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 13 May 2026, are provided as a guide only and subject to change. These rates do not reflect any special offers or applicable rate loadings~. Speak to your broker to better understand your personal rate.
Residential Home Loan - Owner Occupier
| Principal & Interest | Traditional income verification | Flexible income verification |
|---|---|---|
| Rates from | 6.84% p.a. | 7.04% p.a. |
| Comparison rates from* | 7.05% p.a. | 7.25% p.a. |
| Max LVR | 90% | 90% |
Residential Home Loan - Investor
| Principal & Interest | Traditional income verification | Flexible income verification |
|---|---|---|
| Rates from | 7.14% p.a. | 7.34% p.a. |
| Comparison rates from* | 7.35% p.a. | 7.55% p.a. |
| Max LVR | 90% | 90% |
Loan setup fees
These are fees which may be 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 Type | Amount |
|---|---|
| Loan Settlement Fee | $120 |
| Legal Fee | From $400 |
| Establishment Fee |
$590 – $990 |
| Title Protection Fee | Up to $350 |
| Valuation Fee | By quote (First $400 covered by us) |
| 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 Keeping Fee | $15 |
| Loan Variation Fee | From $250 |
| Discharge Fee | $500 |
*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.
~Rate loadings are adjustments made to the base interest rate depending on the loan type, amount or features such as interest only. Your final interest rate is calculated on the base rate plus any applicable loadings. Confirm with your broker whether a rate loading applies.
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 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 shown here are correct as at 13 May 2026, are provided as a guide only and subject to change. These rates do not reflect any special offers or applicable rate loadings~. Speak to your broker to better understand your personal rate.
Construction Home Loan
| Interest Only | |
|---|---|
| Rates from | 8.39% p.a. |
| Comparison rates from* | 8.78% p.a. |
| Max LVR | 80% |
Loan setup 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 Type | Amount |
|---|---|
| Loan Settlement Fee | $120 |
| Legal Fee | From $400 |
| Establishment Fee |
$990 – $1,390 |
| Valuation Fee | By quote (First $400 covered by us) |
| 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 Keeping Fee | $15 |
| Loan Variation Fee | From $250 |
| Discharge Fee | $500 |
*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.
~ Rate loadings are adjustments made to the base interest rate depending on the loan type, amount or features such as interest only. Your final interest rate is calculated on the base rate plus any applicable loadings. Confirm with your broker whether a rate loading applies.
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 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 shown here are correct as at 13 May 2026, are provided as a guide only and subject to change. These rates do not reflect any special offers or applicable rate loadings~. Speak to your broker to better understand your personal rate.
Expat Home Loan
| Principal & Interest | |
|---|---|
| Rates from | 7.39% p.a. |
| Comparison rates from* | 7.66% p.a. |
| Max LVR | 80% |
Loan setup 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 Type | Amount |
|---|---|
| Loan Settlement Fee | $120 |
| Legal Fee | From $400 |
| Establishment Fee | $590 |
| Valuation Fee | By quote (First $400 covered by us) |
| 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 Keeping Fee | $15 |
| Loan Variation Fee | From $250 |
| Discharge Fee | $500 |
*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.
~ Rate loadings are adjustments made to the base interest rate depending on the loan type, amount or features such as interest only. Your final interest rate is calculated on the base rate plus any applicable loadings. Confirm with your broker whether a rate loading applies.
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 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 shown here are correct as at 13 May 2026, are provided as a guide only and subject to change. These rates do not reflect any special offers or applicable rate loadings~. Speak to your broker to better understand your personal rate.
Commercial Property Loan
| Principal & Interest | Traditional income verification | Flexible income verification |
|---|---|---|
| Rates from | 8.04% p.a. | 8.64% p.a. |
| Comparison rates from* | 8.30% p.a. | 8.92% p.a. |
| Max LVR | 80% | 80% |
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Loan setup 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 Fee | $120 |
| Legal Fee | From $400 |
| Document Vetting Fee | $525 |
| Valuation Fee | By quote |
| Application 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 Keeping Fee | $15 |
| Loan Variation Fee | From $250 |
| Discharge Fee | $500 |
|
Early Repayment Fee (if discharged within 3 years)
|
2.0% of original loan amount |
*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.
~Rate loadings are adjustments made to the base interest rate depending on the loan type, amount or features such as interest only. Your final interest rate is calculated on the base rate plus any applicable loadings. Confirm with your broker whether a rate loading applies.
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 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 shown here are correct as at 13 May 2026, are provided as a guide only and subject to change. These rates do not reflect any special offers or applicable rate loadings~. Speak to your broker to better understand your personal rate.
SMSF Residential Loan
| Principal & Interest | |
|---|---|
| Rates from | 7.09% p.a. |
| Comparison rates from* | 7.36% p.a. |
| Max LVR | 80% |
SMSF Commercial Property Loan
| Principal & Interest | |
|---|---|
| Rates from | 7.74% p.a. |
| Comparison rates from* | 8.02% p.a. |
| Max LVR | 80% |
Loan setup 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 | SMSF Residential Loan | SMSF Commercial property Loan |
|---|---|---|
| Loan Settlement Fee | $120 | $120 |
| Legal Fee | From $550 | From $550 |
| Document Vetting Fee | $800 | $1,300 |
| Valuation Fee | By quote (First $400 covered by us) | By quote |
| Application Fee | $0 | 1% of total borrowed amount |
| Establishment Fee | $590 | $0 |
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 Keeping Fee | $15 |
| Discharge Fee | $500 |
*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.
~Rate loadings are adjustments made to the base interest rate depending on the loan type, amount or features such as interest only. Your final interest rate is calculated on the base rate plus any applicable loadings. Confirm with your broker whether a rate loading applies.
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 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.