Prime Full Doc
A competitive home loan for borrowers with clear credit and strong employment history.
Whether you are PAYG or self-employed, Prime offers you the flexibility you need at competitive interest rates. With Prime full doc, you can borrow up to 90% of your property value without paying extra in risk fees or Lender Mortgage Insurance (LMI).
How to prove your income
PAYG: 2 most recent pay slips + matching salary credits in your bank account
Self-employed: 2 most recent tax returns and Notices of Assessment (NOAs) + last 3 months' business bank statements or business activity statements (BAS)
Your personal loan consultant may request further documents depending on your specific situation.
Borrow up to 90% LVR without paying Lenders Mortgage Insurance (LMI)
No risk fees
Short term and casual employment accepted
Subject to credit assessment and lending criteria. Terms and conditions apply.
A Prime success story
DIVORCED MUM OF 3 USES OVERTIME AND FAMILY PAYMENTS TO REFINANCE THE FAMILY HOME
Miranda is a busy mum of 3 who is ready to remove her ex husband off the family home title. She's a part time nurse, but has worked regular and consistent overtime for the last 2 years.
During the divorce Miranda accrued some credit card debt and personal loans she'd like to pay off as part of her refinance.
Between Miranda's overtime income, which her broker evidenced with her payslips, tax returns and matching Notices of Assessments, and the Family Tax Benefits A&B she receives for her kids, Bluestone was able to prove servicing easily and remove Miranda's ex from the title.
As an added bonus, given her low loan-to-value ratio, Miranda qualified for our best available Prime rates and saved hundreds of dollars in extra interest payments on the debts she consolidated.
Case studies are for illustrative purposes only.
This is what our customers are saying...
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.
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!!
Bluestone made the whole experience absolutely painless.
I wouldn't hesitate to recommend Bluestone to anyone requiring a home loan.
I would recommend Bluestone to anyone with out-of-the-norm home loan needs.
Take 3 minutes to pre-qualify
Love the sound of Prime Full Doc?
Tell us a bit more about the loan you're after to see your individual indicative interest rate and get matched with your personal loan consultant.
Things we'll ask about:
- The purpose of your home loan
- The approximate value and location of the property
- The size of your deposit or existing equity
Please note pre-qualification only confirms that your loan goals and property likely fall within Bluestone’s credit policy, and does not constitute pre-approval for a loan. Your personal loan consultant will help you determine if you want to proceed with an application.
Calculate how much you may be able to borrow
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.