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
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
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
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
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 borrowers mainstream lenders may not service.
More than half of our borrowers are self-employed, so 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 borrowers 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
Bluestone made the whole experience absolutely painless.
Bluestone's customer service is definitely something which other institutions should be striving for.
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.
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.
