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Phil Hustler
Partner | Head of Banking & Finance
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.
Phil specialises in non-bank and alternative lending, representing private lenders, emerging credit providers, and established financial institutions. His practice encompasses loan documentation, regulatory compliance, enforcement, and recovery matters. He has particular expertise in complex lending structures, security arrangements, and the regulatory framework governing credit providers in Australia.
Prior to joining Baystone Legal, Phil built his reputation in leading banking and finance teams, advising on transactions ranging from standard commercial lending to sophisticated structured finance arrangements. His practical, commercial approach to legal advice has earned him recognition from clients who value his ability to navigate complex regulatory requirements while achieving practical outcomes.
Phil is committed to providing strategic, client-focused advice that balances legal rigour with commercial pragmatism. He works closely with clients to understand their business objectives and deliver solutions that support their lending operations.
Qualifications
- •Bachelor of Laws (LLB)
- •Admitted to practice in New South Wales
- •Admitted to practice in the High Court of Australia
Memberships & Accreditations
- •Law Society of New South Wales
- •Banking & Financial Services Law Association
Favourite Quote
"Successful lending requires more than just documentation—it demands a strategic partner who understands both the legal framework and commercial realities of the finance industry."
— Phil Hustler
Get in Touch
Connect with Phil to discuss how we can assist with your legal needs.
Recent Cases
Syndicated Development Finance — Major Mixed-Use Project
$189M
Acted for a syndicate of Australian and international banks in the syndicated financing of a major mixed-use development comprising 161 residential apartments, commercial space, a full-line supermarket, 34 specialty retail shops, a hotel, and basement car parking.
Landmark Harbourside Shopping Centre — Structuring & Refinance
$124M
Acted for an institutional investor in the structuring and refinancing of a landmark harbourside shopping centre complex, including all document preparation, due diligence, and stamp duty analysis.
Eastern Seaboard Portfolio Refinance
$75M
Acted for the borrower on a complex refinance between major banks involving over 30 properties across the eastern seaboard, including leasehold, waterfront, and Torrens title properties.
Cross-Border Mezzanine Acquisition Finance
US$50M
Acted for a Hong Kong-based investment firm as mezzanine lender in a cross-border acquisition of a West Australian lithium miner by an international lithium products manufacturer, alongside major international co-financiers and counterpart counsel across multiple jurisdictions.
Corporate Refinance & Consolidation
~$80M
Acted for a large corporate entity in the refinance and consolidation of numerous facilities and group borrowers into a single facility with one financier, involving over 30 properties across New South Wales, Victoria, and Queensland.
International Bank — NCCPA Compliance Audit
Acted for an international bank in a comprehensive National Consumer Credit Protection Act compliance audit and advice engagement, including amending existing loan and security documentation and terms and conditions to achieve NCC compliance.
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