Specialist Full Doc

Interest rates from 4.39%*(4.67%** comparison rate)

Specialist Full Doc
Interest rates from 4.39%* (4.67%** comparison rate)

Specialist Full Doc
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.

No automated credit scoring - we take the time to assess each application on a case-by-case basis to fully understand your circumstances.

How to prove your income

PAYG: 2 most recent pay slips + matching salary credits in your bank account

Self-employed: Most recent tax return and Notice of Assessment (NOA) + last 3 months' business bank statements or business activity statements (BAS)

Your personal loan consultant may request further documents depending on your specific situation.

Looking for other documentation options?

Product Features

Interest rates from 4.39% p.a.* (4.67% p.a. comparison rate**)

Borrow up to 85% LVR without paying Lender's Mortgage Insurance (LMI)

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

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

Release up to $200,000 of equity

Discharged bankruptcies over 2 years old can be ignored

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

Prime Full Scenario

A Specialist success story


Chloe recently finalised a difficult divorce, and continues living in the family home with her three young foster children.

She's ready to refinance to remove her ex-husband from the title. Unfortunately, during the separation her ex ran up a lot of credit card debt on their joint accounts, and she has two defaults for $200 and $600 on her record from a little over 2 years ago.

Chloe's personal loan consultant asked her foster agency to provide a letter to confirm her carer allowance, which she had received for over 4 years.

Between her casual income from the local butcher, where she's worked for 5 years, and her carer's allowance, Chloe was able to prove she could afford her loan, and successfully refinanced to become sole owner of her home.

Case studies are for illustrative purposes only.

This is what our customers are saying...

Cherie O, NSW
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.

Maris E, QLD
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!!

Liza O, 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.

Steve W, NSW
Steve W, NSW

Bluestone made the whole experience absolutely painless.

Leanne D, QLD
Leanne D, QLD

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

Timer Icon

Find you Fit

Love the sound of Specialist Full Doc?

Tell us a bit more about the loan you're after to see your individual indicative interest rate and get matched with your personal loan consultant.

Things we'll ask about:

  1. The purpose of your home loan
  2. The approximate value and location of the property
  3. The size of your deposit or existing equity

Please note Find your Fit only confirms that your loan goals and property likely fall within Bluestone's credit policy, and does not constitute pre-approval for a loan. Your personal loan consultant will help you determine if you want to proceed with an application.


Repayment Calculator

Calculate how much you may be able to borrow

{{rate | number:2}}%
{{amount | currency}}
{{years}} years
{{repayment | currency}}
{{ioTermPayments | currency}}
{{totalInterest | currency}}
{{totalPayments | currency}}

Note: The results from this calculator should be used as an indication only. Repayments are not inclusive of a $15 administration
fee, payable each month per loan split on some of our products. Results do not represent either quotes or pre-qualifications for a loan. Bluestone may not provide loans according to all repayment scenarios achievable in this calculator. The specific details of a loan will be provided in the loan contract.