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We help you achieve your property dreams so you can focus on what you love.

A family-run mortgage broker for bayside Melbourne and beyond.

Are You Ready to Buy a Home This Year?

Contact us here to arrange a free, no obligation consultation.

Willow and Oak make it easy!

WHY USE WILLOW AND OAK?

We aim to inspire, educate and celebrate, at all the stages of your home buying cycle

SAVE TIME & MONEY

CUSTOMISED SOLUTIONS

PREMIUM SERVICE

BEST HOME LOAN RATES

ONE BROKER FOREVER

SUCCESS IN COMPLEX DEALS

BUYING A HOME CAN BE STRESS FREE

Are you a professional mum or dad who’s ready to buy your first or second home, invest in a property or refinance and aren’t sure who you go to to sort out your lending?

At Willow and Oak, leading bayside mortgage broker, we know what’s important to our residential buyers.
They are usually looking for three things.

Someone with the experience to successfully enable your finance.

Someone who shares your values of integrity, honesty and trust.

Someone who’ll bat for you now and over the long term.

We bring all of this – and more – to the table.

WHAT WE DO

At Willow and Oak we love working with professional families and singles who are excited about the home buying journey. We don’t believe in a one-size-fits-all approach, so our mission is to uncover the best funding solution for your individual circumstances.

HOME BUYERS

From a premium range of Australian home loans, we’ll secure the right lender and most competitive interest rates for you.

PROPERTY INVESTORS

Got surplus funds for investing? We’ll find you a unique solution for your finance needs with minimal effort required from you.

SELF-EMPLOYED

If you own your own business, applying for a home loan can have its own set of complexities.

REFINANCING

Getting the right loan structure can potentially save you thousands of dollars. Let us guide you through the endless bank home loan options with ease.

SELF-MANAGED SUPER

Self-managed superannuation funds are becoming increasingly popular because they offer members more options or increase their exposure to the property market.

BUILD AND RENOVATE

Whether you’re going for a new build or looking to do a multiple dwelling project, we can find you the best options to do so.

GREAT CLIENT EXPERIENCES

Willow-and-Oak-Rebecca-Clifford-Mortgage-Broker-Bayside
Rebecca Clifford
Chartered Accountant Manager

“We were living in a house that was bursting at the seams and we wanted to purchase a family home for our expanding family. We had some hesitation about going to a broker …. ”
READ FULL EXPERIENCE 

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DENNY KARAMOSHOS
Sales Executive

“Prior to Willow & Oak, we were using an interstate bank for our home loan and banking facilities. However, we believed that we could get a better rate elsewhere …. ”
READ FULL EXPERIENCE 

BANKS WE WORK WITH

OUR MISSION

To enable finance for our clients so they can focus
on their dreams and goals.

OUR BLOG

Get knowledge-boosting
tips and news from our blog, straight from Willow and Oak headquarters in Gardenvale in
Melbourne’s bayside area.

Willow and Oak mortgage broker bayside based, specialises in navigating the complex homebuyer challenge of  finding a lending solution perfect for them. Willow and Oak take away the worry and confusion, fulfilling home buying dreams.