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← Home Loans & Finance
A home for all your home loan refinancing needs.
If you have had your home loan for a few years, there is a good chance you are paying more than you need to. We review your current rate, compare 60+ lenders, and manage the full refinancing process so you can start saving sooner.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Refinancing replaces your current home loan with a better one, either with a new lender or a sharper deal from your own. Elephant Advisory reviews your rate, compares 60+ lenders and manages the whole switch for Melbourne homeowners.
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
Refinancing your home loan with values that actually mean something
From the way we review your current rate to how we manage your settlement, our values guide every step.
Related services: Home loans, Investment property loans, Home loans for business owners
01
SAVINGS FIRST
We start by negotiating with your existing lender before we look elsewhere. In many cases this delivers an immediate rate reduction - and if it doesn't, we know exactly where to find a better deal.
02
ASSESSMENT
Every refinance starts with a thorough review of your current rate, structure, and financial position. We make sure the numbers stack up and that refinancing is genuinely the right move for you.
03
VARIETY
With access to 60+ lenders, we compare every option available - major banks, online lenders, and specialist products - to find the rate and structure that works hardest for your situation.
04
END-TO-END
From your initial rate review through to settlement and discharge, we manage the entire refinancing process so you never have to deal with two lenders at once.
05
SUPPORT
Our work doesn't stop at settlement. We review your rate and structure regularly to make sure you are always on the best deal available as the market and your circumstances change.
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
Refinancing services that put more money back in your pocket.
From your first rate review to ongoing monitoring, we make sure your home loan is always working as hard as it should be.
01
Rate Review
Before we look elsewhere, we go back to your existing lender and push for a better rate. In many cases this alone delivers an immediate saving — but we never stop there.
02
Lender Comparison
We compare refinancing options across 60+ lenders to find the most competitive rate and product for your situation, whether that is a major bank or a specialist lender.
03
Application and Settlement
Once the right lender and structure is chosen, we prepare your application, coordinate discharge forms, and manage the full transfer from your existing lender to the new one.
04
Equity Release
If you have built up equity in your property, refinancing can give you access to those funds for renovations, investment, or other goals without selling the property.
05
Debt Restructuring
Refinancing is not just about rate. It is an opportunity to restructure your debt, consolidate loans, or adjust your loan type to better suit where you are now.
06
Ongoing Loan Reviews
Refinancing once is a good start. We review your rate and structure regularly so you are never left paying more than you should be as the market changes.
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
Your current loan is probably costing you more than it should.
The refinancing challenges most homeowners face and exactly how we fix them.
Without Elephant
Paying a loyalty tax
No idea if your rate is competitive
Refinancing feels complicated
Missing cash-backs and better products
No one checking in after settlement
With Elephant Advisory
We negotiate a better rate for you
Full loan review, clear picture
We handle it start to finish
Every incentive identified and compared
Ongoing reviews, always competitive
“At Elephant Advisory, we treat refinancing as an ongoing responsibility, not a one-off transaction. Our job is to make sure your loan is always working as hard as possible for you.”
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.
There are some costs involved, including discharge fees, mortgage registration costs, and a settlement fee. Some new lenders also charge annual package fees. That said, many lenders offer cash-back deals that can offset or fully cover these costs. We factor all of this into the comparison so you can see the true benefit before committing.
Cash-back offers are incentives some lenders use to attract new borrowers. They typically require a minimum loan amount of around $250,000 and have specific settlement timeframes to qualify. When structured correctly, they can significantly reduce the cost of switching and in some cases put you ahead from day one. We identify which offers you qualify for as part of our review.
The savings depend on your loan size and the rate reduction available. On a $400,000 home loan, reducing your rate by just 0.5% can save around $43,000 over 30 years. If you use those savings to pay down the loan faster, the total saving can exceed $100,000. We run the numbers for your specific loan so you know exactly what refinancing is worth.
Most refinances settle within three to four weeks once the application is submitted. We manage the entire process including your discharge forms, lender coordination, and title transfer so you do not have to chase anyone or deal with paperwork.
Every loan application involves a credit enquiry which can have a minor short-term impact on your credit score. We minimise this by doing thorough preparation before submitting any application and only approaching the lender we are confident will approve your loan.
The right time to refinance is when the savings outweigh the costs, which is something we calculate for you. As a general rule, if you have not reviewed your loan in the past two to three years, there is a good chance a better deal is available. Book a free consultation and we will tell you exactly where you stand.
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.
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 home loan refinancing needs.
If you have had your home loan for a few years, there is a good chance you are paying more than you need to. We review your current rate, compare 60+ lenders, and manage the full refinancing process so you can start saving sooner.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Refinancing replaces your current home loan with a better one, either with a new lender or a sharper deal from your own. Elephant Advisory reviews your rate, compares 60+ lenders and manages the whole switch for Melbourne homeowners.
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
Refinancing your home loan with values that actually mean something
From the way we review your current rate to how we manage your settlement, our values guide every step.
Related services: Home loans, Investment property loans, Home loans for business owners
01
SAVINGS FIRST
We start by negotiating with your existing lender before we look elsewhere. In many cases this delivers an immediate rate reduction - and if it doesn't, we know exactly where to find a better deal.
02
ASSESSMENT
Every refinance starts with a thorough review of your current rate, structure, and financial position. We make sure the numbers stack up and that refinancing is genuinely the right move for you.
03
VARIETY
With access to 60+ lenders, we compare every option available - major banks, online lenders, and specialist products - to find the rate and structure that works hardest for your situation.
04
END-TO-END
From your initial rate review through to settlement and discharge, we manage the entire refinancing process so you never have to deal with two lenders at once.
05
SUPPORT
Our work doesn't stop at settlement. We review your rate and structure regularly to make sure you are always on the best deal available as the market and your circumstances change.
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
Refinancing services that put more money back in your pocket.
From your first rate review to ongoing monitoring, we make sure your home loan is always working as hard as it should be.
01
Rate Review
Before we look elsewhere, we go back to your existing lender and push for a better rate. In many cases this alone delivers an immediate saving — but we never stop there.
02
Lender Comparison
We compare refinancing options across 60+ lenders to find the most competitive rate and product for your situation, whether that is a major bank or a specialist lender.
03
Application and Settlement
Once the right lender and structure is chosen, we prepare your application, coordinate discharge forms, and manage the full transfer from your existing lender to the new one.
04
Equity Release
If you have built up equity in your property, refinancing can give you access to those funds for renovations, investment, or other goals without selling the property.
05
Debt Restructuring
Refinancing is not just about rate. It is an opportunity to restructure your debt, consolidate loans, or adjust your loan type to better suit where you are now.
06
Ongoing Loan Reviews
Refinancing once is a good start. We review your rate and structure regularly so you are never left paying more than you should be as the market changes.
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
Your current loan is probably costing you more than it should.
The refinancing challenges most homeowners face and exactly how we fix them.
Without Elephant
Paying a loyalty tax
No idea if your rate is competitive
Refinancing feels complicated
Missing cash-backs and better products
No one checking in after settlement
With Elephant Advisory
We negotiate a better rate for you
Full loan review, clear picture
We handle it start to finish
Every incentive identified and compared
Ongoing reviews, always competitive
“At Elephant Advisory, we treat refinancing as an ongoing responsibility, not a one-off transaction. Our job is to make sure your loan is always working as hard as possible for you.”
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.
There are some costs involved, including discharge fees, mortgage registration costs, and a settlement fee. Some new lenders also charge annual package fees. That said, many lenders offer cash-back deals that can offset or fully cover these costs. We factor all of this into the comparison so you can see the true benefit before committing.
Cash-back offers are incentives some lenders use to attract new borrowers. They typically require a minimum loan amount of around $250,000 and have specific settlement timeframes to qualify. When structured correctly, they can significantly reduce the cost of switching and in some cases put you ahead from day one. We identify which offers you qualify for as part of our review.
The savings depend on your loan size and the rate reduction available. On a $400,000 home loan, reducing your rate by just 0.5% can save around $43,000 over 30 years. If you use those savings to pay down the loan faster, the total saving can exceed $100,000. We run the numbers for your specific loan so you know exactly what refinancing is worth.
Most refinances settle within three to four weeks once the application is submitted. We manage the entire process including your discharge forms, lender coordination, and title transfer so you do not have to chase anyone or deal with paperwork.
Every loan application involves a credit enquiry which can have a minor short-term impact on your credit score. We minimise this by doing thorough preparation before submitting any application and only approaching the lender we are confident will approve your loan.
The right time to refinance is when the savings outweigh the costs, which is something we calculate for you. As a general rule, if you have not reviewed your loan in the past two to three years, there is a good chance a better deal is available. Book a free consultation and we will tell you exactly where you stand.
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.
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 home loan refinancing needs.
If you have had your home loan for a few years, there is a good chance you are paying more than you need to. We review your current rate, compare 60+ lenders, and manage the full refinancing process so you can start saving sooner.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Refinancing replaces your current home loan with a better one, either with a new lender or a sharper deal from your own. Elephant Advisory reviews your rate, compares 60+ lenders and manages the whole switch for Melbourne homeowners.
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
Refinancing your home loan with values that actually mean something
From the way we review your current rate to how we manage your settlement, our values guide every step.
Related services: Home loans, Investment property loans, Home loans for business owners
01
SAVINGS FIRST
We start by negotiating with your existing lender before we look elsewhere. In many cases this delivers an immediate rate reduction - and if it doesn't, we know exactly where to find a better deal.
02
ASSESSMENT
Every refinance starts with a thorough review of your current rate, structure, and financial position. We make sure the numbers stack up and that refinancing is genuinely the right move for you.
03
VARIETY
With access to 60+ lenders, we compare every option available - major banks, online lenders, and specialist products - to find the rate and structure that works hardest for your situation.
04
END-TO-END
From your initial rate review through to settlement and discharge, we manage the entire refinancing process so you never have to deal with two lenders at once.
05
SUPPORT
Our work doesn't stop at settlement. We review your rate and structure regularly to make sure you are always on the best deal available as the market and your circumstances change.
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
Refinancing services that put more money back in your pocket.
From your first rate review to ongoing monitoring, we make sure your home loan is always working as hard as it should be.
01
Rate Review
Before we look elsewhere, we go back to your existing lender and push for a better rate. In many cases this alone delivers an immediate saving — but we never stop there.
02
Lender Comparison
We compare refinancing options across 60+ lenders to find the most competitive rate and product for your situation, whether that is a major bank or a specialist lender.
03
Application and Settlement
Once the right lender and structure is chosen, we prepare your application, coordinate discharge forms, and manage the full transfer from your existing lender to the new one.
04
Equity Release
If you have built up equity in your property, refinancing can give you access to those funds for renovations, investment, or other goals without selling the property.
05
Debt Restructuring
Refinancing is not just about rate. It is an opportunity to restructure your debt, consolidate loans, or adjust your loan type to better suit where you are now.
06
Ongoing Loan Reviews
Refinancing once is a good start. We review your rate and structure regularly so you are never left paying more than you should be as the market changes.
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
Your current loan is probably costing you more than it should.
The refinancing challenges most homeowners face and exactly how we fix them.
Without Elephant
Paying a loyalty tax
No idea if your rate is competitive
Refinancing feels complicated
Missing cash-backs and better products
No one checking in after settlement
With Elephant Advisory
We negotiate a better rate for you
Full loan review, clear picture
We handle it start to finish
Every incentive identified and compared
Ongoing reviews, always competitive
“At Elephant Advisory, we treat refinancing as an ongoing responsibility, not a one-off transaction. Our job is to make sure your loan is always working as hard as possible for you.”
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.
There are some costs involved, including discharge fees, mortgage registration costs, and a settlement fee. Some new lenders also charge annual package fees. That said, many lenders offer cash-back deals that can offset or fully cover these costs. We factor all of this into the comparison so you can see the true benefit before committing.
Cash-back offers are incentives some lenders use to attract new borrowers. They typically require a minimum loan amount of around $250,000 and have specific settlement timeframes to qualify. When structured correctly, they can significantly reduce the cost of switching and in some cases put you ahead from day one. We identify which offers you qualify for as part of our review.
The savings depend on your loan size and the rate reduction available. On a $400,000 home loan, reducing your rate by just 0.5% can save around $43,000 over 30 years. If you use those savings to pay down the loan faster, the total saving can exceed $100,000. We run the numbers for your specific loan so you know exactly what refinancing is worth.
Most refinances settle within three to four weeks once the application is submitted. We manage the entire process including your discharge forms, lender coordination, and title transfer so you do not have to chase anyone or deal with paperwork.
Every loan application involves a credit enquiry which can have a minor short-term impact on your credit score. We minimise this by doing thorough preparation before submitting any application and only approaching the lender we are confident will approve your loan.
The right time to refinance is when the savings outweigh the costs, which is something we calculate for you. As a general rule, if you have not reviewed your loan in the past two to three years, there is a good chance a better deal is available. Book a free consultation and we will tell you exactly where you stand.
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.
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). The ultimate holding company is Elephant Ventures Pty Ltd (ABN 86 660 006 771).
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). The ultimate holding company is Elephant Ventures Pty Ltd (ABN 86 660 006 771).
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). The ultimate holding company is Elephant Ventures Pty Ltd (ABN 86 660 006 771).