Owner Occupier Home Loans
We make owning a home possible for those brave and curious enough to start their own business, have incredible aspirations or unique paths but still determined to create a fantastic life.
What we offer
| Features | Benefits |
| Offset account | Flexible income verification |
| Options for borrowers with imperfect credit | Up to 90% Loan to value Ratio (LVR)^ |
| Debt consolidation considered (including ATO debt) | No Lenders Mortgage Insurance (LMI) |
The low-down on our loans
Ideal for self-employed clients or those with non-traditional income. We accept alternative documents for income verification like:
- Accountant’s letter
- 6 months business activity statements (BAS)
- 6 months business bank statements
- Tax returns
$3 million
80%
2 to 5 years
30 years
$3 million
80%
2 to 5 years
30 years
To be eligible for a Bluestone Residential Construction Loan, you’ll need to be an Australian resident over the age of 18, and meet other eligibility and approval criteria.
Helpful home loan tools and guides
Designed to help you better understand home loan rates, fees, repayments and lingo
Your latest market insights
Our curated selection of the latest market insights, guides and tactics to help achieve your property ambitions.
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.
What fixed rates do you offer?
What fixed rates do you offer?
Currently we only offer variable rates. Find out what rate you’d likely get by chatting to your broker.
What is your loan eligibility criteria?
What is your loan eligibility criteria?
As a non-bank lender, we generally have more flexible eligibility criteria than the traditional big banks.
Being a non-bank lender, we have the opportunity to provide flexible lending solutions that suit people who are self-employed, have low-documentation or alternative income, as well as those who may even have an imperfect credit history.
Do you have unconditional approval?
Do you have unconditional approval?
Yes, unconditional approval is when you have applied and been approved for a loan. Unlike pre-approval, unconditional approval is a guarantee that you will be able to borrow a certain amount.
Do you offer interest-only terms?
Do you offer interest-only terms?
We sure do! You can choose between principal and interest or interest only repayments. Check with your broker or adviser for which option is best for you.
How does Bluestone consider second mortgages?
How does Bluestone consider second mortgages?
Bluestone does not currently offer second mortgages.
Ready to get started?
Currently our home loans are only available through an accredited broker. Share your details and we’ll point you in the right direction.
