I've got different circumstances
We’re flexible with the kinds of income we accept, including Government assistance payments, plus we offer unlimited debt consolidation... whatever life has thrown at you, we're open to considering your circumstances.
What we offer
- Flexible lending criteria
- Flexibility with income verification
- Flexible employment history accepted
- Past bankruptcy, credit card, personal loan and mortgage defaults considered
- No credit scoring
- Unlimited debt consolidation, including ATO debt and business loans
Home loans for more Aussies
We’ve helped thousands of Aussies realise their property goals
Owner occupier
Realise your dream of owning a home with our tailored solutions, even if your circumstances differ from traditional bank standards
Investment property
Being self-employed or having imperfect credit shouldn’t close the door on the opportunity to grow your wealth
SMSF Investment
Take charge of your retirement goals. Find out how you can use your SMSF to invest in property.
Why Bluestone Home Loans?
Fast
Don't miss out on the perfect property. No more waiting for weeks for a decision.
Flexible
Each application is assessed and considered by our lending specialists.
Simple
Our expert team make even the most complex application an easy process.
No LMI
Borrow up to 90% LVR* without lenders mortgage insurance.
Speak to an accredited broker
Currently our home loans are only available through an accredited broker. Share your details and we’ll point you in the right direction to find the best loan fit for you.
Helpful home loan tools and guides
Designed to help you better understand home loan rates, fees, repayments and lingo
A few tips to help you get started
Discover tools, tips and insights to understand everything the home loan process, managing your loan, proper investment, and more.
Home loan basics, Property investment, Self-employed home loans, The home loan process
Looking to Purchase a Home or Investment Property in 2025?
What Our Customers Are Saying
What customers and brokers love about Bluestone
Have Questions?
We’re always here to help! Check out our full list of FAQs or get in touch with our team.
Am I eligible for a Bluestone home loan?
Am I eligible for a Bluestone home loan?
To be eligible for a Bluestone home loan you need to be:
- An Australian citizen or permanent resident living in Australia
- Over 18 years old
- Employed (includes self-employed)
- Buying or refinancing an established residential property – not off the plan or construction
- An owner occupier or investor (your loan purpose will affect your rates)
- Looking to borrow between $100,000 and $3m.
Does Bluestone charge lender’s mortgage insurance?
Does Bluestone charge lender’s mortgage insurance?
At Bluestone, we don’t charge lender’s mortgage insurance (LMI), however we do charge a risk fee on some of our products.
Does Bluestone offer line of credit?
Does Bluestone offer line of credit?
Yes. We offer a line of credit of up to $500,000 on Prime and and Near Prime full doc and $200,000 on other products except for Specialist +.
Can I get a home loan if I’m bankrupt?
Can I get a home loan if I’m bankrupt?
Depending on your circumstances you may be able to get a home loan if you have a previous bankruptcy. Our Specialist and Specialist+ products are intended to help borrowers who are recovering from previous difficulties. Find out more here or call us on 13 25 83 to talk to a loan specialist about your individual situation.
Ready to get started?
Currently our home loans are only available through an accredited broker. Share your details and we’ll point you in the right direction.
