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Home Loan Products

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

Fixed rates from as low as 2.99% p.aˆ (3.26% p.a comparison rate)**

Prime

A Competitive home loan for borrowers with clear credit and strong employment history.

Prime is the go-to home loan solution for PAYG and self-employed customers with clear credit. Customers will benefit from our streamlined document requirements, simplified income verification and competitive rates in this product.

Product Features

Competitive variable interest rates from 3.09% p.a* (3.36% p.a comparison rate**)

No risk fees on full doc loans

Short-term and casual employment accepted

Release up to $500,000 of equity

Consolidate up to $100,000 unsecured debt

Self-employed verification through TWO of the following: 6 months’ business activity statements, 6 months’ business bank statements, accountant’s letter

Borrow up to 85% LVR without paying Lenders Mortgage Insurance (LMI)

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

Near Prime

A Simple home loan for clear credit borrowers who don’t quite fit the qualifying criteria for our prime product.

Near Prime is a competitive loan for clear credit borrowers who don’t quite meet the requirements to be eligible for Prime. Near Prime offers more options for refinancing, and accepts more forms of income types and verification documents.

Product Features

Variable interest rates from 3.99% p.a* (4.36% p.a comparison rate**)

Short term and casual employment accepted

ABN registration from 24 months and 1 day GST registration

Only 1 year's tax return required for full doc income verification

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

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

Release up to $500,000 of equity

Borrow up to 85% LVR without paying Lenders Mortgage Insurance (LMI)

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.

Our Specialist product can help credit impaired borrowers get back on their 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 customers' circumstances.

Product Features

Variable interest rates from 5.99% p.a* (6.36% p.a comparison rate**)

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

Minor mortgage arrears accepted (less than 1 month within 6 months)

Unlimited debt consolidation

Discharged bankruptcies over 2 years old can be ignored

Release up to $200,000 of equity

Borrow up to 85% LVR without paying Lenders Mortgage Insurance (LMI)

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 for borrowers who may be unable to obtain finance due to 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 customers' circumstances.

Product Features

Variable interest rates from 6.54% p.a* (6.95% p.a comparison rate**)

Mortgage arrears less than 3 months accepted

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

Unlimited debt consolidation

Discharged bankruptcies over 2 years old can be ignored

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

Borrow up to 80% LVR

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

 

ˆFixed interest rates range from 2.99% to 8.39% p.a (3.26% to 8.94% comparison rates).

*Variable interest rates range from 3.09% to 8.49% p.a. (3.36% to 9.04% p.a comparison rates). Rates are correct as at 4 November 2019 and subject to change at any time.

**Comparison rates are based on secured credit of $150,000 and a term of 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

How can Bluestone help you help more customers?

Bluestone’s loans are designed to be more flexible than those of mainstream lenders. Our customers come from all walks of life, so instead of trying to fit them into predefined boxes, we assess their applications on a case by case basis to find the loan that best fits their needs.

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 demonstrating serviceability when it comes to applying for a loan. Some of our customers have had credit problems, and to them we offer an open mind and an understanding approach.

Customer Success Stories

Marie A, QLD

Bluestone offered me a range of options as to how they could help me.

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