Understanding complexity
Complexity isn’t a red flag. It’s context. At Bluestone, we look beyond labels and scores to understand the real story behind each application.
Opportunities to broaden
your client base
For borrowers with a few bumps, and a story that still makes sense.
What defines Near Prime:
- Recent changes to employment or income structure
- Minor or historic credit events
- Short‑term arrears, now resolved
- Thin or limited credit history
- Borrowers returning to work after disruption
- Clear recovery and stabilisation
- Strong recent conduct
- Sensible LVRs and simple property types
Where Bluestone fits
- Transparent pricing and policy
- Clear refinance pathways when ready
- Human credit assessment
Available across
- Residential Owner Occupier home loans
- Residential Investment home loans
- Construction loans
- Commercial Property loans
Customers with layered complexity that needs a deeper credit lens.
What defines Specialist:
- Multiple or overlapping credit challenges
- Recent changes to employment or income structure
- Adverse, historic, or non‑standard credit events
- Short‑term arrears, now resolved
- Thin or interrupted credit history
- Borrowers returning to work after disruption
- Clear recovery and improving conduct
- Sensible LVRs with straightforward property types
Where Bluestone fits
- Policy flexibility without guesswork
- Human credit assessment
- Scenario‑led decisioning
Available across
- Residential Owner Occupier home loans
- Residential Investment home loans
For high‑complexity customers where context is critical.
What defines Specialist Plus:
- Severe or recent credit impairment
- Multiple layers of complexity across income, credit and structure
- Limited refinance options elsewhere
- Business owners post‑distress
- Often time‑sensitive, with less room for error
- A clear servicing story and rationale for approval
- An exit strategy, even if longer dated
Where Bluestone fits
- Deep experience with complex credit profiles
- Consistency in assessment
- Willingness to engage early through our scenario desk
Available across
- Residential owner occupier loans
- Residential investment loans
Limited Time
0.25% p.a. off*
Near-Prime, Specialist and Specialist Plus Residential Loans
Understanding complexity
Complexity isn’t a red flag. It’s context. At Bluestone, we look beyond labels and scores to understand the real story behind each application.
Near Prime
- Max 90% LVR (metro and non-metro)
- ATO debt consolidation up $200K
- Unlimited cash out
- ABN length for self-employed 12 months. GST 1 day
Specialist
- Max 85% LVR (metro and non-metro)
- ATO debt consolidation up $200K
- Unlimited cash out for <80% LVR, and up to $200k for >80%
- ABN length for self-employed 6 months. GST 1 day.
Specialist +
- Max 80% LVR (metro and non-metro)
- ATO debt consolidation up $200K
- Unlimited cash out for < 80% LVR, $200k for >80%
- ABN length for self-employed 6 months. GST 1 day
What helps a complex deal land well
Set the deal up once, set it up right.
Clarity
Evidence
Expectations
Engagement
Toolkit for brokers
Limited Time
0.25% p.a. off*
Near-Prime and Specialist Residential Loans
Get accredited with
Bluestone today
Get access to our tools, policies and scenario support.
Policy Updates and Industry Insights
Keep updated with our latest policy changes and insights in the industry.
9. Finding Opportunity With Tax Debt? Yes It’s Possible – with guest, Michael Moon
An update for Brokers on Proposed Tax Changes
8. Your Future Clients Have Zero Financial Clue, with guests, Beth Comino and Victoria Costa
Have Questions?
We’re always here to help! Check out our full list of FAQs or get in touch with our team.
Can I get help workshopping a current deal?
Can I get help workshopping a current deal?
Absolutely! Our expert BDM team are ready to help you workshop your next deal. Remember, it not a ‘No’ until your BDM says it is.
Is Bluestone a bank?
Is Bluestone a bank?
Bluestone is a not a bank, we’re what is known in Australia as a non-bank. This means we don’t offer transaction accounts or credit cards.
Our home loans are also funded in a different way to the banks, giving us flexibility to offer a wider range of home loan products to fit our customers’ needs. Bluestone is funded by warehouse funding facilities. These warehouses are like a huge overdraft that we negotiate with major banks. For each loan we settle, we draw out money to pay our customers.
What does Bluestone specialise in?
What does Bluestone specialise in?
We offer a range of home loans for owner-occupiers, property investors and those interested in SMSF property. We specialise in being able to offer loans to borrowers the big banks often overlook, including borrowers who are self-employed or need an alternative way to prove their income
Testimonials
What Brokers are saying about Bluestone
The Legal Bits
*Offer only applies to eligible new Near Prime, Specialist or Specialist+ residential loans submitted from 13 Apr to 31 May 2026 and settled within 6 months. Eligibility criteria, T&Cs, fees and charges apply.
To be eligible for a Bluestone Home Loan, you’ll need to be an Australian Credit Licence 390 183. Australian resident with a credit profile over the age of 18.
1Full Doc Principal and Interest Rates displayed as an example. Rates vary depending on a number of factors including individual credit risk, stability of income, LVR, the length of the term of a loan, the amount borrowed, the purpose of the loan and prevailing market conditions. All interest rates quoted are for new business only, are expressed as a nominal annual percentage rate and are subject to change.
2Comparison rate: Any comparison rate displayed is based on secured credit of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
3The amount that may be borrowed is subject to eligibility and approval criteria. The final loan amount is determined based on the applicant’s creditworthiness, income, existing debt, and other financial factors.