Business Details
Trusted Mortgage Brokers in Castle Hill, NSW
At Clearstone Lending, we pride ourselves on delivering a highly personal service and expert advice tailored to your unique financial needs. Our experienced team maintains long-term relationships with a wide range of banks and financial institutions, ensuring we provide the flexibility and choice required to find the right lending solution for your circumstances. We specialise in guiding first-home buyers, refinancing clients, and investors through the complexities of the mortgage market, with a focus on debt structuring and wealth-building strategies. Our brokers are available to meet you at our Castle Hill offices or a location convenient to you, and we do not charge clients for our services as we are paid by lenders upon settlement.With a holistic approach to lending, we support self-employed individuals and small business owners who may struggle with traditional financing methods. Our five-step process ensures we understand your goals, analyse your circumstances, build tailored strategies, manage your loan application end-to-end, and provide ongoing support to optimise your financial position. We differentiate ourselves by scanning the entire market for solutions, managing transactions seamlessly, and developing innovative loan structures. Our mission is to help clients achieve their property and financial goals through dedicated service and education.
Services
Home Loans
Investment Property Loans
Refinancing
Debt Consolidation
Business Loans
Commercial Loans
SMSF Loans
Car Finance
Debt Recycling
Financial Planning
Highlights and features
- We offer a holistic approach to lending, considering your entire financial landscape.
- Our team has extensive relationships with major lenders and financial institutions.
- We provide ongoing support and loan reviews to ensure optimal financial outcomes.
- We specialise in complex cases, including self-employed applicants and debt recycling.
- Our services are free to clients, as we are paid by lenders upon settlement.
What people say
Thorough professional
Personalised services
Second to none expertise
No last-minute surprises
Helped reduce payments
Services
Home Loans
We specialise in home loans for first-time buyers, offering end-to-end guidance through the application process. Our team leverages government schemes and market insights to secure competitive rates. By aligning loan structures with your financial goals, we ensure affordability and long-term success in property ownership.
Debt Recycling
Our debt recycling service transforms non-deductible debt into tax-deductible investments, accelerating wealth creation. By restructuring your mortgage and investment loans, we help clients reduce taxable income while building a diversified property portfolio tailored to their risk profile and financial objectives.
Investment Property Loans
We provide tailored financing solutions for investors expanding their property portfolios. Our expertise includes leveraging equity, optimising loan structures, and minimising tax liabilities. Clients benefit from strategic advice on market trends, cash flow management, and long-term wealth growth through property investments.
Refinancing
Our refinancing service identifies opportunities to reduce interest rates, shorten loan terms, or access equity. We analyse existing loans, compare market options, and negotiate with lenders to secure better terms. Clients achieve significant savings while aligning their mortgages with evolving financial goals.
SMSF Loans
We facilitate SMSF loans for clients seeking property investments within their self-managed super funds. Our process ensures compliance with regulatory requirements while optimising financing structures. Clients gain access to competitive rates and tailored solutions for building retirement wealth through property.
People
Justin McIlveen
Founder & Director
Justin McIlveen founded Clearstone Lending after 10+ years in corporate finance roles. He specialises in tailored lending solutions, focusing on client relationships built on trust and transparency. His expertise spans residential and commercial property financing, debt structuring, and wealth creation strategies.
Questions
Can I get a home loan with bad credit?
Yes, we specialise in helping clients with adverse credit histories by exploring alternative lending options and tailored solutions.
Do you charge fees for your services?
No, our services are free to clients as we receive commissions from lenders upon successful loan settlements.
Can you help self-employed applicants?
Yes, we have expertise in assessing non-traditional income structures and securing financing for self-employed individuals.
Do you offer refinancing options?
Yes, we review existing loans to identify opportunities for lower rates, reduced terms, or equity access.
Are your services available outside Sydney?
Yes, we assist clients nationwide through virtual consultations and remote loan processing capabilities.
What is debt recycling?
Debt recycling transforms non-deductible home loans into tax-deductible investment loans, accelerating wealth creation while reducing taxable income.
