Bluestone Home Loans

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Our Loan Products

Simple. Flexible. Fast. Designed to fit more customers, more often.

Prime

The go-to home loan solution for PAYG and self-employed customers with clear credit.

Our Prime product offers PAYG or self-employed customers the flexibility they need, at competitive interest rates. We accept a range of income types, and for self-employed customers they can verify their income through a variety of options.

Product Features

  • Borrow up to $3m
  • Up to 90% LVR and no LMI
  • ABN 24 months, GST 12 months
  • Unlimited debt consolidation
  • Unlimited cash out where >$200k or 50% of value (evidence of purpose required)
  • No account keeping fees on full doc
  • Flexible employment criteria, including part time and casual
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Near Prime

A simple home loan for customers who require more flexibility.

Near Prime may be the best fit for PAYG or self-employed customers with clear credit, but don’t quite meet the requirements to be eligible for Prime. Near Prime offers more options for consolidating debt, with multiple ways to prove your self-employed income.

Product Features

  • Short term and casual employment accepted
  • ABN registration from 12 months and 1 day GST registration
  • Self-employed verification via 1 years’ tax return or alternative alt doc options
  • Judgements & defaults up to $2000 or older than 24 months old ignored
  • Unlimited debt consolidation, including ATO debt and loans from private lenders
  • Unlimited cash out where >$200k or 50% of value (evidence of purpose required)
  • Borrow up to 90% LVR without paying Lenders Mortgage Insurance (LMI)
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Specialist

A flexible home loan for customers getting back on their feet financially.

Our Specialist product can help customers get back on their feet financially with flexible options for refinance and debt consolidation, plus simplified documentation requirements.

No automated credit scoring – we assess each application on a case-by-case basis to fully understand the customer’s circumstances.

Product Features

  • Unlimited debt consolidation including ATO debt, business debt or privately funded loans
  • Unlimited cash out up to 80%, $200k > 80%
  • Discharged bankruptcies acceptable if more than 1 day
  • Judgements & defaults up to $2,000 or older than 12 months old ignored
  • Borrow up to 85% LVR without paying Lenders Mortgage Insurance (LMI)
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Specialist+

A home loan for customers who are recovering from financial difficulties

Specialist+ might be the right product for customers who find it hard to obtain finance due to previous credit issues, bankruptcy or defaults.

No automated credit scoring – we assess each application on a case-by-case basis to fully understand the customer’s circumstances.

Product Features

  • Can borrow up to $2m
  • Borrow up to 80% LVR
  • Unlimited cash out up to 80%, $200k > 80%
  • Unlimited debt consolidation including ATO debt, business debt or privately funded loans
  • Defaults/Judgements ignored
  • Discharged bankruptcies acceptable if more than 1 day
  • Part IX and X debt agreements can be paid out (with good repayment history)
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SMSF Residential Loan

Our Self Managed Superannuation Fund (SMSF) Residential Loan is simple to set up with SMSF compliance in mind. Customers will benefit from an SMSF focused streamlined application process as well as ongoing support from a specialist lender with 15 years’ SMSF lending experience.

Product Features

  • Borrow up to $1.5m
  • Suited to corporate trustees
  • For new purchases and refinances
  • Up to 80% LVR
  • Principal & Interest and Interest Only terms
  • Loan term of up to 30 years*
  • Up to 6 SMSF members
  • Split loans available
Find out more