Home Loan Products

Rates from

Header Rates Nov 20

Voted 2019 Best Non-bank.

Bluestone Key Awards

Home loan products

Rates from

Header Rates - Mobile Nov 2020

Home loans built to suit you

Our products are designed to fit a wide variety of borrower circumstances.

To make it easy for you to find the product with the features most likely to suit your needs, we have categorised them in two different ways:

Prime to
Specialist+

Our loan products are named in line with common industry terminology.

A Prime borrower has a clear credit history and strong employment credentials, while a Specialist borrower may have some defaults or other credit impairments in their past.

A Near Prime borrower needs more flexibility than a Prime borrower, but does not need a Specialist solution. Near Prime and Specialist loans can also accept a broader set of income types to pay for your loan, as well as pay out a wider variety of debts, like ATO debt.

Full doc
vs alt doc

Full doc and alt doc refer to the kind of documents you have available to prove the income you want to use to pay your loan.

Alt doc loans are specifically designed for self-employed borrowers who do not have their most recent tax records available, or whose taxes don't tell the full story of their business - for example because of recent significant growth that is not reflected in their latest tax return.

If you are not self-employed, or you have your most recent tax returns available, you are a full doc borrower.

Not sure which loan is right for you?

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

Full Doc

Rates from

2.44%*

(4.49%** comparison)
Up to

90%

loan-to-value ratio (LVR)

No risk fees

Release up to $500,000 of equity

Consolidate up to $100,000 unsecured debt

Alt Doc

Rates from

3.39%*

(3.63%** comparison)
Up to

85%

loan-to-value ratio (LVR)

Self-employed verification via 6 months’ business activity statements (BAS) plus 6 months' business bank statements

Release up to $200,000 of equity

Consolidate up to $100,000 unsecured debt

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

Near Prime

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

Near Prime is for people who are PAYG or self-employed with clear credit who need a bit more flexibility in their home loan product. If this sounds like you, Near Prime offers you more options for refinancing and simpler ways to prove your income, and can overlook small financial hiccups like a late electricity bill.

Product Features

Full Doc

Rates from

3.74%*

(4.09%** comparison)
Up to

85%

loan-to-value ratio (LVR)

ABN registration from 12 months and 1 day GST registration

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

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

Alt Doc

Rates from

4.19%*

(4.53%** comparison)
Up to

85%

loan-to-value ratio (LVR)

ABN registration from 12 months and 1 day GST registration

Prove self-employed income using last 6 months' business bank statements or BAS

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

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.

If you have some credit impairments on your record, our Specialist product may be able to help you get back on your feet financially with more extensive refinancing options and simplified documentation requirements.

Product Features

Full Doc

Rates from

4.89%*

(5.24%** comparison)
Up to

80%

loan-to-value ratio (LVR)

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

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

Discharged bankruptcies over 2 years old can be ignored

Alt Doc

Rates from

5.44%*

(5.79%** comparison)
Up to

80%

loan-to-value ratio (LVR)

Prove self-employed income using last 6 months' business bank statements or BAS

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

Discharged bankruptcies over 2 years old can be ignored

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 that might be right for you if you've been struggling to obtain finance because of previous credit issues, bankruptcy or defaults.

Product Features

Full Doc

Rates from

6.29%*

(6.69%** comparison)
Up to

75%

loan-to-value ratio (LVR)

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

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

Discharged bankruptcies over 2 years old can be ignored

Alt Doc

Rates from

6.89%*

(7.27%** comparison)
Up to

75%

loan-to-value ratio (LVR)

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

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

Prove self-employed income using last 6 months' business bank statements or BAS

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

Not sure which loan is right for you?

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

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.

Liza O, 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

Bluestone made the whole experience absolutely painless.

Steve W, NSW

I wouldn't hesitate to recommend Bluestone to anyone requiring a home loan.

Leanne D, QLD

I would recommend Bluestone to anyone with out-of-the-norm home loan needs.

Cory D, QLD
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