Mortgage Broking, Melbourne

Mortgage Broker for Bayside, Mornington Peninsula & South East Melbourne

At Willow & Reed Private Wealth, we compare from 70+ lenders to structure home loans, refinancing and commercial lending that helps established professionals and families across Melbourne’s Bayside, Mornington Peninsula and South East regions build long-term wealth and become debt-free sooner.

Who is Willow & Reed Private Wealth?

Willow & Reed Private Wealth is a mortgage broking firm founded by Durand Oliver, based in Hawthorn and serving established professionals and families across Bayside Melbourne, the Mornington Peninsula and South East Melbourne. We structure lending to help clients build long-term wealth and pay down debt sooner, arranging both residential and commercial lending, including home loans, refinancing, investment property loans, debt recycling, equity release, debt consolidation, SMSF lending and commercial property loans. As a Corporate Credit Representative (CCR 526737) of Broker ACL Pty Ltd (Australian Credit Licence 563763), we compare options across more than 70 lenders on behalf of every client.

Learn more about Willow & Reed Private Wealth and get to know our founder and Director, Durand, on our About Us page.

Navigating complex lending with confidence, clarity and calm

I’m Durand. More than two decades in financial services has taught me one thing: a mortgage is never just a mortgage, it’s the foundation for everything you’re building toward. That’s why the part of the job I still love most hasn’t changed, sitting down with a client, understanding what they actually want their money to do, and building a strategy around it.

Since founding Willow & Reed Private Wealth in 2020, I’ve focused on structuring lending for middle to high income earners who want their home loan working just as hard as they do. That might mean restructuring debt to pay it down faster, setting up an offset strategy that actually gets used, or fitting today’s loan into a bigger wealth plan. Every recommendation is backed by data and built for where you’re headed, not just where you are now.

What you won’t get from me is a sales pitch. I run every client relationship the way I’d want mine run: consultative, discreet, and built to last well beyond settlement day. Most of my clients stay with me for years, and that’s by design.

I’m here to make your mortgage decisions simple, strategic and stress-free.

Durand Oliver

Founder, Lending Specialist

Willow & Reed Private Wealth

Where I work

I work with clients across three regions of Melbourne, in person or remotely.

Bayside Melbourne

Brighton, Brighton East, Hampton, Sandringham, Black Rock, Beaumaris, Mentone

Mornington Peninsula

Mornington, Mount Eliza, Mount Martha, Red Hill, Sorrento, Portsea, Flinders, Balnarring

South East Melbourne

Glen Waverley, Mount Waverley, Wheelers Hill, Berwick, Officer, Clyde North

My services, tailored to your needs

Owner Occupied Home Loans

A home loan for the property you live in, structured to fit your income, timeline and long-term wealth plan, not just today’s purchase.

Refinancing Solutions

Switching your existing home loan to a better rate or structure. Your financial situation has evolved. Your mortgage should too.

Investment Property Loans

Lending structured for growth, not just approval. The right loan structure protects your serviceability for the next property, not only this one.

Debt Recycling Strategies

A strategy that converts non-deductible home loan debt into tax-deductible investment debt over time. A genuine tool for building wealth and long-term financial freedom, used carefully.

Equity Release

Accessing the equity you’ve built in your home without selling it, to fund a purchase, renovation or investment. Put your equity to work.

Debt Consolidation

Combining multiple debts into a single, better-structured facility so you can pay them down faster and free up cash flow for what matters.

SMSF Lending

Borrowing within a self-managed super fund to purchase property, via a compliant Limited Recourse Borrowing Arrangement. Strategy and long-term thinking, done properly.

Commercial Property Loans

Lending for commercial property purchases and business premises. Finance built for growth, strategy and long-term return.

Get your free borrowing power estimate

A rough indication in under a minute. Full assessment on request.

How I can help navigate your next move

Whether you’re building wealth, paying down debt sooner, or securing your next property, your goals are personal. So is the service I provide.

The Professional’s Guide to Structuring a Home Loan in Bayside, the Mornington Peninsula and South East Melbourne

A free, no-obligation guide covering loan structuring, refinancing timing, and how debt recycling works, written for professionals and families building wealth through property.

Access to over 70 lenders

I compare rates and policy across these lenders so you don’t have to.

Willow and Reed Private is proud to support Its Okay Not To Be Okay and their work to create change in mental health, grief and suicide prevention.

Google Reviews

Hear from my clients, their stories, their experiences, and why they chose me.

      
 5.0
 5.0
 Top Rated Service 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
 
 
 
 
 
   
 
 
      Posted on Google  
   HAV Stadt personal 
 9 days ago
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐÷ Professional. Knowledgeable. Communicative. Reliable. With only approximately two weeks before settlement, we contacted Durand after our previous loan broker had been mucking us around. Durand immediately picked up the ball and got things moving. From the very beginning, he made my wife feel at ease and kept us informed throughout the entire process. What could have been an extremely stressful and uncomfortable situation was handled professionally and calmly. Durand took the stress out of the whole process and worked hard to make sure everything stayed on track for settlement. We genuinely appreciate his help and professionalism and would highly recommend Durand to anyone looking for a knowledgeable, reliable and caring loan broker. Thank you, Durand, for going above and beyond! 👏 🙏
  
 
     Posted on Google  
   Doug Stewart 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Durand has been an outstanding professional, guiding us through every step of attaining our first home; breaking down each step along the way into very clear, concise and digestible information. Durand alleviated so much of our stress during this process and always took the time to answer and explain all of our questions, even at some ridiculous hours. His continued support through the whole transaction has been impeccable and will recommend him to others in the future.
  
 
     Posted on Google  
   Karen Smith 
 59 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Durand is a professional who makes the task of finance as easy as possible.
  
 
     Posted on Google  
   Nathan Barbour 
 65 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Durand helped with the transfer of my property after a separation. His expertise made the whole process easy and straightforward, which took the stress out of a difficult situation. He was so kind and thoughtful enough to follow up and even send a gift after my settlement. I’d highly recommend his services and will be using him in future!
  
 
     Posted on Google  
   Chris Smith 
 67 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Durand's a passionate professional who never hesitated to go out of his way to help you. Always approachable and happy to answer any questions you may have, no matter how big or small. He took the majority of the stress out of the whole process giving me peace of mind I was in good hands, making the right choice. I would not hesitate to recommend him to anyone!
  
 
     Posted on Google  
   Danielle Di Giovine 
 75 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of dealing with Durand who demonstrated strong expertise and was efficient, proactive and knowledgeable throughout the entire process. He made my experience smooth and ensured I was well informed every step of the way. Durand was always available to answer my questions, provided clear guidance and worked hard to secure the best outcome for me. I highly recommend him to anyone looking for a reliable and professional mortgage broker. Thank you again Durand!
  
 
     Posted on Google  
   Micah Pleasance 
 77 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Last week we had our work ute unexpectedly blow a head gasket in the middle of one of our busiest work months. Durand jumped onto our problem with haste and all of his attention. He was very quick at getting our finance for a new car sorted, also helped source exactly what we required for a new work ute. He's always there to take my phone call and offers all the right answers to your questions. Very professional, punctual and goes to battle for you on price and quality.  Highly recommend him to anyone looking for finance.
  
 
     Posted on Google  
   Vinu Kumar 
 374 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I’m very happy with the service and the results. Durand was very quick with responses and made the loan documentation process incredibly easy. Highly recommend for a seamless mortgage experience!
  
 
     Posted on Google  
   Temika Rae 
 379 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Durand made our refinancing so easy. He held our hand through everything and answered every question so quickly!
  
 
     Posted on Google  
   Lisa Cronin 
 395 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Durand is endlessly patient in explaining the complexities of obtaining a new mortgage and what that meant in terms of repayments, which was so helpful in feeling empowered whilst shopping for a new home. He worked hard to find the best rate possible and a product that would fit our needs. I would happily recommend him to anyone

Common questions

What does a mortgage broker do?

A mortgage broker compares home loan and commercial lending options across multiple banks and lenders on your behalf, then manages the application through to settlement. I work with over 70 lenders to structure lending for professionals and families across Bayside Melbourne, the Mornington Peninsula and South East Melbourne, at no direct cost to you in most cases.

Do you work with clients on the Mornington Peninsula and Bayside if your office is in Hawthorn?

Yes. I’m registered in Hawthorn but work with clients across Australia & Melbourne, more specifically Bayside, the Mornington Peninsula and South East Melbourne via phone, video call and in-person meetings arranged around your schedule. Most of the lending process can be completed remotely.

How much does it cost to use a mortgage broker?

I’m typically paid a commission by the lender once a loan settles, not by you. I’ll confirm in writing before any application whether a fee applies to your specific situation.

What is debt recycling and is it right for me?

Debt recycling gradually converts non-deductible home loan debt into tax-deductible investment debt, using the equity in your home to build an investment portfolio. It suits homeowners with stable income and a long-term wealth-building goal and should be discussed with both your broker and financial adviser before starting.

Can I use my SMSF to buy an investment property?

Yes, via a Limited Recourse Borrowing Arrangement. SMSF lending has stricter serviceability and structure requirements than standard investment loans, so specialist advice is essential before proceeding.

How long does mortgage pre-approval take?

Most lenders issue conditional pre-approval within two to five business days of a complete application, though this varies by lender and season. I prepare your application to reduce back-and-forth and speed this up.

Should I refinance or renegotiate with my current bank?

It depends whether your current lender can match what’s available elsewhere. I’ll benchmark your existing loan against the market first, so you only refinance if it genuinely improves your position.

Ready to make your next move?

Structure lending that builds wealth and gets you debt-free, sooner.