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Home Loan Products

Simple. Flexible. Fast. Designed to fit more Aussies, more often.

Fixed rates from as low as 2.99% p.aˆ (3.26% p.a comparison rate)**

Prime

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. We accept a range of income types, and if you're self-employed, you can verify your income through a number of options.

Product Features

Competitive variable interest rates from 3.09% p.a* (3.36% p.a comparison rate**)

Short-term and casual employment accepted

Release up to $500,000 of equity

Line of Credit available

Consolidate up to $100,000 unsecured debt

Self-employed verification through TWO of the following: 6 months’ business activity statements, 6 months’ business bank statements, accountant’s letter

Borrow up to 85% LVR without paying Lenders Mortgage Insurance (LMI)

Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee may apply.

Near Prime

A Simple home loan for clear credit borrowers who don’t quite fit the qualifying criteria for our prime product.

Near Prime is for people who are PAYG or self-employed with clear credit but who don’t quite meet the requirements to be eligible for Prime. If this sounds like you, Near Prime offers you more options for refinancing, with multiple ways to prove your income.

Product Features

Variable interest rates from 3.99% p.a* (4.36% p.a comparison rate**)

Short term and casual employment accepted

ABN registration from 24 months and 1 day GST registration

Only 1 years’ tax return required for full doc income verification

Judgements & defaults less than $1000 or greater than 24 months old ignored

Unlimited debt consolidation, including ATO debt and loans from private lenders

Release up to $500k of equity

Borrow up to 85% LVR without paying Lenders Mortgage Insurance (LMI)

Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee applies.

Specialist

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

Our Specialist product can help you get back on your feet financially with a simplified home loan that offers more extensive refinancing options. No automated credit scoring - we take the time to assess each application on a case-by-case basis to fully understand your circumstances.

Product Features

Variable interest rates from 5.99% p.a* (6.36% p.a comparison rate**)

Judgements & defaults less than $1000 or greater than 12 months old ignored

Minor mortgage arrears accepted (less than 1 month within 6 months)

Unlimited debt consolidation

Discharged bankruptcies over 2 years old can be ignored

Release up to $200,000 of equity

Borrow up to 85% LVR without paying Lenders Mortgage Insurance (LMI)

Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee applies.

Specialist+

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

Specialist+ is a flexible home loan for anyone who might find it hard to obtain finance due to previous credit issues, bankruptcy or defaults. No automated credit scoring - we take the time to assess each application on a case-by-case basis to fully understand your circumstances.

Product Features

Variable interest rates from 6.54% p.a* (6.95% p.a comparison rate**)

Mortgage arrears less than 3 months accepted

Up to 2 defaults over $1000 within 12 months accepted. Defaults greater than 12 months or less than $1000 ignored

Unlimited debt consolidation

Discharged bankruptcies over 2 years old can be ignored

Part IX and X debt agreements can be cleared (with good repayment history)

Borrow up to 80% LVR

Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee applies.

 

ˆFixed interest rates range from 2.99% to 8.39% p.a (3.26% to 8.94% comparison rates).

*Variable interest rates range from 3.09% to 8.49% p.a. (3.36% to 9.04% p.a comparison rates). Rates are correct as at 4 November 2019 and subject to change at any time.

**Comparison rates are based on secured credit of $150,000 and a term of 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

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 customers mainstream lenders may not service.

More than half of our customers are self-employed, and 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 customers have had credit problems, and to them we offer an open mind and an understanding approach.

*RFI Group's Australian Lending Awards 2019

Customer Success Stories

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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