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.
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.
What fixed rates do you offer?
What fixed rates do you offer?
Currently we only offer variable rates. Find out what rate you’d likely get by chatting to your broker.
What is your loan eligibility criteria?
What is your loan eligibility criteria?
As a non-bank lender, we generally have more flexible eligibility criteria than the traditional big banks.
Being a non-bank lender, we have the opportunity to provide flexible lending solutions that suit people who are self-employed, have low-documentation or alternative income, as well as those who may even have an imperfect credit history.
Do you have unconditional approval?
Do you have unconditional approval?
Yes, unconditional approval is when you have applied and been approved for a loan. Unlike pre-approval, unconditional approval is a guarantee that you will be able to borrow a certain amount.
Do you offer interest-only terms?
Do you offer interest-only terms?
We sure do! You can choose between principal and interest or interest only repayments. Check with your broker or adviser for which option is best for you.
How does Bluestone consider second mortgages?
How does Bluestone consider second mortgages?
Bluestone does not currently offer second mortgages.
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.
