Senior-lawyer conversation
Talk to a senior lawyer about how you lend, the facilities you write and what a useful legal partner looks like.
A banking and finance partnership. Sydney and Brisbane
Your lender-side lawyers.
A banking and finance partnership for private credit lenders, funds and banks.
Documents that match the credit decision. Matters you can see.
- Private credit
- Property lending
- Funds
- Banks
Book an initial call with a senior lawyer
A useful answer. Not just a legal one.
We are a commercial practice first. When a lending transaction gets complicated, we look for the practical way through, not a list of theoretical risks.
We turn the agreed term sheet into documents that reflect the credit decision, and we keep you informed without the update chase.
01Senior-led and commercial
02Documents that match the credit decision
03Fixed fees, quoted upfront
04Matters you can see
Good work begins before the first matter.
A coffee, on your terms
We come to you and take the time to understand your credit process and your team.
A clear first matter
For the first matter we quote a fixed fee upfront so everyone knows where they stand before work begins.
A relationship that grows
Over time we aim to be your first call, including when you need documents quickly.
Clear expectations. At the outset.
We agree scope and quote a fixed fee upfront.
1business day
Simple loan documents
Simple loan and ancillary documents, from complete instructions, ready for your review.
Fixed fee
Scoped before work starts
Scoped and quoted before work starts.
Liveview
Matters you can see
Conditions, key dates and settlement progress in one place.
Turnaround runs from complete instructions and applies to simple loans. Complex, bespoke or multi-party facilities are scoped individually. A quick turnaround does not mean a lighter review.
POWERED BY ATTO
See what you need to see.
Powered by Atto, our platform shows lenders where each matter stands, without a call to us.
01 · PORTFOLIO VIEW
A portfolio view for lenders.
Secure, read-only views across your matters: stage, outstanding conditions and key dates.
LENDER PORTFOLIO
Harbourline Finance
12Active matters
7Settlements duenext 30 days
41 / 63Conditions satisfied
2Drawdown deadlines
MATTERS BY STAGE
InstructedDocumentsConditionsSettlement readySettled
| Matter | Borrower | Stage | Conditions | Settlement date |
|---|---|---|---|---|
| BL-2417 | Kestrel Bay Holdings Pty Ltd | DocumentsConditions | 7 of 9 | Fri 16 |
| BL-2409 | Mallee Grove Pty Ltd | Documents | 5 of 8 | Thu 15 |
| BL-2398 | Banksia Point Trust | Settlement ready | 9 of 9 | Wed 14 |
| BL-2381 | Oakline Developments Pty Ltd | Instructed | 2 of 7 | Tue 13 |
| BL-2366 | Corella Ridge Pty Ltd | Documents | 4 of 8 | Mon 12 |
02 · CONDITIONS
A status and an owner for every condition.
Pending, satisfied, unsatisfied, waived or not applicable, with who is responsible and a review note.
BL-2417 · KESTREL BAY HOLDINGS PTY LTD
Conditions precedent
- Letter of offerLender
- Certificate of incorporationBorrower
- Title documentsBaystone
- Valuation reportBorrower
- Insurance certificateBorrower
- Trust deedBaystone
CONDITION DETAIL
Valuation report
Responsible Borrower
Valuation received and reviewed against the lender's requirements.Reviewed · Wed 14
03 · SETTLEMENT
Settlement on the record.
We settle through PEXA. The PEXA workspace steps are tracked on the matter alongside its conditions and key dates.
HARBOURLINE FINANCE
Key dates this week
Mon12
SettlementKestrel Bay
Tue13
Approval expiryMallee Grove
Wed14
Drawdown deadlineBanksia Point
Thu15
SettlementOakline
Fri16
SettlementCorella Ridge
7Settlements duenext 30 days
2Drawdown deadlinesnext 30 days
3Approval expiriesnext 30 days
BL-2398 · BANKSIA POINT TRUST
Settlement progress
Documents and set up
6/6- Instructions
- Drafted
- Review
- Signing
- Identity verified
- Documents received
Settlement readiness
4/4- Conditions
- Booked
- Certified
- Approved
Settlement
5/5- Workspace created
- Parties invited
- Figures verified
- Funds cleared
- Settled
Every stage change is logged to the matter.
04 · CONTROLLED DOCUMENTS
Loan and security documents are generated from mapped firm templates and reviewed by our lawyers before release.
Security and access
Atto, the platform behind our matter portal, passed its ISO/IEC 27001:2022 Stage 1 audit on 21 October 2026, with certification in progress. Sign-in is by one-time passcode to approved email addresses, access is role-based, and every upload, view and download is logged. Matter views are shared with lenders at our discretion and within our professional obligations.
powered by Atto
05 · YOUR OWN VIEW
Your own view, signed in by one-time passcode.
Matter views are shared with lenders at our discretion and within our professional obligations.
HARBOURLINE FINANCE
Your matter portal
l••••••@harbourline.example
Sent to an approved email address
MATTER PORTAL
Recent activity, last 7 days
5Conditions satisfied
2Conditions added
8Documents added
Matters and fields shown are chosen by your Baystone lawyer.
Our technology supports the process. Our lawyers provide the judgement.
BANKING & FINANCE
Ways we can help you.
For lenders and funds
- 01
Facility and loan agreements
- 02
Mortgages and other security
- 03
General security deeds and PPSR registration
- 04
Guarantees and indemnities
- 05
Conditions precedent and drawdown
- 06
Variations, extensions and waivers
- 07
Priority and intercreditor arrangements
- 08
Enforcement and recovery
- 09
Fund and investor documents
Alongside the facility
- 01
Unfair contract terms health check
- 02
Facility and loan agreement refresh
- 03
Security and enforcement readiness review
- 04
Independent legal advice for guarantors and borrowers
- 05
Settlement, including PEXA workspaces
- 06
Portfolio and key date reporting
Senior hands. Direct conversations.
Partner, Head of Banking & Finance
Phil Hustler
Phil Hustler is a Partner and Head of Banking & Finance at Baystone Legal, bringing extensive experience in mortgage and loan securities law. With a career spanning major Australian banks and specialist financial institutions, Phil has developed deep expertise in advising lenders across the full spectrum of lending transactions.
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Partner
Victor Asoyo
Victor is a Partner at Baystone Legal. He acts for a variety of private lenders, traditional banking and ASX 100 listed companies and provides sound advice across a broad range of financial transactions including property development, construction, renewable energy assets and pharmaceutical.
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Special Counsel
Pauline Tay
A highly experienced Banking and Finance Special Counsel with extensive expertise advising on complex financing transactions across corporate, acquisition, property, and project finance. She acts for major banks, financial institutions, and corporate borrowers, providing strategic legal and commercial guidance throughout all stages of financing arrangements.
View profileWORKING TOGETHER
Before we begin.
Advice we give to a lender is not advice to a borrower or guarantor. Conflicts are checked before we start. Matter visibility is shared at our discretion and within our professional obligations, with client confidentiality maintained. Illustrations use fictional data.
Who do you act for?
We act for banks, private banks, non-bank and private credit lenders, funds and family offices on lending transactions in Sydney and Brisbane. Advice we give to a lender is not advice to a borrower or guarantor, and we check conflicts before we start.
How quickly do you turn simple loan documents around?
Within one business day from complete instructions, for a simple loan and its ancillary documents. Complex, bespoke or multi-party facilities are scoped individually.
How do fixed fees work?
We scope the matter and quote a fixed fee before work starts, so you know the legal cost upfront.
What can I see on my matters?
Through a secure portal powered by Atto, lenders can see the current stage, outstanding conditions precedent, key dates and settlement progress in read-only views. We share matter views at our discretion and within our professional obligations.
Is my information secure?
Atto, the platform behind our portal, passed its ISO/IEC 27001:2022 Stage 1 audit on 21 October 2026, with certification in progress. Sign-in is by one-time passcode to approved email addresses, access is role-based and every upload, view and download is logged.
Can you give independent legal advice to guarantors and borrowers?
Yes, subject to conflicts. We can provide independent legal advice to a guarantor or borrower, separate from the lender's matter.
Where are your offices?
Sydney: 25 Bligh Street, Sydney NSW 2000, (02) 9125 0682. Brisbane: Level 17, 144 Edward Street, Brisbane QLD 4000, (07) 3103 9882.
START A CONVERSATION
Book an initial call with a senior lawyer
Talk with us about how you lend, the facilities you write and what a useful legal partner looks like.
Download our banking capability statement (PDF)PDF, 3.8 MBLocations
Sydney25 Bligh Street
Sydney NSW 2000(02) 9125 0682BrisbaneLevel 17, 144 Edward Street
Brisbane QLD 4000(07) 3103 9882
Sydney NSW 2000(02) 9125 0682BrisbaneLevel 17, 144 Edward Street
Brisbane QLD 4000(07) 3103 9882
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