02
OPPORTUNITY
Property wealth is about more than the next purchase. We look at your full financial picture to identify every opportunity to maximise your borrowing capacity and leverage your existing equity.
03
ACCOUNTABILITY
A great plan means nothing without follow-through. We review your progress, adjust your strategy as your circumstances change, and stay with you for the long haul.
04
LENDER ACCESS
With access to 60+ lenders, we make sure your portfolio is always structured with the right finance - competitive rates, smart structures, and loans that support your long-term wealth goals.
05
STRATEGY
Effective property wealth planning is about milestones, not just aspirations. We combine your goals with a detailed financial model so every decision you make is backed by data and a clear path forward.
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
Property wealth planning services built around your goals.
From your first investment property to a full portfolio, we build the plan and source the finance to get you there.
01
Property Wealth Planning
We build a detailed, personalised property wealth plan based on your income, expenses, assets, and goals so you know exactly what to save, when to buy, and how to get there.
02
Finance Review & Structuring
We review your current financial position, maximise your borrowing capacity, and structure your loans correctly so each property purchase builds on the last and sets you up for the next one.
03
Equity Leverage Strategy
If you already own property, there may be equity available to fund your next purchase. We show you how to access and use it effectively without overexposing your position.
04
Investment Loan Sourcing
We compare investment loans across 60+ lenders to find the right product for your strategy, whether that is interest only for cash flow or principal and interest to build equity faster.
05
Scenario Modelling
We run detailed financial models across different purchase timelines so you can see clearly what each path looks like and make confident decisions before you commit to anything.
06
Portfolio Reviews
A property plan is not set and forget. We review your portfolio regularly, track progress against your plan, and adjust your strategy as your goals and circumstances evolve.
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
Most people want to invest in property. Few have a plan to do it properly.
The challenges most property investors face and exactly how we fix them.
Without Elephant
No plan to grow a portfolio
Unsure when or how much to borrow
Equity sitting idle
No clarity on structure or tax
No one keeping you accountable
With Elephant Advisory
A tailored property wealth plan
Full finance review, multiple scenarios
We put your equity to work
Advice that covers the full picture
Ongoing reviews, always on track
“At Elephant Advisory, we give you more than a loan. We give you a roadmap that shows exactly how to use property to build the financial future you actually want.”
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.
A property wealth plan is a detailed financial roadmap that maps out how to build a property portfolio based on your specific income, expenses, goals, and timeline. If you want to invest in property but are unsure where to start or how to sequence your purchases, a plan gives you the clarity and confidence to act.
This depends on your borrowing capacity, existing equity, income, and expenses. We run detailed scenario modelling across different timelines and purchase strategies so you can see exactly what is achievable and what needs to happen to get there.
In many cases yes. If you have built up equity in your existing property, we can assess how much is accessible and structure a loan that lets you use it as a deposit for your next purchase without undermining your financial position.
It depends on your strategy. Interest only keeps repayments lower and preserves cash flow, which suits investors who want to hold multiple properties. Principal and interest builds equity faster, which can be useful for leveraging future purchases. We help you choose the right structure based on your goals.
We build the review process into the plan from the start. Depending on where you are in your journey, we check in regularly to track your progress, assess any changes to your financial position, and adjust the plan where needed. Property investing is a long game and we are with you for all of it.
Both. Once your plan is in place and you are ready to purchase, our mortgage brokering team manages the full finance process including pre-approval, lender selection, and settlement. You do not need to go anywhere else.
Home Loans & Property
Read before you apply
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
How to Increase Your Borrowing Capacity Quickly and Easily
The fastest way to lift your borrowing power is to review your debts. Which credit cards, loans and HECS to close, and which to keep as a buffer.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
← Home Loans & Finance
A home for all your property wealth planning needs.
Most people know property builds wealth. Few have a clear plan for how to do it. We build you a personalised property wealth plan that maps out exactly when you can buy, how much you can borrow, and what it takes to reach your goals.
Best Interests Duty
60+ lenders compared
Reviews after settlement
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Building your property portfolio with values that actually mean something
From the way we review your finances to how we build your plan, our values guide every step.
Related services: Investment property loans, SMSF loans, Tax planning
01
GUIDANCE
Building a property portfolio without a plan is like driving without a map. We give you a clear, personalised roadmap so you always know what to buy, when to buy, and how to get there.
02
OPPORTUNITY
Property wealth is about more than the next purchase. We look at your full financial picture to identify every opportunity to maximise your borrowing capacity and leverage your existing equity.
03
ACCOUNTABILITY
A great plan means nothing without follow-through. We review your progress, adjust your strategy as your circumstances change, and stay with you for the long haul.
04
LENDER ACCESS
With access to 60+ lenders, we make sure your portfolio is always structured with the right finance - competitive rates, smart structures, and loans that support your long-term wealth goals.
05
STRATEGY
Effective property wealth planning is about milestones, not just aspirations. We combine your goals with a detailed financial model so every decision you make is backed by data and a clear path forward.
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
Property wealth planning services built around your goals.
From your first investment property to a full portfolio, we build the plan and source the finance to get you there.
01
Property Wealth Planning
We build a detailed, personalised property wealth plan based on your income, expenses, assets, and goals so you know exactly what to save, when to buy, and how to get there.
02
Finance Review & Structuring
We review your current financial position, maximise your borrowing capacity, and structure your loans correctly so each property purchase builds on the last and sets you up for the next one.
03
Equity Leverage Strategy
If you already own property, there may be equity available to fund your next purchase. We show you how to access and use it effectively without overexposing your position.
04
Investment Loan Sourcing
We compare investment loans across 60+ lenders to find the right product for your strategy, whether that is interest only for cash flow or principal and interest to build equity faster.
05
Scenario Modelling
We run detailed financial models across different purchase timelines so you can see clearly what each path looks like and make confident decisions before you commit to anything.
06
Portfolio Reviews
A property plan is not set and forget. We review your portfolio regularly, track progress against your plan, and adjust your strategy as your goals and circumstances evolve.
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
Most people want to invest in property. Few have a plan to do it properly.
The challenges most property investors face and exactly how we fix them.
Without Elephant
No plan to grow a portfolio
Unsure when or how much to borrow
Equity sitting idle
No clarity on structure or tax
No one keeping you accountable
With Elephant Advisory
A tailored property wealth plan
Full finance review, multiple scenarios
We put your equity to work
Advice that covers the full picture
Ongoing reviews, always on track
“At Elephant Advisory, we give you more than a loan. We give you a roadmap that shows exactly how to use property to build the financial future you actually want.”
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.
A property wealth plan is a detailed financial roadmap that maps out how to build a property portfolio based on your specific income, expenses, goals, and timeline. If you want to invest in property but are unsure where to start or how to sequence your purchases, a plan gives you the clarity and confidence to act.
This depends on your borrowing capacity, existing equity, income, and expenses. We run detailed scenario modelling across different timelines and purchase strategies so you can see exactly what is achievable and what needs to happen to get there.
In many cases yes. If you have built up equity in your existing property, we can assess how much is accessible and structure a loan that lets you use it as a deposit for your next purchase without undermining your financial position.
It depends on your strategy. Interest only keeps repayments lower and preserves cash flow, which suits investors who want to hold multiple properties. Principal and interest builds equity faster, which can be useful for leveraging future purchases. We help you choose the right structure based on your goals.
We build the review process into the plan from the start. Depending on where you are in your journey, we check in regularly to track your progress, assess any changes to your financial position, and adjust the plan where needed. Property investing is a long game and we are with you for all of it.
Both. Once your plan is in place and you are ready to purchase, our mortgage brokering team manages the full finance process including pre-approval, lender selection, and settlement. You do not need to go anywhere else.
Home Loans & Property
Read before you apply
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
How to Increase Your Borrowing Capacity Quickly and Easily
The fastest way to lift your borrowing power is to review your debts. Which credit cards, loans and HECS to close, and which to keep as a buffer.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
← Home Loans & Finance
A home for all your property wealth planning needs.
Most people know property builds wealth. Few have a clear plan for how to do it. We build you a personalised property wealth plan that maps out exactly when you can buy, how much you can borrow, and what it takes to reach your goals.
Best Interests Duty
60+ lenders compared
Reviews after settlement
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Building your property portfolio with values that actually mean something
From the way we review your finances to how we build your plan, our values guide every step.
Related services: Investment property loans, SMSF loans, Tax planning
01
GUIDANCE
Building a property portfolio without a plan is like driving without a map. We give you a clear, personalised roadmap so you always know what to buy, when to buy, and how to get there.
02
OPPORTUNITY
Property wealth is about more than the next purchase. We look at your full financial picture to identify every opportunity to maximise your borrowing capacity and leverage your existing equity.
03
ACCOUNTABILITY
A great plan means nothing without follow-through. We review your progress, adjust your strategy as your circumstances change, and stay with you for the long haul.
04
LENDER ACCESS
With access to 60+ lenders, we make sure your portfolio is always structured with the right finance - competitive rates, smart structures, and loans that support your long-term wealth goals.
05
STRATEGY
Effective property wealth planning is about milestones, not just aspirations. We combine your goals with a detailed financial model so every decision you make is backed by data and a clear path forward.
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
Property wealth planning services built around your goals.
From your first investment property to a full portfolio, we build the plan and source the finance to get you there.
01
Property Wealth Planning
We build a detailed, personalised property wealth plan based on your income, expenses, assets, and goals so you know exactly what to save, when to buy, and how to get there.
02
Finance Review & Structuring
We review your current financial position, maximise your borrowing capacity, and structure your loans correctly so each property purchase builds on the last and sets you up for the next one.
03
Equity Leverage Strategy
If you already own property, there may be equity available to fund your next purchase. We show you how to access and use it effectively without overexposing your position.
04
Investment Loan Sourcing
We compare investment loans across 60+ lenders to find the right product for your strategy, whether that is interest only for cash flow or principal and interest to build equity faster.
05
Scenario Modelling
We run detailed financial models across different purchase timelines so you can see clearly what each path looks like and make confident decisions before you commit to anything.
06
Portfolio Reviews
A property plan is not set and forget. We review your portfolio regularly, track progress against your plan, and adjust your strategy as your goals and circumstances evolve.
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
Most people want to invest in property. Few have a plan to do it properly.
The challenges most property investors face and exactly how we fix them.
Without Elephant
No plan to grow a portfolio
Unsure when or how much to borrow
Equity sitting idle
No clarity on structure or tax
No one keeping you accountable
With Elephant Advisory
A tailored property wealth plan
Full finance review, multiple scenarios
We put your equity to work
Advice that covers the full picture
Ongoing reviews, always on track
“At Elephant Advisory, we give you more than a loan. We give you a roadmap that shows exactly how to use property to build the financial future you actually want.”
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.
A property wealth plan is a detailed financial roadmap that maps out how to build a property portfolio based on your specific income, expenses, goals, and timeline. If you want to invest in property but are unsure where to start or how to sequence your purchases, a plan gives you the clarity and confidence to act.
This depends on your borrowing capacity, existing equity, income, and expenses. We run detailed scenario modelling across different timelines and purchase strategies so you can see exactly what is achievable and what needs to happen to get there.
In many cases yes. If you have built up equity in your existing property, we can assess how much is accessible and structure a loan that lets you use it as a deposit for your next purchase without undermining your financial position.
It depends on your strategy. Interest only keeps repayments lower and preserves cash flow, which suits investors who want to hold multiple properties. Principal and interest builds equity faster, which can be useful for leveraging future purchases. We help you choose the right structure based on your goals.
We build the review process into the plan from the start. Depending on where you are in your journey, we check in regularly to track your progress, assess any changes to your financial position, and adjust the plan where needed. Property investing is a long game and we are with you for all of it.
Both. Once your plan is in place and you are ready to purchase, our mortgage brokering team manages the full finance process including pre-approval, lender selection, and settlement. You do not need to go anywhere else.
Home Loans & Property
Read before you apply
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
How to Increase Your Borrowing Capacity Quickly and Easily
The fastest way to lift your borrowing power is to review your debts. Which credit cards, loans and HECS to close, and which to keep as a buffer.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.