One of Australia's Leading Non-Bank Lenders

Bluestone is a fast-growing non-bank specialising in near prime residential lending. Our products cater for self-employed and credit-impaired customers, providing tailored solutions for their financial needs and objectives.

What's New

We have officially entered the near prime lending space! In an ambitious and progressive step, we've reduced rates by up to 225 basis points across our product suite.

Customers we help

Each and every one of your clients is different and that is why we assess each scenario on its own merits. We don't stereotype, we genuinely try to understand the story of each borrower so we can provide them with the best deal possible. 

Complex Income

Complex Income

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Credit Impairment

Credit Impairment

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Self Employed

Self Employed

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our products

Our products have been developed with the customer in mind, and with feedback from you, our brokers, they provide solutions for real people. Designed to be flexible they can be tailored to the individual, which allows us to provide your clients with the best deal possible.

  • Frequently Asked Questions  

  • Do Bluestone consider applicants with bad credit history?

    Yes, Bluestone will consider your application. The level of impairment will impact your applicable interest rate. Bluestone is able to consider any application with all defaults over 24 months ignored, all defaults up to $1,000 ignored.
  • How does Bluestone determine my interest rate?

    Bluestone is a risk based lender. We are not a bank and therefore your interest rate is determined with regard to our funding costs, loan to value ratio, credit impairment and current mortgage repayment or rental repayment history (your lending consultant will be able to discuss your indicative rate after discussion of your scenario).
  • Does Bluestone charge application fees?

    No Bluestone do not currently charge and application fee, however there are costs associated with establishing your Bluestone loan and your lending consultant will be able to discuss these with you.
  • Does Bluestone lend to applicants with Centrelink income?

    Yes, Bluestone will consider centrelink pension income in assessment of loan affordability e.g. widow’s pension, aged pension, disability pension, family payments & Austudy for a full time student with an acceptable academic record. Centrelink income used in our assessment of affordability is subject to appropriate written confirmation. Newstart payments are not considered.
  • Does Bluestone lend to all locations?

    Bluestone lends in most major metropolitan areas of Australia. Population is determinate for rural and non metropolitan locations. Refer to the acceptable security locator on this website.
  • Does Bluestone consider loans for Bankrupt/Part 9/Part 10 applicants?

    Yes, Bluestone will consider your application. The timeframe of how long ago the bankruptcy was discharged for example will impact your applicable interest rate.
  • Do Bluestone consider loans for applicants with current rental/mortgage arrears?

    Yes, Bluestone will consider your application. The level of the arrears will impact your applicable interest rate.
  • Is Bluestone compliant with the National Consumer Credit Protection Act?

    Bluestone is compliant with the National Consumer Credit Protection Act as well as the regulatory Requirements of ASIC and the credit ombudsman. Bluestone will ensure in a our assessment of your application that you have the ability to meet your loan repayment commitments without being in a position of “financial hardship”.
    Australian Credit Licence Number 390 453
  • Is Bluestone a responsible lender?

    Bluestone is a responsible lender and we acknowledge our obligations to ensure that we are acting in the best interests of our borrowers by ensuring that every loan Bluestone offers is “not unsuitable”. Your income and regular spending habits will be considered (amongst other things) in our assessment of your suitability for the loan.
  • Is there a minimum or maximum loan amount I can borrow?

    Yes, the minimum loan is $100,000 and the maximum loan is $1,500,000 (subject to lending assessment, location and loan to value ratio).
  • Is there a maximum age limit?

    There is no maximum age limit at time of application, although if your age in relation to the remaining term of the loan is a concern to Bluestone with regard to your affordability of the loan, you will be required to seek independent legal advice and to provide Bluestone with details of how the loan will be repaid without causing you undue hardship once your income source no longer is relevant e.g. are you intending to sell an asset/ business/ shares, do you have superannuation to cover the loan?