Owner Occupier Home Loans
We make owning a home possible for those that are capable of the remarkable, those brave and curious enough to start their own business, have incredible aspirations or unique paths but still determined to create a fantastic life.
Variable rates
starting from 7.29% p.a.
What we offer
- Flexible income verification
- Options for borrowers with imperfect credit
- No Lenders Mortgage Insurance (LMI)
- Up to 90% Loan to value Ratio (LVR)^
Principal + Interest Owner Occupier Rates at a glance
| Prime Clear credit & strong employment history | Near Prime Flexible income verification with good credit | Specialist Debt consolidation & imperfect credit | Specialist+ Poor credit history or recent judgments | |
| Rates from | 7.29% – 8.69% p.a.* | 7.64% – 9.34% p.a.* | 8.54% – 10.04% p.a.* | 9.59% – 10.04% p.a.* |
| Comparison Rates | 7.50% – 9.01% p.a.** | 7.96% – 9.85% p.a.** | 8.89% – 10.56% p.a.** | 9.98% – 10.56% p.a.** |
| LVR up to | 90% | 90% | 85% | 80% |
| Borrow up to^ | $100k – $3M | $100k – $3M | $100k – $2.5M | $100k – $2.5M |
Check out our full rates and fees, inlcuding Interest Only rates
View our rates*Full Doc Principal and Interest Rates displayed as an example. Rates vary depending on a number of factors including individual credit risk, stability of income, LVR, the length of the term of a loan, the amount borrowed, the purpose of the loan and prevailing market conditions. All interest rates quoted are for new business only, are expressed as a nominal annual percentage rate and are subject to change.
**Comparison rate: Any comparison rate displayed is based on secured credit of $150,000 over a term of 25 years. 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.
^The amount that may be borrowed is subject to eligibility and approval criteria. The final loan amount is determined based on the applicant’s creditworthiness, income, existing debt, and other financial factors.
Eligibility criteria
To be eligible for a Bluestone Home Loan, your client needs to:
- Be over 18
- Be an Australian citizen
- Have a credit profile
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.
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.
