A home for all your house and land package needs.
A home for all your house and land package needs.
A home for all your house and land package needs.
House and land packages give you the freedom to choose your land and your builder. But the finance behind them is more complex than a standard home loan. We specialise in this process and guide you through every step from pre-approval to final handover.
House and land packages give you the freedom to choose your land and your builder. But the finance behind them is more complex than a standard home loan. We specialise in this process and guide you through every step from pre-approval to final handover.
Our Solution
Our Values
Financing your house and land package with values that actually mean something
Financing your house and land package with values that actually mean something
From the way we assess your borrowing capacity to how we manage your progress payments, our values guide every step.
BORROWING POWER
Before anything else, we make sure you understand exactly what you can borrow for both the land and construction separately - so there are no surprises at any stage of the process.
BORROWING POWER
Before anything else, we make sure you understand exactly what you can borrow for both the land and construction separately - so there are no surprises at any stage of the process.
UNDERSTANDING
House and land packages are more complex than standard home loans. We explain every step in plain language so you always know what's happening, what's required, and what comes next.
UNDERSTANDING
House and land packages are more complex than standard home loans. We explain every step in plain language so you always know what's happening, what's required, and what comes next.
INDEPENDENCE
With access to 30+ lenders, we take a genuinely independent approach to finding the right loan for your land and construction - no bias, no shortcuts, just the best result for your situation.
INDEPENDENCE
With access to 30+ lenders, we take a genuinely independent approach to finding the right loan for your land and construction - no bias, no shortcuts, just the best result for your situation.
LENDER MANAGEMENT
From pre-approval through to final progress payment, we manage every interaction with your lender so the process runs smoothly and your builder always gets paid on time.
LENDER MANAGEMENT
From pre-approval through to final progress payment, we manage every interaction with your lender so the process runs smoothly and your builder always gets paid on time.
DEDICATION
We stay with you from the first consultation through to handover - managing variations, coordinating payments, and making sure your build is funded correctly at every stage.
DEDICATION
We stay with you from the first consultation through to handover - managing variations, coordinating payments, and making sure your build is funded correctly at every stage.
Our Solution
Our Values
Financing your house and land package with values that actually mean something
From the way we assess your borrowing capacity to how we manage your progress payments, our values guide every step.
BORROWING POWER
Before anything else, we make sure you understand exactly what you can borrow for both the land and construction separately - so there are no surprises at any stage of the process.
UNDERSTANDING
House and land packages are more complex than standard home loans. We explain every step in plain language so you always know what's happening, what's required, and what comes next.
INDEPENDENCE
With access to 30+ lenders, we take a genuinely independent approach to finding the right loan for your land and construction - no bias, no shortcuts, just the best result for your situation.
LENDER MANAGEMENT
From pre-approval through to final progress payment, we manage every interaction with your lender so the process runs smoothly and your builder always gets paid on time.
DEDICATION
We stay with you from the first consultation through to handover - managing variations, coordinating payments, and making sure your build is funded correctly at every stage.
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.
TOP LENDERS WE WORK WITH
Our Services
House and land package services built around your build.
We cover every stage of your house and land package so nothing gets missed.
Land Pre-Approval
We source pre-approval for your land purchase across 30+ lenders so you can secure your block and start builder conversations with confidence, knowing your finance is already in place.
Construction Pre-Approval
We get your construction loan pre-approved separately so both parts of your package are covered regardless of timing between land settlement and build commencement.
Business Solutions
We get your construction loan pre-approved separately so both parts of your package are covered regardless of timing between land settlement and build commencement.
Build Contract Review
Before your contract goes to the lender, we review it alongside the progress payment schedule and insurance requirements to make sure everything is in order for a smooth approval.
Construction Approval
Once your build contract is finalised, we convert your pre-approval into formal construction approval and manage the process through to confirmation with your builder.
Progress Payments
As your builder hits each milestone, we coordinate the release of funds from your lender in line with the signed building contract, managing any variations or issues along the way.
Loan Review at Completion
Once your build is finished, we review your rate and structure to make sure you are still on the best deal available. The market changes during a build and we make sure your loan keeps up.
Our Services
House and land package services built around your build.
We cover every stage of your house and land package so nothing gets missed.
Land Pre-Approval
We source pre-approval for your land purchase across 30+ lenders so you can secure your block and start builder conversations with confidence, knowing your finance is already in place.
Construction Pre-Approval
We get your construction loan pre-approved separately so both parts of your package are covered regardless of timing between land settlement and build commencement.
Build Contract Review
Before your contract goes to the lender, we review it alongside the progress payment schedule and insurance requirements to make sure everything is in order for a smooth approval.
Construction Approval
Once your build contract is finalised, we convert your pre-approval into formal construction approval and manage the process through to confirmation with your builder.
Progress Payments
As your builder hits each milestone, we coordinate the release of funds from your lender in line with the signed building contract, managing any variations or issues along the way.
Loan Review at Completion
Once your build is finished, we review your rate and structure to make sure you are still on the best deal available. The market changes during a build and we make sure your loan keeps up.
Our Solution
House and land finance is complex. We make it simple.
The challenges most buyers face and exactly how we fix them.
Without Elephant
Two contracts, two finance processes
Unsure what you can borrow
Build contract delaying approval
No idea how progress payments work
Caught out by variations mid-build
With Elephant Advisory
Land and construction managed as one
Separate pre-approvals, timing covered
We review before it hits the lender
Every payment coordinated, bank to builder
Honest guidance on buffers upfront
"At Elephant Advisory, we take the complexity out of house and land finance so you can focus on designing the home you want, knowing the funding is structured correctly behind it."
"At Elephant Advisory, we take the complexity out of house and land finance so you can focus on designing the home you want, knowing the funding is structured correctly behind it."
"At Elephant Advisory, we take the complexity out of house and land finance so you can focus on designing the home you want, knowing the funding is structured correctly behind it."
Our Peeps
Our Peeps
Our crew, is yours too.
House and land finance involves more moving parts than most buyers realise. We cut through the complexity, manage both sides of the process, and give you the clarity to move forward with confidence.
What Our Clients Say
Our clients’ words reflect our commitment to excellence.
Their platform transformed how we approach campaigns. The intuitive tools and seamless integrations saved us a lot of time.
Jacob Williams
Tech CEO
Their marketing approach brought in more foot traffic and online orders. The data-driven insights made all the difference.
Ethan Reynolds
Café Owner,
Their system improved our client engagement and lead conversions. The easy-to-use tools streamlined our entire sales process.
Nathan Carter
Fitness Founder,
Their system improved our client engagement and lead conversions. The easy-to-use tools streamlined our entire sales process
Daniel Foster
Real Estate CEO
They refined our brand’s digital presence and increased customer retention. The personalized strategies made a huge impact.
Mitchell Apparel
Fashion CEO
Their platform enhanced project coordination and design workflow. The advanced tools helped us meet deadlines stress-free.
Lucas Bennett
Architect
Their platform transformed how we approach campaigns. The intuitive tools and seamless integrations saved us a lot of time.
Jacob Williams
Tech CEO
Their marketing approach brought in more foot traffic and online orders. The data-driven insights made all the difference.
Ethan Reynolds
Café Owner,
Their system improved our client engagement and lead conversions. The easy-to-use tools streamlined our entire sales process.
Nathan Carter
Fitness Founder,
Their system improved our client engagement and lead conversions. The easy-to-use tools streamlined our entire sales process
Daniel Foster
Real Estate CEO
They refined our brand’s digital presence and increased customer retention. The personalized strategies made a huge impact.
Mitchell Apparel
Fashion CEO
Their platform enhanced project coordination and design workflow. The advanced tools helped us meet deadlines stress-free.
Lucas Bennett
Architect
FAQ
Let's clear a few things up.
No jargon, no runaround - just honest answers.
Do I need a building contract in place before I can settle on my land?
What happens if my build plans change after the contract is signed?
Are construction loans more expensive than standard home loans?
What are progress payments and how do they work?
Can I pay interest only during the construction phase?
How is a house and land package loan different from a standard home loan?
Do I need a building contract in place before I can settle on my land?
What happens if my build plans change after the contract is signed?
Are construction loans more expensive than standard home loans?
What are progress payments and how do they work?
Can I pay interest only during the construction phase?
How is a house and land package loan different from a standard home loan?
Do I need a building contract in place before I can settle on my land?
What happens if my build plans change after the contract is signed?
Are construction loans more expensive than standard home loans?
What are progress payments and how do they work?
Can I pay interest only during the construction phase?
How is a house and land package loan different from a standard home loan?
Phone
Address
Unit 16 105/111 Ricketts Rd
Mount Waverley VIC 3149
OFFICE HOURS
Mon to Fri: 8.30am - 5.00pm
By appointment only.
Phone
Address
Unit 16 105/111 Ricketts Rd
Mount Waverley VIC 3149
OFFICE HOURS
Mon to Fri: 8.30am - 5.00pm
By appointment only.
Phone
Address
Unit 16 105/111 Ricketts Rd
Mount Waverley VIC 3149
OFFICE HOURS
Mon to Fri: 8.30am - 5.00pm
By appointment only.