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Home Loans to Suit You

Our borrowers come in all shapes and sizes, so we know from experience that one size doesn't fit all. We take the time to understand your circumstances, and make decisions based on what we know, not what your credit score says.

I Want to Refinance My Home Loan

I Want to Refinance My Home Loan

I’m Concerned About My Credit History

I’m Concerned About My Credit History

I Want to Consolidate My Debt

I Want to Buy a Home

I Want to Buy a Home

I’m a Residential Property Investor

I’m Self-Employed

I’m Self-Employed

Steve W, NSW

Bluestone made the whole experience absolutely painless.

Neil B, NSW

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

Leanne D, QLD

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

Cory D, QLD

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

Andrea S, SA

After being refused by banks, Bluestone was the only one to take the time to evaluate our individual circumstances so that we were able to purchase our first home.

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Is a Bluestone home loan the right fit for you?

As Australia’s Best Non-Bank*, we are experts in home loans, residential investment property finance, refinancing and debt consolidation – catering to borrowers mainstream lenders may not service.

More than half of our borrowers are self-employed, so we understand the difficulties facing small business operators - both in terms of managing cash flow within a business, and in proving your ability to afford your loan in a way lenders accept. Some of our borrowers have had credit problems, and to them we offer an open mind and an understanding approach.

*RFI Group's Australian Lending Awards 2019

Bluestone Home Loan Features

Our home loans include a bunch of great features and flexible options, including:

Loan terms up to 30 years

Borrowing capacity up to 85% loan to value ratio (LVR)

Weekly, fortnightly and monthly payment options*

Interest-only payments for residential investment home loans (for 3 or 5 years)

Fixed rates (for 2 or 3 years)

Redraw facility

Debt consolidation of multiple debts

Payments of ATO debt

Cash out and line of credit facilities**

*First payment must be monthly. Subsequent payments can be flexible.
**Subject to credit criteria and assessment

Our products

Prime Borrower

Prime

Near Prime Borrower

Near Prime

Specialist Borrower

Specialist

Specialist Plus Borrower

Specialist+