Residential Lending
Residential lending built for Melbourne's professionals and growing families
Whether you’re a young professional buying your first home, or an established family growing your portfolio, every recommendation is built around your income trajectory, your lifestyle and your long-term financial plan — with access to over 70 lenders to make sure your loan structure works as hard as you do.
Prefer to talk first? Call Durand direct on 0450 275 656
A strategic approach built around your career and your family
My name is Durand, and I work with middle to high income professionals and families who want more than a loan approval. From young professionals buying their first home, to established families upgrading, refinancing or building wealth through property, every recommendation is built around your income trajectory, your lifestyle and your long-term financial plan.
Seven ways we help you borrow with a strategy behind it
Residential lending isn’t one product — it’s a set of tools, and which ones apply to you depends on what you’re trying to achieve. Below are the residential services we work with clients on most, each with its own dedicated page covering how it works and who it suits.
Owner Occupied Home Loans
For young professionals securing a first home, or families moving into a home that suits your growing needs — structured with offset, redraw and split options matched to your income and goals.
Refinancing Solutions
As your income grows and your family’s needs change, your mortgage should keep pace. A proper loan review, not just a rate chase — restructuring for a better rate, flexibility, or access to equity.
Investment Property Loans
Purpose-built finance for professionals and families using property to build long-term wealth — interest-only versus principal and interest, gearing, and planning for what comes next.
Debt Recycling Strategies
A strategy suited to high income earners ready to turn their mortgage into a wealth-building tool — progressively converting non-deductible debt into tax-deductible investment debt.
Equity Release
Unlock the equity you’ve built to fund your next milestone — an investment, a renovation, or a financial buffer — without selling the home you love, and without unnecessary cross-collateralisation.
Debt Consolidation
Streamline your finances so you can focus on what matters — roll credit cards, personal loans and car finance into one well-structured facility at a lower rate.
Building & Construction Loans
Building from the ground up or undertaking a major renovation needs its own loan structure — a land loan followed by a construction facility released in stages, interest-only until the build is complete.
Owner Occupied Home Loans
For young professionals securing a first home, or families moving into a home that suits your growing needs — structured with offset, redraw and split options matched to your income and goals.
Refinancing Solutions
As your income grows and your family’s needs change, your mortgage should keep pace. A proper loan review, not just a rate chase — restructuring for a better rate, flexibility, or access to equity.
Investment Property Loans
Purpose-built finance for professionals and families using property to build long-term wealth — interest-only versus principal and interest, gearing, and planning for what comes next.
Debt Recycling Strategies
A strategy suited to high income earners ready to turn their mortgage into a wealth-building tool — progressively converting non-deductible debt into tax-deductible investment debt.
Equity Release
Unlock the equity you’ve built to fund your next milestone — an investment, a renovation, or a financial buffer — without selling the home you love, and without unnecessary cross-collateralisation.
Debt Consolidation
Streamline your finances so you can focus on what matters — roll credit cards, personal loans and car finance into one well-structured facility at a lower rate.
Building & Construction Loans
Building from the ground up or undertaking a major renovation needs its own loan structure — a land loan followed by a construction facility released in stages, interest-only until the build is complete.
How I can help navigate your next move
Your career and your family goals are personal. So is the service I provide.
Why clients work with me
Every residential lending strategy on this page is delivered by the same person, start to finish — not handed between call centre staff.
“Durand is a professional who makes the task of finance as easy as possible.”
Karen, verified Google review
23+
Years in financial services
70+
Lenders on panel
5★
Client feedback
1:1
End-to-end service, no handoffs
Residential Lending FAQs
Which residential loan type is right for me?
It depends on what you’re trying to achieve. Buying or upgrading your home calls for an owner-occupied loan, growing a portfolio calls for investment lending, and unlocking value in a home you already own might mean equity release or refinancing. Most clients start with a borrowing power assessment so we can map the right structure to your goals before narrowing in on a specific loan type.
Who does Durand work with?
Middle to high income professionals and established families — from young professionals buying their first home, to growing families upgrading or refinancing, to experienced investors building long-term wealth through property.
Can I combine more than one of these strategies at once?
Often, yes. It’s common to refinance and set up a debt recycling structure in the same review, or release equity from your home specifically to fund an investment property purchase. We look at your lending as one connected strategy rather than a series of separate transactions.
Does it cost anything to get advice on residential lending?
No. Mortgage broking services are typically provided at no direct cost to you, as Willow & Reed Private is paid a commission by the lender once your loan settles. A full breakdown is available on request.
How many lenders does Willow & Reed Private Wealth have access to?
Access to over 70 lenders, so your residential lending strategy is compared across a wide panel rather than a single bank.
How quickly can I get started?
The first step is usually a short conversation to understand your goals and run a borrowing power assessment, which can typically happen within a few days of getting in touch. From there, timing depends on which strategy fits and how quickly you need to move.
Ready to Make Your Next Move?
Tell us what you’re working toward and we’ll point you to the right lending strategy — or the right combination of strategies.
Prefer to talk now? Call 0450 275 656 or email durand@willowandreedprivate.com.au