Not your typical home loan

We look beyond the numbers to find the right loan for you, no matter your situation

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Buy a Home

Realise your dreams of owning a home with our owner occupier loans

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Invest in Property

Solutions for your next residential investment

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SMSF investment

Use your SMSF to invest in residential property

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Solutions for any circumstance

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Low Deposit

Low

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Self Employed

Alternative income verification

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Poor Credit

Our flexible approach can help

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Refinancing

Debt consolidation made easy

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Different Circumstances

Circumstances taken into account

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Why more borrowers are choosing Bluestone

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The Bluestone Home Loans difference

We assess each application on a case-by-case basis to understand your story.

Find out more about us
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Finding the right broker for you

Currently Bluestone Home Loans are available exclusively via a broker. 

Read our guide
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1:1 support every step of the way

A dedicated customer service team is here to assist you through the life of your loan

Reach out to our team

Helpful home loan tools and guides

Designed to help you better understand home loan rates, fees, repayments and lingo

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Repayment Calculator

How much do I need to repay each month and how do I calculate it?

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Home Loan Guide

We simplify home loans for you! Break down the jargon and helping you understand the basics

A few tips to help you get started

Discover tools, tips and insights to understand everything the home loan process, managing your loan, proper investment, and more.

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Property investment

Q&A: 2026 Property Investment Outlook

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29 August, 2025
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Property investment

3 Ways to Grow Your Portfolio Without A Bank

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21 August, 2025
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Home loan basics

What cash rate changes could mean for borrowers in 2025

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14 August, 2025
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Testimonials

What borrowers and brokers love about Bluestone 

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.

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.