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WealthStone Advisors
      • Services
      • Solutions
      • Our Process
      • About Us
    • bOOK CONSULTATION
    Expert Finance Solutions Australia

    Expert mortgage
    advice
    you can build your
    future on.

    At Wealthstone Advisors, we make mortgage decisions simple. Our expert guidance helps you build, protect, and grow your financial future — one smart lending decision at a time.

    Book Free Consultation Our Process
    500+
    Clients Served
    Helping Australians reach their financial goals
    $2B+
    Loans Settled
    Across residential and commercial lending
    50+
    Lender Panel
    Australia's top lenders and products
    10+
    Years Experience
    Deep industry knowledge you can trust
    Australian Credit Licence 389328
    First Home Buyers
    SMSF Loan
    Investment Properties
    Refinancing
    Commercial Lending
    Portfolio Growth
    Wealth Management
    Expert Advice
    First Home Buyers
    Investment Properties
    Refinancing
    Commercial Lending
    Portfolio Growth
    Wealth Management
    Expert Advice
    What Sets Us Apart

    Three pillars of our
    client commitment

    01

    Experience Based Advice

    When it comes to finance, you want experts with in-depth knowledge and years of experience to draw upon. Our qualified specialists are backed by a proven track record across residential, investment, and commercial lending.

    02

    Personalised Service

    We put you first. You are unique and your situation is like nobody else's. We invest time understanding you, your goals, and your long-term aspirations before making any recommendation.

    03

    Advisers You Can Trust

    We treat you with honesty and transparency at  every step. If there is something you are unsure of, just ask. We will do everything in our power to provide clear, straightforward answers you can rely on.

    Our Mission

    Translating complexity
    into clear strategies

    Wealthstone Advisors is committed to your financial success above all else. Our specialists simplify complex financial concepts so you can grasp the full range of options available to you.

    We direct you toward the path that works best for your unique situation, and promise our ongoing support whenever you require it. Our approach is future-focused, education-led, and underpinned by a deeply ethical advisory philosophy.

    Start Your Journey

    "We empower clients with expert guidance and long-term solutions for wealth that lasts."

    Our Solutions

    We will help you get
    wherever you want to  go

    Whatever your property and financial goals look like, we have the expertise, lender relationships, and personalised approach to make them a reality.

    01

    Purchasing Your First Home

    Buying your first home is an exciting milestone, but the process can feel complex and overwhelming. We provide clear guidance and expert support at every stage, helping you make confident, informed decisions.

    Learn more
    02

    Investing in Property

    As your property goals evolve, our experts bring market intelligence and personalised advice to guide every decision. Begin with a no-obligation home loan health check before your next move.

    Learn more
    03

    Expanding Your Portfolio

    Property investment is a long-term strategy built on insight, precision, and planning. We deliver bespoke guidance aligned to your goals, helping you unlock the full potential of your investment over time.

    Learn more
    04

    Refinance

    Refinancing gives you the opportunity to realign your mortgage with your current financial goals. We evaluate your existing loan and explore options that may deliver greater savings and improved flexibility.

    Learn more
    How It Works

    Six simple steps
    to financial success

    The path from initial inquiry to settled funding is straightforward. We handle the heavy lifting while keeping you fully informed and in control at every stage of the journey.

    01

    Discovery

    Complete a questionnaire so we can understand your financial situation, goals, and what success looks like for you.

    02

    Negotiation

    We negotiate with our panel of 50+ lenders to find the most competitive deal suited to your individual needs.

    03

    Presentation

    We present your three top options with full details and transparent explanations so you can make a fully informed decision.

    04

    Application

    You choose and we submit your application, managing all paperwork and keeping you updated throughout.

    05

    Approval

    Your application is approved and funds are directed to their destination. We ensure everything settles smoothly.

    06

    Ongoing Support

    Our relationship does not end at settlement. We check in periodically to ensure your goals remain on track.

    SMSF Lending

    Grow your super with
    property investment

    A Self-Managed Super Fund (SMSF) loan allows your fund to borrow money to purchase investment property — one of the most powerful strategies for building long-term retirement wealth in Australia.

    Navigating SMSF lending requires specialist expertise. Our advisers are experienced in Limited Recourse Borrowing Arrangements (LRBAs) and work closely with your accountant and SMSF trustee to ensure full compliance at every step.

    Book Free Consultation

    Residential & Commercial

    Purchase residential or commercial property within your SMSF using a compliant LRBA structure.

    ATO Compliant Structures

    We ensure your borrowing arrangement meets all ATO requirements, protecting the integrity of your fund.

    Specialist Lender Access

    Not all lenders offer SMSF loans. We connect you with those that do, securing competitive terms for your fund.

    Coordinated Advisory

    We collaborate with your accountant, financial planner, and solicitor for a seamless end-to-end experience.

    Important

    SMSF lending involves complex legal and tax obligations. We strongly recommend engaging a qualified SMSF accountant and financial adviser alongside our mortgage advice.

     WealthStone Advisors - Emmil Philip
    Emmil Philip
    Principal Adviser, Founder & Director
    Australian Credit Licence Licence Number 389328 · ASIC Regulated
    About Wealthstone

    Purpose-driven expertise,
    genuine results

    At Wealthstone Advisors, we are a purpose-driven team dedicated to delivering clarity, innovation, and expert guidance for every client seeking to purchase property, invest, or refinance across residential owner-occupier, investment, and commercial lending.

    Our lending expertise is grounded in deep industry knowledge and guided by experienced professionals. Our approach is future-focused and education-led, underpinned by a deeply ethical advisory philosophy.

    Ethical Advisory
    Your interests come first, always. We are transparent about fees, commissions, and reasoning.
    Education-Led
    We do not just find you a loan. We help you understand why it is the right choice.
    Long-Term Focus
    We think beyond settlement. Our advice is structured around your financial trajectory over time.
    Industry Access
    Direct relationships with 50+ lenders means genuinely competitive rates for you.
    Get Started

    Book your free
    consultation today

    No cost, no obligation, and no jargon. Just a genuine conversation about your financial goals and how we can help you achieve them.

    • No-cost, no-obligation initial consultation
    • Access to 50+ lenders and exclusive products
    • Expert guidance on homes, investment, and refinancing
    • Ongoing support beyond settlement
    • Fully licensed and ASIC regulated advisers
    Submit

    Thank you for reaching out to Wealthstone Advisors!

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    A member of our team will contact you shortly to arrange your free consultation.

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    About us

    We are a team of dedicated professionals whose mission is to enhance financial well-being through tailored solutions. We provide exceptional services to address your financial needs.

    Our services are designed for individuals and businesses looking to optimise their financial strategies.

    Connect with our finance experts
    • Contact us
    • emmil@wealthstoneadvisors.com.au
    • +61 432 825 218 / +61 422 185 278
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