Mortgage broking, Melbourne
Mortgage broker for Bayside, Mornington Peninsula & South East Melbourne
I’m Durand. I compare 70+ lenders and set up your lending so it keeps working for you long after settlement. Most of my clients stay with me for years.
- Access to 70+ lenders
- 23+ years in financial services
- 5.0★ Google reviews from my clients
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Lending built around where you’re headed
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.
My job is to make your lending decisions clear, and to make sure each one moves you closer to what you’re building.
Durand Oliver
Founder, Director & Lending Strategist
Willow & Reed Private Wealth
Lending I can help with
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.How working with me works
Whether you’re building wealth, paying down debt sooner or securing your next property, here’s what to expect from the first chat to settlement.
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
Access to over 70 lenders
I compare rates and policy across these lenders so you don’t have to.
Google reviews
Hear from my clients, their stories, their experiences, and why they chose me.
Who is Willow & Reed Private Wealth?
Willow & Reed Private Wealth is a mortgage broking firm based in Hawthorn, founded by me, Durand Oliver, in 2020. I help professionals and families across Bayside, the Mornington Peninsula and South East Melbourne borrow well and build long-term wealth. I arrange home loans, refinancing, investment, SMSF and commercial lending, comparing more than 70 lenders to find the right fit for where you’re headed. Willow & Reed Private Wealth is a Corporate Credit Representative (CCR 526737) of Broker ACL Pty Ltd (ACL 563763).
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 Melbourne and Australia, particularly 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.
Willow & Reed Private Wealth is proud to support Its Okay Not To Be Okay and their work to create change in mental health, grief and suicide prevention.
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.