Owner Occupier Home Loans
We make owning a home possible for those brave and curious enough to start their own business, have incredible aspirations or unique paths but still determined to create a fantastic life.
Discover our flexible approach
No LMI
Flexible
Tailored
Fast
Get to know a
Bluestone home loan
- Unlimited cash out and debt consolidation³
- Low doc and alt doc application options
- Fee-free offset sub-account and redraw
- Non-rental income serviced at 100%
- Vacant land considered
The low-down on our loans
Ideal for self-employed borrowers or those with non-traditional income. We accept alternative documents for income verification like:
- 6 months business activity statements (BAS)
- 6 months business bank statements
- Accountant’s letter
- Tax returns
$3 million
90%
5 years
30 years
$3 million
80%
5 years
30 years
To be eligible for a Bluestone Residential Construction Loan, you’ll need to be an Australian resident over the age of 18, and meet other eligibility and approval criteria.
Ready to crunch the numbers?
Understanding the financial impact of your potential new loan will help plan your budget, alongside your expenses.
Your latest market insights
Our curated selection of the latest market insights, guides and tactics to help achieve your property ambitions.
Testimonials
What borrowers 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.
The Legal Bits
To be eligible for a Bluestone Home Loan, you’ll need to be an Australian resident with a credit profile over the age of 18.
1Full 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.
2Comparison 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.
3The 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.