Flexible home loans for more Aussies
Flexible home loans
for more
Aussies
Rates from
Voted 2019 Best Non-bank.
Rates from
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
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
Quick eligibility check
You're eligible to apply for a home loan with us if you are:
Tell us a bit about yourself to get your indicative interest rate.
Things we'll ask about:
Our home loan range
Prime
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.
Specialist
A flexible home loan for borrowers who have
had financial difficulties in the past.
Specialist+
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...
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.
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!!
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.
Bluestone made the whole experience absolutely painless.
I wouldn't hesitate to recommend Bluestone to anyone requiring a home loan.
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.
