Our Rates & Fees
Here’s a guide to Bluestone’s home loan rates and fees, so you know what to expect, whether you’re buying, refinancing or investing.
Rates shown here are correct as at 11 February 2026, are provided as a guide only and subject to change. These rates do not reflect any special offers. Speak to your broker to better understand your personal rate.
Homes to live in
| Principal & Interest | Traditional income verification | Flexible income verification |
|---|---|---|
| Rates from | 6.34% p.a. | 6.54% p.a. |
| Comparison rates from* | 6.56% p.a. | 6.76% p.a. |
| Max LVR | 90% | 90% |
Homes to invest in
| Principal & Interest | Traditional income verification | Flexible income verification |
|---|---|---|
| Rates from | 6.64% p.a. | 6.84% p.a. |
| Comparison rates from* | 6.86% p.a. | 7.05% p.a. |
| Max LVR | 90% | 90% |
Potential loadings
Loadings are adjustments that may be added to the base interest rate depending on the loan type or features. Your final rate is the base rate plus any applicable loadings. For details on whether these apply to you, speak with your broker.
| Loading | Rate |
|---|---|
| Large loan $2-3m | 0.5% p.a. |
| Large loan $3-5m | 1.0% p.a. |
| Interest Only | 0.3% p.a. |
Loan set up fees
These are fees which are payable before or on settlement, covering things like application processing, property valuation, and legal documentation. These fees may be added to the principal loan amount on settlement, subject to the total principal loan amount, inclusive of fees, not exceeding the maximum LVR for the product. Other costs may apply, and fees may be subject to change.
| Fee | Amount |
|---|---|
| Loan settlement | $120 |
| Legal fee | From $400 |
| Establishment fee |
$590 (Prime borrowers) $990 (Other borrowers) |
| Title Protection fee | $350 |
| Valuation fee | By quote |
| Risk fee^ |
Up to 3%
of total borrowed amount
|
Other potential fees and charges
These are fees that may apply during the life of your loan, such as monthly account fees or charges for making variations to your loan. There may be other fees, like dishonour fees that are not listed here. Please refer to your loan agreement for full list of fees.
| Fee Type | Amount |
|---|---|
| Monthly account fee | $15 |
| Loan variation fee | $250 |
| Discharge fee | $500 |
The information provided is general in nature and is not intended to be financial advice. It does not take into account your requirements, objectives or financial situation. Loans are serviced by Bluestone Servicing Pty Ltd ACN 122 698 328 (Australian Credit Licence 390183) for Permanent Custodians Ltd (ACN 001 426 384). All loans are subject to suitability and credit assessment. Fees, terms, conditions, and lending criteria apply.
Rates offered will vary depending on a number of factors including individual credit risk, stability of income, LVR, loan term, amount borrowed, purpose of the loan and prevailing market conditions. All interest rates quoted are for new loans only and are subject to change. During an interest only period, your interest only payments will not reduce your loan balance, which means you may pay more interest over the life of the loan.
*Comparison rates displayed are calculated on secured loan of $150,000 over a term of 25 years. Comparison rates are calculated based on the maximum interest only period available for the product. 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 a different comparison rate.
^Risk Fees may apply, depending on the LVR. Risk Fees are calculated as a percentage of the total loan amount (excluding capitalised fees) and are added to the principal loan amount at settlement.
Rates shown here are correct as at 11 February 2026, are provided as a guide only and subject to change. These rates do not reflect any special offers. Speak to your broker to better understand your personal rate.
Residential construction
| Principal & Interest | Traditional and flexible income verification |
|---|---|
| Rates from | 7.89% p.a. |
| Comparison rates from* | 8.28% p.a. |
| Max LVR | 80% |
Potential loadings
Loadings are adjustments that may be added to the base interest rate depending on the loan type or features. Your final rate is the base rate plus any applicable loadings. For details on whether these apply to you, speak with your broker.
| Loading | Rate |
|---|---|
| Large loan $2-3m | 0.5% p.a. |
| Large loan $3-5m | N/A |
Loan set up fees
These are fees which are payable before or on settlement, covering things like application processing, property valuation, and legal documentation. These fees may be added to the principal loan amount on settlement, subject to the total principal loan amount, inclusive of fees, not exceeding the maximum LVR for the product. Other costs may apply, and fees may be subject to change.
| Fee | Amount |
|---|---|
| Loan settlement | $120 |
| Legal fee | From $400 |
| Establishment fee |
$990 (Prime borrowers) $1,390 (Near-Prime borrowers) |
| Valuation fee | By Quote |
| Risk fee^ |
Up to 1.25%
of total borrowed amount
|
Other potential fees and charges
These are fees that may apply during the life of your loan, such as monthly account fees or charges for making variations to your loan. There may be other fees, like dishonour fees that are not listed here. Please refer to your loan agreement for full list of fees.
| Fee Type | Amount |
|---|---|
| Monthly account fee | $15 |
| Loan variation fee | $250 |
| Discharge fee | $500 |
The information provided is general in nature and is not intended to be financial advice. It does not take into account your requirements, objectives or financial situation. Loans are serviced by Bluestone Servicing Pty Ltd ACN 122 698 328 (Australian Credit Licence 390183) for Permanent Custodians Ltd (ACN 001 426 384). All loans are subject to suitability and credit assessment. Fees, terms, conditions, and lending criteria apply.
Rates offered will vary depending on a number of factors including individual credit risk, stability of income, LVR, loan term, amount borrowed, purpose of the loan and prevailing market conditions. All interest rates quoted are for new loans only and are subject to change. During an interest only period, your interest only payments will not reduce your loan balance, which means you may pay more interest over the life of the loan.
* The comparison rate displayed is calculated on secured loan of $150,000 over a term of 25 years. This comparison rate is calculated based on the maximum interest only period available for the product. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
^Risk Fees may apply, depending on the LVR. Risk Fees are calculated as a percentage of the total loan amount (excluding capitalised fees) and are added to the principal loan amount at settlement.
Rates shown here are correct as at 11 February 2026, are provided as a guide only and subject to change. These rates do not reflect any special offers. Speak to your broker to better understand your personal rate.
Expat
| Principal & Interest | Traditional income verification |
|---|---|
| Rates from | 6.89% p.a. |
| Comparison rates from* | 7.16% p.a. |
| Max LVR | 80% |
Potential loadings
Loadings are adjustments that may be added to the base interest rate depending on the loan type or features. Your final rate is the base rate plus any applicable loadings. For details on whether these apply to you, speak with your broker.
| Loading | Rate |
|---|---|
| Large loan $2-3m | 0.5% p.a. |
| Large loan $3-5m | N/A |
| Interest Only | 0.3% p.a. |
Loan set up fees
These are fees which are payable before or on settlement, covering things like application processing, property valuation, and legal documentation. These fees may be added to the principal loan amount on settlement, subject to the total principal loan amount, inclusive of fees, not exceeding the maximum LVR for the product. Other costs may apply, and fees may be subject to change.
| Fee | Amount |
|---|---|
| Loan settlement | $120 |
| Legal fee | From $400 |
| Establishment fee | $590 |
| Valuation fee | By Quote |
| Risk fee^ |
Up to 0.50%
of total borrowed amount
|
Other potential fees and charges
These are fees that may apply during the life of your loan, such as monthly account fees or charges for making variations to your loan. There may be other fees, like dishonour fees that are not listed here. Please refer to your loan agreement for full list of fees.
| Fee Type | Amount |
|---|---|
| Monthly account fee | $15 |
| Loan variation fee | $250 |
| Discharge fee | $500 |
The information provided is general in nature and is not intended to be financial advice. It does not take into account your requirements, objectives or financial situation. Loans are serviced by Bluestone Servicing Pty Ltd ACN 122 698 328 (Australian Credit Licence 390183) for Permanent Custodians Ltd (ACN 001 426 384). All loans are subject to suitability and credit assessment. Fees, terms, conditions, and lending criteria apply.
Rates offered will vary depending on a number of factors including individual credit risk, stability of income, LVR, loan term, amount borrowed, purpose of the loan and prevailing market conditions. All interest rates quoted are for new loans only and are subject to change. During an interest only period, your interest only payments will not reduce your loan balance, which means you may pay more interest over the life of the loan.
* The comparison rate displayed is calculated on secured loan of $150,000 over a term of 25 years. This comparison rate is calculated based on the maximum interest only period available for the product. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
^Risk Fees may apply, depending on the LVR. Risk Fees are calculated as a percentage of the total loan amount (excluding capitalised fees) and are added to the principal loan amount at settlement.
Rates shown here are correct as at 11 February 2026, are provided as a guide only and subject to change. These rates do not reflect any special offers. Speak to your broker to better understand your personal rate.
Commercial property
| Principal & Interest | Traditional income verification | Flexible income verification |
|---|---|---|
| Rates from | 7.54% p.a. | 7.89% p.a. |
| Comparison rates from* | 7.80% p.a. | 8.42% p.a. |
| Max LVR | 80% | 80% |
SMSF commercial property investment
| Principal & Interest | Traditional income verification |
|---|---|
| Rates from | 7.09% p.a. |
| Comparison rates from* | 7.37% p.a. |
| Max LVR | 80% |
Potential loadings
Loadings are adjustments that may be added to the base interest rate depending on the loan type or features. Your final rate is the base rate plus any applicable loadings. For details on whether these apply to you, speak with your broker.
| Loading | Rate |
|---|---|
| Large loan $2-3m | 0.5% p.a. |
| Large loan $3-5m | N/A |
| Interest Only | 0.0% p.a. |
Loan set up fees
These are fees which are payable before or on settlement, covering things like application processing, property valuation, and legal documentation. These fees may be added to the principal loan amount on settlement, subject to the total principal loan amount, inclusive of fees, not exceeding the maximum LVR for the product. Other costs may apply, and fees may be subject to change.
| Fee | Amount |
|---|---|
| Loan settlement | $120 |
| Legal fee |
From $400 |
| SMSF legal fee |
From $550 |
| Document vetting fee |
$525 |
| SMSF document vetting fee |
$1,300 |
| Valuation fee | By Quote |
| Application fee^ |
Up to 1.25% of total borrowed amount
|
| SMSF application fee^ |
1.00% of total borrowed amount
|
Other potential fees and charges
These are fees that may apply during the life of your loan, such as monthly account fees or charges for making variations to your loan. There may be other fees, like dishonour fees that are not listed here. Please refer to your loan agreement for full list of fees.
| Fee Type | Amount |
|---|---|
| Monthly account fee | $15 |
| Loan variation fee | $250 |
| Discharge | $500 |
|
Early repayment fee if discharged within 3 years
|
2.0% of original loan amount |
The information provided is general in nature and is not intended to be financial advice. It does not take into account your requirements, objectives or financial situation. Loans are serviced by Bluestone Servicing Pty Ltd ACN 122 698 328 (Australian Credit Licence 390183) for Permanent Custodians Ltd (ACN 001 426 384). All loans are subject to suitability and credit assessment. Fees, terms, conditions, and lending criteria apply.
Rates offered will vary depending on a number of factors including individual credit risk, stability of income, LVR, loan term, amount borrowed, purpose of the loan and prevailing market conditions. All interest rates quoted are for new loans only and are subject to change. During an interest only period, your interest only payments will not reduce your loan balance, which means you may pay more interest over the life of the loan.
*Comparison rates displayed are calculated on secured loan of $150,000 over a term of 25 years. Comparison rates are calculated based on the maximum interest only period available for the product. 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 a different comparison rate.
^Application Fees may apply, depending on the LVR. Application Fees are calculated as a percentage of the total loan amount (excluding capitalised fees) and are added to the principal loan amount at settlement.
Rates shown here are correct as at 11 February 2026, are provided as a guide only and subject to change. These rates do not reflect any special offers. Speak to your broker to better understand your personal rate.
Residential property investment
| Principal & Interest | Traditional income verification |
|---|---|
| Rates from | 6.84% p.a. |
| Comparison rates from* | 7.11% p.a. |
| Max LVR | 80% |
Commercial property investment
| Principal & Interest | Traditional income verification |
|---|---|
| Rates from | 7.34% p.a. |
| Comparison rates from* | 7.62% p.a. |
| Max LVR | 80% |
Potential commercial property loadings
Loadings are adjustments that may be added to the base interest rate depending on the loan type or features. Your final rate is the base rate plus any applicable loadings. For details on whether these apply to you, speak with your broker.
| Loading | Rate |
|---|---|
| Large loan $2-3m | 0.5% p.a. |
| Large loan $3-5m | N/A |
Loan set up fees
These are fees which are payable before or on settlement, covering things like application processing, property valuation, and legal documentation. These fees may be added to the principal loan amount on settlement, subject to the total principal loan amount, inclusive of fees, not exceeding the maximum LVR for the product. Other costs may apply, and fees may be subject to change.
| Fee | Amount |
|---|---|
| Loan settlement | $120 |
| Legal fee | From $550 |
| Residential establishment fee |
$590 |
| Valuation fee | By Quote |
| Commercial application fee^ |
1.00% of total borrowed amount
|
Other potential fees and charges
These are fees that may apply during the life of your loan, such as monthly account fees or charges for making variations to your loan. There may be other fees, like dishonour fees that are not listed here. Please refer to your loan agreement for full list of fees.
| Fee Type | Amount |
|---|---|
| Monthly account fee | $15 |
| Loan variation fee | $250 |
| Discharge fee | $500 |
The information provided is general in nature and is not intended to be financial advice. It does not take into account your requirements, objectives or financial situation. Loans are serviced by Bluestone Servicing Pty Ltd ACN 122 698 328 (Australian Credit Licence 390183) for Permanent Custodians Ltd (ACN 001 426 384). All loans are subject to suitability and credit assessment. Fees, terms, conditions, and lending criteria apply.
Rates offered will vary depending on a number of factors including individual credit risk, stability of income, LVR, loan term, amount borrowed, purpose of the loan and prevailing market conditions. All interest rates quoted are for new loans only and are subject to change. During an interest only period, your interest only payments will not reduce your loan balance, which means you may pay more interest over the life of the loan.
*Comparison rates displayed are calculated on secured loan of $150,000 over a term of 25 years. Comparison rates are calculated based on the maximum interest only period available for the product. 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 a different comparison rate.
^Application Fees may apply, depending on the LVR. Application Fees are calculated as a percentage of the total loan amount (excluding capitalised fees) and are added to the principal loan amount at settlement.