Specialist+ Full Doc

Interest rates from 5.39%* (5.73%** comparison rate) 

Specialist+ Full Doc
Interest rates from 5.39%* (5.73%** comparison rate) 

Specialist+ Full Doc
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.

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 5.39% p.a.* (5.73% p.a. comparison rate**)

Borrow up to 80% LVR 

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

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

Discharged bankruptcies over 2 years old can be ignored

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

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 their relationship her ex ran up a lot of credit card debt on their joint accounts, and the high repayments made her default on a $2000 car repair bill 8 months ago.

Chloe's personal loan consultant was able to listen to Chloe's story and understand what happened. Because Chloe's employment income wasn't enough to repay the loan, the consultant also asked Chloe's 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 and consolidate some of her high-interest debt.

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.

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Find your 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

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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.