Willow and Oak is grounded in the homespun values of honesty, integrity and transparency. Since 2010, we’ve worked with professional clients from bayside Melbourne and beyond to make the process of securing a home loan as seamless as possible.




Adam is no ordinary mortgage broker. With more than 17 years’ experience as a business analyst and development manager in the banking and finance sectors, he offers creative insight, big-picture strategy and a trademark ‘nothing-is-too-hard’ approach. His talents in complex borrowing situations enables him to get the best home loans for home buyers no matter their situation. He holds a Master of Business Administration (MBA) from Melbourne Business School, a Bachelor of Arts from the University of Canberra and is a member of the Mortgage Finance Association of Australia (MFAA).




The multi-talented Sally Smyth wears many hats. From marketing, finance, training, HR and quality control at Willow and Oak to CEO of the Smyth family (her and Adam have four active kids), Sally keeps everything ticking with ease. She is a gifted organiser and natural advocate for others. What motivates her is the opportunity ‘to see clients achieve stability and home ownership, prosper and have the ability to influence good change in the world’. A primary school teacher by trade, Sally also holds a degree in business and marketing from the University of Canberra.



Good support is essential to the smooth running of any business. At Willow and Oak, Leigh provides that super glue. From organising the client loans process, and interacting with clients and banks to make things as smooth as possible from start to finish, no task is too big or small for her. Leigh’s biggest buzz is seeing a loan application come through for yet another delighted client. To her, home ownership represents a connection with community, independence and security – with endless rewards. She lives in her bayside home with her partner and brood of four where there’s never a dull moment.


Willow and Oak was founded by husband and wife team Adam and Sally Smyth in 2010. As a leading mortgage broker, 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. Inspired by the stability of the oak and adaptability of the willow, our goal is to uncover the best funding solution for your individual circumstances. Through sheer determination, we often find lending solutions that may not be immediately evident to others. Success to us looks something like this: helping our clients step out of the every day to focus on their future prosperity…growing with you as your family grows over the long term…going the extra mile, always. Ultimately, the quicker you can achieve your financial outcomes, the quicker you can go on to help others and do bigger and better things. We deal with the banks to secure the best home loans so you don’t have to.


  • 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 to obtain finance as we had used one when purchasing our first home and had not been thrilled by the service. However, as Willow and Oak had come highly recommended, I decided it was worth making contact. Working with them has been a fabulous experience. During the last six years we have started a business, leased a vehicle, purchased a new property, and obtained a construction loan to build a new home on our property – and Willow and Oak has always provided exceptional service. We owe a lot of our financial success to Willow and Oak being able to provide us with finance solutions when we needed them."
  • 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, and wanted an institution with more flexible banking options. We switched to Willow & Oak and have been with them for many years now. At every step, the process has been seamless and easy as they take responsibility for the things that we have little experience with - and Adam has tremendous knowledge of the industry. We have peace of mind that we are ALWAYS getting the best rate (or close to it). Thank you Willow & Oak!"

Willow and Oak is a boutique mortgage broker specialising in customised residential lending solutions to fulfil home buying dreams.