‘Good news! We’re passing on the RBA 0.25% p.a. rate drop to eligible customers*, effective 11 June 2025. More info here
Home loans for unique borrowers
Self-employed? Imperfect credit?
We get it – and we’ve got options.
Loan approved
$500,000
We make home loans easier
Helping Aussies with a variety of financial needs and circumstances to purchase a home, refinance or invest.
Home loans for more Aussies
We’ve helped thousands of Aussies realise their property goals
Property Investment
Being self-employed or having imperfect credit shouldn’t close the door on the opportunity to grow your wealth
SMSF
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
Testimonials
What borrowers and brokers love about Bluestone
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?
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?
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?
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?
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.
