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Online Credit Policy

All the information you need, at your fingertips

Welcome to Bluestone's Online Credit Policy.

This comprehensive, fully searchable portal contains all the information our underwriters use to assess your applications.

What's new?

6 August 2020

Industry Restrictions

For Prime full doc applications in all states and territories other than Victoria, we have resumed lending to PAYG borrowers working in the following industries:

  • tourism
  • hospitality
  • entertainment/arts
  • retail.

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23 July 2020

LVR Restrictions

We have re-introduced our 85% LVR tier in Sydney and Melbourne metro areas on our Prime full doc product at a 3.24% rate (3.47% comparison). No risk fees or LMI apply.

LVR restrictions have also changed in certain non-metro locations across Australia. Use the ASL calculator on our website for LVR restrictions in your area.

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Maximum Loan Amount

We have reviewed and increased maximum loan amounts in certain non-metro areas across Australia. Use the ASL calculator on our website to see how much we can lend in your area.

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6 July 2020

Industry Restrictions

We have resumed lending to self-employed borrowers working in the following industries - tourism, hospitality, entertainment/arts, and retail.

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Rental Income

On a case-by-case basis we will now accept future rental income for investment properties purchased with Bluestone. Please discuss any scenarios with your BDM.

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We now accept 100% overtime across all Near Prime, Specialist and Specialist+ applications.

For Prime, we can accept 100% if overtime is a condition of employment and evidenced for 2 years; all other applications will be assessed at 50% overtime, regardless of industry.

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