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I'm Concerned About My Credit History

Competitive home loans with no credit scoring

If you have some financial hiccups in your history, buying or refinancing your home can be tricky. That's why we assess applications on a case-by-case basis and provide solutions that cater for past financial difficulties.

Case by case assessment with no credit scoring

Combine your existing debts in one manageable repayment^

Defaults under $1000 or older than 12 months old ignored

Solutions for additional defaults and mortgage arrears

Personal support from application to loan settlement

^ Subject to credit assessment

Speak to a home loan specialist

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We take time to understand your financial needs

If your credit history is not completely squeaky clean, buying a home, or refinancing an existing home loan, can be difficult.

At Bluestone, your unique circumstances will be taken into account and your loan application will be carefully considered by a home loan specialist. With nearly 20 years of home lending experience, we take a personal approach to credit assessment - no loan is auto-declined or counted out based on predetermined credit scoring.

That means that if you are having trouble securing your home loan, we may be able to help - even if you have had some financial hiccups in the past.

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 – helping people like you every day.

Our focus is on delivering simple solutions and being there to support you throughout the entire process from application to settlement and beyond. Whether you are a PAYG employee, a small business operator, or recovering from past financial hiccups, our home loan specialists are standing by to help you get started.

*RFI Group's Australian Lending Awards 2019

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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’m a Residential Property Investor

I Want to Buy a Home

I Want to Buy a Home

I’m Self-Employed

I’m Self-Employed