Olive Road Financial
Experienced mortgage brokers with access to a broad panel of lenders.
Based in Sydney and Brisbane, we arrange home, investment and commercial lending, delivering tailored solutions to each client's circumstances, objectives and needs.
Senior people. Direct access.
Olive Road Financial is a boutique mortgage brokerage built around people, relationships and direct access to experienced guidance. From the first conversation through to settlement, you deal with the same broker, someone who understands your circumstances, knows what matters to you and takes ownership of your lending from start to finish.
Every loan is structured by a senior broker or director, with access to more than 70 lenders and direct relationships across private banking and specialist lending teams.
We put people before products and structure before rates, bringing the right experience, relationships and lenders together to create a solution that works for you today and well into the future.
Experience
Olive Road Financial's directors have more than 70 years of combined lending experience.
Lender panel
Olive Road Financial is accredited with more than 70 lenders on its panel.
Licence
Olive Road Financial operates under Australian Credit Licence 389328.
Locations
Olive Road Financial serves clients from Sydney and Brisbane.
Accredited with more than 70 lenders
Why borrowers use a broker instead of going direct to the bank
A bank can only offer its own product menu. Olive Road Financial compares more than 70 lenders from its Sydney and Brisbane offices, negotiates pricing with lender credit teams directly, and is paid by the lender on settlement, not by the borrower.
One application, the whole market
Your bank assesses you against one credit policy. Olive Road Financial matches your file to the lender whose policy actually fits it, including specialist and non-bank lenders, and private banking teams outside the retail market.
Structure first, rate second
The borrowing structure (loan split, offset, security, repayment type) is decided before any lender sees your file, because structure is what costs or saves money over a decade.
Pricing negotiated, not listed
Advertised rates are a starting point. The firm negotiates with lender credit teams, and on large or complex files the gap between the best and worst lender on the same deal is significant.
A declined application isn't the end
A bank's "no" is one credit policy's answer. Lenders treat non-standard income, small apartments, trusts and company structures very differently.
Senior people on every file
Three directors with more than 70 years of combined lending experience set the structuring standard, and a senior broker holds your file from first conversation to settlement.
We think beyond the next loan
The right financing decision should give you more options, not fewer. We consider what you're likely to do next, so your lending keeps pace as your circumstances, assets and plans change.
Our services
Olive Road Financial: Expert Mortgage Brokers Supporting First Home Buyers Through to Private Clients
Home and investment lending
Home loans, investment loans, refinancing and construction finance, structured before going to market.
Business and commercial finance
Commercial property, business lending and working capital.
Health professional finance
Lending built around your health career — LMI waivers, higher LVRs and income assessed beyond your payslip.
SMSF and asset finance
SMSF loans and asset and equipment finance that keeps property security free for other purposes.
Private Clients, A Personalised Service
Direct access to Australia's leading private banks
Olive Road Financial provides clients with access to some of Australia's leading private banks and specialist lending divisions.
Read MoreThe Olive Road Financial Loan Process
Discovery
We learn your circumstances, objectives and needs.
Lender Match
We compare options across our lender panel, including private banks and specialist divisions.
Application
We prepare and lodge your application and manage it through to approval.
Settlement and Beyond
We guide you to settlement and review your loan as your needs change.
Experience Behind Every Decision
Tony Ruellan, Jae Choi and Grant Whinnett, Olive Road Financial
Founding Partners
Olive Road Financial was founded in 2022 by three experienced finance professionals with a shared belief that great financial guidance is built on trust and long-term relationships.
With more than 70 years of combined banking and finance experience, our founders bring deep industry knowledge, experience and perspective to every client relationship.
Olive Road Financial: mortgage broker in Sydney & Brisbane
Olive Road Financial is a boutique mortgage brokerage with offices in Sydney and Brisbane, providing tailored lending solutions to clients across Australia. With access to more than 70 lenders, the firm arranges home loans, investment lending, commercial finance and specialist lending across a broad range of circumstances.
Operating under Australian Credit Licence 389328, Olive Road Financial takes a considered and highly personalised approach to lending. Clients work directly with experienced brokers, with every borrowing strategy carefully structured before a lender is approached. This ensures each solution is driven by the client's circumstances, objectives and longer-term strategy, rather than simply by rate.
Olive Road Financial's directors bring more than 70 years of combined banking, finance and lending experience and set the standard for every transaction the firm undertakes.
A key advantage of the firm is the depth of institutional experience within its leadership, with each principal having more than 20 years of experience across business banking, private banking and financial services. This background provides a sophisticated understanding of lender credit policies, complex borrowing structures and the way banks assess clients beyond the traditional retail lending environment.
The firm works across a diverse client base, including professionals, families, business owners, retirees and high-net-worth clients. Whether the requirement is relatively straightforward or involves complex income, or sophisticated ownership structures, Olive Road Financial brings the same disciplined and considered approach to every engagement.
Across every scenario, Olive Road Financial's focus is on delivering tailored lending strategies aligned with each client's immediate requirements and longer-term financial objectives.
Insights
Lending, rates and policy
18% of Australians Admit Using AI on Home Loan Documents: Is AI Creating a New Lending Risk?
A new survey shows nearly one in five Australians have used AI to create or alter home loan paperwork. Here is where helpful AI ends and fraud begins, and how to use it safely.
Home Loan Complaints Jump 21%: Are Australian Borrowers Getting the Support They Need?
AFCA's latest Annual Review shows record complaints, more hardship disputes and lenders failing to respond to requests for help. Here is what borrowers can do.
Buying Property Through a Company or Trust: How Does It Affect Your Finance?
How lenders assess company and trust borrowers, what deposit and guarantees to expect, and the tax changes to plan around in 2027 and 2028.
Commercial Property Finance: Are Banks Becoming More Selective About What They Will Fund?
Bank lending to commercial property is growing, but approval depends more than ever on the asset, the tenant and the numbers. Here is what lenders are looking for heading into 2027.
18% of Australians Admit Using AI on Home Loan Documents: Is AI Creating a New Lending Risk?
A new survey shows nearly one in five Australians have used AI to create or alter home loan paperwork. Here is where helpful AI ends and fraud begins, and how to use it safely.
Home Loan Complaints Jump 21%: Are Australian Borrowers Getting the Support They Need?
AFCA's latest Annual Review shows record complaints, more hardship disputes and lenders failing to respond to requests for help. Here is what borrowers can do.
Buying Property Through a Company or Trust: How Does It Affect Your Finance?
How lenders assess company and trust borrowers, what deposit and guarantees to expect, and the tax changes to plan around in 2027 and 2028.
Commercial Property Finance: Are Banks Becoming More Selective About What They Will Fund?
Bank lending to commercial property is growing, but approval depends more than ever on the asset, the tenant and the numbers. Here is what lenders are looking for heading into 2027.
Questions and answers
What borrowers ask Olive Road Financial
Olive Road Financial is a boutique finance brokerage specialising in tailored lending solutions for home, investment and commercial property. With access to 70+ leading lenders and deep private banking relationships, we structure loans that align with your goals, today and into the future.
Client reviews
Trusted by clients.
Proven by results.
We are proud to be the trusted finance partner for families, professionals and businesses across Australia.
“We honestly couldn't be happier with our ongoing experience with Olive Road Financial. The team were incredibly helpful, approachable and always available to answer our questions.…” Read more
Emma Wendland
Verified Client
“Fantastic experience with Olive Road Financial! The whole refinancing process was incredibly smooth and transparent from start to finish. Tony and Chris went above and beyond to find the best deal.…” Read more
Amir Akhoundpour
Verified Client
“Solid experiences over several years dealing with Jae Choi and William Kim. These guys are responsive, proactive and knowledgeable. Much better than dealing with your typical financial institution.…” Read more
Rodney E
Verified Client
“When my wife and I were looking at options to refinance, Grant and his team made the whole process very smooth and easy to understand. Their ongoing support has also been great.…” Read more
Christian Turner
Verified Client
“I had the pleasure of working with Grant Whinnett and have been really impressed with his professionalism, communication and genuine commitment to his clients.…” Read more
Jessica Doig
Verified Client
“The team at Olive Road have been exceptional. The quality of their service is second to none, from their clear communication to providing personalised guidance and solutions.…” Read more
Aarshia Safa
Verified Client
Talk to a Sydney or Brisbane mortgage broker
Grant Whinnett
Director