I'm Jason Bills, your local mortgage broker — in your corner, not the bank's. I take care of the lot, keep you posted the whole way, and keep reviewing your rate long after your loan settles.
“Jason has made our experience for a home loan and our banking needs so simple and stress free, thankyou, I highly recommend My Castle Lending!”
2 months ago“This is the second time I have used Jason - and would do it again and again without hesitation!”
4 months ago“We had a wonderful experience with Jason. He kept us informed at every step, explained everything clearly, and always responded quickly to any questions we had. Truly outstanding service - highly recommended.”
a month ago“Jason Provides a Easy Hassle free Experience, would recommend”
5 months ago“My Castle Lending is fantastic, they are extremely knowledgeable, efficient and very open with communication so you know what is going on at all times. I would recommend this team each time.”
a month ago“Jason was amazing. He communicated with us every step of the way and helped us navigate through the process. He is friendly, professional, approachable and was supportive of our needs. Thank you, Jason, we could not have done this without you. Cheers”
6 months ago“Jason has made our experience for a home loan and our banking needs so simple and stress free, thankyou, I highly recommend My Castle Lending!”
2 months ago“This is the second time I have used Jason - and would do it again and again without hesitation!”
4 months ago“We had a wonderful experience with Jason. He kept us informed at every step, explained everything clearly, and always responded quickly to any questions we had. Truly outstanding service - highly recommended.”
a month ago“Jason Provides a Easy Hassle free Experience, would recommend”
5 months ago“My Castle Lending is fantastic, they are extremely knowledgeable, efficient and very open with communication so you know what is going on at all times. I would recommend this team each time.”
a month ago“Jason was amazing. He communicated with us every step of the way and helped us navigate through the process. He is friendly, professional, approachable and was supportive of our needs. Thank you, Jason, we could not have done this without you. Cheers”
6 months agoI specialise in home loans — which means I know it inside out, and I’ll advocate for you on rate and structure.
Deposit, borrowing power, and the government schemes you might qualify for — worked out before you start looking.
A proper look at what you’re paying now against the market. If you’re already on a good rate, I’ll tell you that.
Bridging the gap between selling and buying, or keeping the first one and turning it into an investment.
Structured around what you’re building toward, not just the headline rate.
Construction lending draws down in stages and works differently. I’ll walk you through it.
Contractors, ABN holders, unusual titles. The lenders that say no aren’t the only lenders.
There are federal schemes that get you in without the usual 20% and without lenders mortgage insurance — and one of them isn’t limited to first home buyers. Most people I speak to either haven’t heard of them or assume they wouldn’t qualify.
Buy with a 5% deposit and pay no lenders mortgage insurance. The government guarantees the gap to the lender — you keep the whole property and any growth in it.
The government takes a stake in the property so you borrow less — which means a much smaller deposit and smaller repayments, in exchange for them owning a share.
Both have conditions worth understanding properly before you count on them — and Help to Buy is only offered through a limited panel of lenders. Tell me your situation and I’ll work out which, if either, you actually qualify for. There are state grants and stamp duty concessions on top of these too.
I'm in your corner from day one. You tell me your situation, and I go and negotiate on your behalf.
Income, deposit, and what you’re looking to buy — or what you’re currently paying. A ten-minute conversation is enough to start.
I work out what you can borrow, which schemes you qualify for, and which of 60+ lenders are likely to approve you, and on what terms. Then I prepare and lodge the application.
Updates the whole way through settlement — then I keep checking your rate against the market, year after year.
That’s the whole process. It starts with a ten-minute conversation.
“We first met Jason around six years ago, when he helped us secure an investment property loan during the difficult COVID period, at a time when many banks were reluctant to lend. Jason worked tirelessly to advocate for us… He keeps in touch and regularly checks in to make sure we’re still happy.”
Sandy Scarborough · Google review
The majors, the second tier, and the specialists most people have never heard of — which is usually where the tricky ones get solved.
I’ll tell you where you stand. No obligation, and nothing to fill in first.
0421 971 176Mon–Fri 9–5, or leave an enquiry and I’ll be in touch.
