Flexible home loans for more Aussies

Flexible home loans
for more

Rates from

Header Rates Nov 20

Voted 2019 Best Non-bank.

Bluestone Key Awards

Rates from

Header Rates - Mobile Nov 2020

No credit scoring

We take time to understand your unique circumstances.


Fast application assessment

Get a decision in days, not weeks.


No-fees offset facility

Use your savings to reduce the interest on your loan.


No lender's mortgage insurance

Or risk fees on Bluestone Prime home loans.

We'll help find a home loan that fits you

Our loans are built to suit borrowers from a wide range of different circumstances.

For borrowers with clear credit and a strong employment history, there's our Prime loan. Whether PAYG or self-employed, Prime offers you the flexibility you need at competitive interest rates. If Prime isn't right for you, don't worry! We have a range of home loans that might suit you.

Rate calculator

Simply provide us with a few details about your home loan to see our competitive rates and repayments.
Please note these rates are for our Prime loan, rates may vary depending on your circumstances.

Enter your Loan amount

For a 30 year loan term, max loan $2.5m

Choose your Loan purpose

Choose your Loan type

Choose either Full doc or Alt doc††

Choose your Deposit

† Full doc - you’re in full time employment or you’re self employed with at least two years of documentation to prove your income.
†† Alt doc - you’re self-employed and need a more flexible way to prove your income.

Your variable rate

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Variable rate
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Comparison rate
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Happy with this rate?

Check that this loan is the right fit for you.

Check your home loan fit

Quick eligibility check

You're eligible to apply for a home loan with us if you are:

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 $2.5m.

What loan is right for your situation?

Tell us a bit about yourself to get your indicative interest rate.

Things we'll ask about:

Your employment situation

Your credit history (don't worry, no credit check!)

How you want to prove your income, if you're self-employed

Our home loan range


A competitive home loan for borrowers with
clear credit and strong employment history.

Near Prime

A simple home loan for clear credit borrowers
who need a bit more flexibility.


A flexible home loan for borrowers who have
had financial difficulties in the past.


A straightforward home loan for borrowers who
are recovering from financial difficulties.

Need more help?

Our friendly lending specialists are here to help you throughout the process.

Please get in touch if you have any questions.

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

How to get started with Bluestone

1. Find

Go to find your fit to see if a Bluestone loan is right for you. Don't forget to give us your contact details at the end so we can get in touch with you about your financial goals.

2. Chat

One of our friendly loan specialists will give you a call to discuss your situation in more detail and answer any questions you might have.

3. Apply

We'll send you our application form to fill out and let you know what supporting documents you'll need to provide.

4. Assess

Once you've submitted your application, our lending team will assess it and get back to you with a decision within two business days. Before we can move to unconditional approval we'll need to value your security property and verify a few details.

5. Settle

After you've been unconditionally approved, you sign the paperwork and we'll do the rest.
Congratulations, it's time to celebrate your new loan!

Plant trees with your home loan!

We're doing our bit for conservation and now you can too! In partnership with One Tree Planted and FEED, we plant three trees for every home loan we settle. The trees are planted in our three Bluestone locations - Australia, New Zealand and Manila, with a focus on bushfire recovery and the protection of habitat for native species.