about us


Will Bell

I’ve been in finance for 15 years now and feel like I can finally call my self experienced. I started out working for Westpac and after a few years I figured out that a life of slaving away trying to sell products to customers that didn’t want products sold to them was not going to get me much satisfaction. 

It’s now been over 10 years since I started my mortgage brokerage and I have not looked back. What I love about it is that I can sit down and get to know a client and truly advise on what I think is best for them. 

I know my advice is solid because it has stood the test of time, I’ve helped my clients through the different stages of their lives and enjoy watching them grow with the peace of mind that they have someone they can trust on their side

Mortgage Broker Frankston

Types Of Home Loans We Provide For

At Will Bell Mortgage Broker, we specialize in offering expert mortgage brokerage services tailored to your unique needs. Our mission is to navigate the complex landscape of home loans, providing clear, unbiased advice on the best options available for you. Explore the types of home loans we can help you with:

Standard Variable Rate Mortgage
A flexible option where the interest rate moves with the market. Ideal for those seeking loan adaptability with features like extra repayments, redraw facilities, and offset accounts, we guide you through the benefits to find if it’s the right choice for you.

Fixed-Rate Mortgage
Seek certainty with a fixed interest rate for a predetermined period, typically ranging from 1 to 5 years. We help you lock in your repayments, providing peace of mind and stability in your financial planning.

Split Rate Mortgage
Combine the certainty of fixed rates with the flexibility of variable rates. Our expertise lies in tailoring a split rate mortgage that aligns with your financial goals, offering a balanced approach to interest rate fluctuations.

Interest-Only Mortgage
An attractive option for property investors, this mortgage allows you to pay only the interest for a specific period. We assist in evaluating if this strategy aligns with your investment objectives and cash flow management.

Low Doc Mortgage
Designed for self-employed individuals lacking traditional proof of income, this mortgage option requires a larger deposit. Our role is to facilitate the application process, ensuring you present a strong case to lenders.

Line of Credit/Equity Loan
Access the equity in your property with a flexible credit line. Similar to a credit card, this option offers financial freedom for investments or projects. Let us guide you through leveraging your home’s equity responsibly.

Construction Loan
For those building their dream home, a construction loan provides funds in stages as the build progresses. Our expertise ensures a smooth financial journey from ground-breaking to completion.

Bridging Loan
A short-term solution when transitioning between properties. We navigate the complexities of bridging loans, ensuring you smoothly cover the gap between selling one property and purchasing another.

Low Deposit or High LVR Loan
Limited savings shouldn’t limit your homeownership dreams. We explore low deposit or high loan-to-value ratio options, including strategies to manage or avoid Lenders Mortgage Insurance (LMI).


Property Investing

Let us help you get the most suitable property investment loan to provide you with the immediate capital you need.

Check Your Loans

I can take a look at your current loans and make sure you have the best solution.

First Home Buyer

Get the right loan from the start and save you tens of thousands of dollars.

Consolidate Debt

Don’t let your debts take control of you. I can help you get them under control.


Refinancing is the perfect strategy for people looking to minimise their repayments and save on interest rates.

Investment loans

Will Bell Mortgage Broker assists the residents of Frankston, Cranbourne, Mornington, Berwick and beyond to receive the best outcome for their investment loans.

Will Bell's Professional Journey in Mortgage Brokering

Westpac Bank Experience:

– Served at Westpac for approximately 4.5 years.
– Honed skills in personal organization, ensuring a professional approach to daily tasks.
– Gained expertise not only in home loans but also in diverse financial areas like bank accounts, credit cards, and general insurance.

Journey with Will Bell Mortgage Broker:
– Ventured independently as a mortgage broker after acquiring a Certificate IV in Mortgage Broking.
– Proudly became a member of the Mortgage & Finance Association of Australia (MFAA) in 2011 and continues to maintain this affiliation.
– After a rigorous two-year mentorship, emerged as a fully-fledged mortgage broker, partnering with the esteemed aggregator, AFG.

Business Evolution:
– Initially, the business was laser-focused on residential home loans to deliver unparalleled service to clients.
– Predominantly catered to young families purchasing their first or second homes.
– Recognizing the need for autonomy and enhanced client service, the company procured its own  Australian Credit License in 2016. For those keen on verification, our license number is 482558.

Looking Ahead – 2023 and Beyond:
– We’re on the cusp of broadening our horizons to better assist self-employed clientele.
– Expansion plans include introducing asset finance and commercial loans to our suite of offerings.


Will Bell Mortgage Broker - Customer Support Manager

John Gonzales

Loan Processor Extraordinaire and Customer Support Manager

John is the cogs in the engine of Will Bell Mortgage Broker –  without him, home loans would be a lot harder to get approved and settled.

He is a finance professional that has done the rounds.  He started his career at Westpac and then moved on to loan processing at Mortgage Choice.  John started with us in 2019 part time and quickly proved himself as we put him on full time in March 2020.

On the outside that looked like a hard choice as Melbourne was descending into the first of many Covid lockdowns, but to us it was the easiest decision to make.

John’s highly committed to provide the best customer service for our clients, making him the right man for the job.

What does a Mortgage Broker do?

Understanding the pivotal role of a mortgage broker can help illuminate the path to your dream home. Here’s what sets a dedicated mortgage broker apart:

about us

Personalized Guidance for Your Journey
A proficient mortgage broker invests time to deeply understand your aspirations and financial situation. We aim to craft a tailored strategy that aligns with your immediate needs and future goals, ensuring your mortgage supports both.

Unbiased Recommendations
Our priority is to identify the best possible solution for your circumstances, focusing on long-term value rather than just the lowest rate. We believe in advising you on options that offer you the most benefit, taking into account all factors, not just the interest rate.

Questioning the ‘Cheapest Loan’ Myth
Be wary of promises centered on securing the ‘cheapest’ loan. A mortgage broker’s role is to navigate the complexities of loan products to find one that fits your unique situation, which might not always be the one with the lowest headline rate.

Seamless Lender Liaison
We act as your advocate, bridging the gap between you and lenders. By handling the communication and negotiations with financial institutions, we remove the stress and time commitment of dealing directly with banks, allowing you to focus on what matters most.

Accessibility and Commitment
Our dedication to your home buying success extends beyond traditional office hours. Recognizing that questions and needs can arise at any time, we offer our clients the flexibility to reach out after hours and on weekends, ensuring you always have the support you need when you need it.

In essence, a mortgage broker is your personal guide through the often complex and stressful process of securing a home loan, providing expert advice, and bespoke service to make your homeownership dreams a reality.