Home loans for borrowers like you

We offer flexible home loan solutions for borrowers with unique circumstances

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Loan approved

$500,000

We make home loans easier

 We help Aussies with a variety of financial needs and circumstances to purchase a home, refinance or invest.

Tailored Loan Solutions for You

We evaluate each application individually, considering key factors to match you with personalised loan options.

Explore Our Solutions

Fast Approval Process

Have a complex application? No problem. Our team work with your broker to make homeownership quicker and easier.

Customer Success Stories

Personalised Support

Our friendly customer service team provide you with ongoing assistance from day one and during the life of your loan.

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Home loans for more Aussies

We’ve helped thousands of Aussies realise their property goals

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Owner occupier

Realise your dream of owning a home with our tailored solutions, even if your circumstances differ from traditional bank standards

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Investment property

Being self-employed or having imperfect credit shouldn’t close the door on the opportunity to grow your wealth

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SMSF Investment

Take charge of your retirement goals. Find out how you can use your SMSF to invest in property.

We demystify all that home loan info

Tools, resources and calculators to help with your home loan journey

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Personal Finance

The Ultimate Credit Score Guide: How Score Impacts Home Loan Approval 

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Home loan basics

Understanding Home Valuations: What You Need to Know

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Home loan basics

Understanding Your Borrowing Power: A Guide for Home Loan Borrowers 

See why Borrowers and Brokers love us

Check out Bluestone Home Loans reviews

Bluestone made the whole experience absolutely painless.

Steve W, NSW

29 September, 2022

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Bluestone's customer service is definitely something which other institutions should be striving for.

Neil B, NSW

8 June, 2023

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After being refused by banks, Bluestone was the only one to take the time to evaluate our individual circumstances

Andrea S, NSW

23 September, 2023

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I would recommend Bluestone to anyone with out-of-the-norm home loan needs.

Cory D, QLD

16 December, 2023

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I wouldn't hesitate to recommend Bluestone to anyone requiring a home loan.

Leanne D, QLD

4 March, 2024

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Have Questions?

We’re always here to help! Check out our full list of FAQs or get in touch with our team.

Am I eligible for a Bluestone home loan?

To be eligible for a Bluestone home loan you need to be:

  • An Australian citizen or permanent resident living in Australia
  • Over 18 years old
  • Employed (includes self-employed)
  • Buying or refinancing an established residential property – not off the plan or construction
  • An owner occupier or investor (your loan purpose will affect your rates)
  • Looking to borrow between $100,000 and $3m.

Does Bluestone charge lender’s mortgage insurance?

At Bluestone, we don’t charge lender’s mortgage insurance (LMI), however we do charge a risk fee on some of our products.

Does Bluestone offer line of credit?

Yes. We offer a line of credit of up to $500,000 on Prime and and Near Prime full doc and $200,000 on other products except for Specialist +.

Can I get a home loan if I’m bankrupt?

Depending on your circumstances you may be able to get a home loan if you have a previous bankruptcy. Our Specialist and Specialist+ products are intended to help borrowers who are recovering from previous difficulties. Find out more here or call us on 13 25 83 to talk to a loan specialist about your individual situation.

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