Simple home loans that fit you

Voted 2019 Best Non-bank Lender.

Simple home loans
that fit
you

Simple. Personal. Flexible. Fast.

Header Rates Nov 2021

Voted 2019 Best Non-bank.

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Award Seals - Website Banner
Header Rates - Mobile Nov 2021
with our simple loan checker.
with our simple loan checker.

Now's the time for more service, flexibility and savings.

Simple
process.

We want to make life easy for you. From the moment you contact us, we will work with you to find your best home loan fit, answering any and all questions along the way.

Highly
flexible.

Every borrower is unique. That's why we assess every application on its individual merits. We can find solutions for a wide range of people, to match your personal goals and circumstances.

Personal
consultant.

When you contact Bluestone, you'll be matched with a personal loan consultant. They'll stay with you as a source of support and information through the entire loan process.

Fast
turnaround.

Our team works hard to give every home loan application a speedy turnaround time. We'll keep you updated with your loan's progress through the entire process, so you're never left guessing.

Designed to fit more Aussies, more often

Designed to fit more Aussies, more often.

At Bluestone, we believe that home loans should be simple, personal and able to meet borrowers' changing financial needs. Since launching in 2000, we've helped over 48,000 Aussies buy or refinance their properties.

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 are experts in home loans, residential investment property finance, refinancing and debt consolidation – catering to borrowers mainstream lenders may not service.

Borrowers we help

  • Aussies looking to buy or refinance a home or investment property
  • Self-employed borrowers seeking alternative ways to prove their income
  • Borrowers with alternative or complicated income streams, including casual, short term and contract work
  • Those who are concerned about their credit history and need an understanding approach to credit assessment

Subject to credit assessment and lending criteria. Terms and conditions apply.

Your Bluestone loan options

Prime

Prime

Whether you are PAYG or self-employed, Prime offers you the flexibility you need at competitive interest rates. We accept a range of income types, and if you're self-employed, you can verify your income through a number of options.

Learn More >

Near-Prime

Near Prime

Near Prime might be your fit if you are PAYG or self-employed with clear credit, but don’t quite meet the requirements to be eligible for Prime. Near Prime offers you more options for consolidating debt, with multiple ways to prove your self-employed income.

Learn More >

Specialist

Specialist

Our Specialist product can help you get back on your feet financially with flexible options for refinance and debt consolidation. No automated credit scoring - we assess each application on a case-by-case basis to fully understand your circumstances.

Learn More >

Specialist-Plus

Specialist+

Specialist+ might be for you if you find it hard to obtain finance due to previous credit issues, bankruptcy or defaults. No automated credit scoring - we assess each application on a case-by-case basis to fully understand your circumstances.

Learn More >

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Voted 2019 Best Non-bank

With nearly 20 years in the market, our innovative solutions, superior service and commitment to continuous improvement have earned us many industry accolades and awards, including Best Australian Non-Bank 2019 and Best Australian Self-Employed Lender 2021.

This is what our customers are saying...

Cherie O, NSW

The customer service from this lender was outstanding. I was unconditional within days of submitting my application. Thank you Jess for making our dreams come true.

Cherie O, NSW
Maris E, QLD

Jessica was extremely helpful and supportive from application to settlement. She found me the best possible rate and time frame for my home loan. She was always upfront with me and replied promptly to my emails and phone calls. Given the current climate, Jessica's attention to detail made me feel comfortable and supported. Thank you!!

Maris E, QLD
Liza O, QLD

My mortgage specialist Jessica Wilson was the best broker/mortgage provider I have ever dealt with. I have owned a few homes before and never have I had such great service.

Liza O, QLD
Steve W, NSW

Bluestone made the whole experience absolutely painless.

Steve W, NSW
Leanne D, QLD

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

Leanne D, QLD

Calculators

Use the calculator below to calculate the potential repayments for your Bluestone home loan.

Homeloan Repayment Calculator

Postcode Loan Calculator

Note: The results from this calculator should be used as an indication only. Repayments are not inclusive of a $15 administration
fee, payable each month per loan split on some of our products. Results do not represent either quotes or pre-qualifications for a loan. Bluestone may not provide loans according to all repayment scenarios achievable in this calculator. The specific details of a loan will be provided in the loan contract.

Let us help you
find your fit

Tell us a bit about yourself to get our recommendation for your best Bluestone home loan fit.

Things we'll ask about:

  1. Your employment situation
  2. Your credit history (don't worry, no credit check!)
  3. How you want to prove your income, if you're self-employed

Tell us a bit about yourself to get our recommendation for your best Bluestone home loan fit.

Things we'll ask about:

  1. Your employment situation
  2. Your credit history (don't worry, no credit check!)
  3. How you want to prove your income, if you're self-employed