Residential Investor Loans
Are you a seasoned investor growing your property portfolio or thinking about buying an investment property? Our flexible approach may be all it takes to get you reaching your investment goals.
Variable rates
starting from 7.59%^
^Headline rate shown. Excludes any current offers
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 Residential Investor 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 | 7.59% – 8.99% p.a.* | 7.94% – 9.64% p.a.* | 8.84% – 10.34% p.a.* | 9.89% – 10.34% p.a.* |
| Comparison Rates | 7.80% – 9.31% p.a.** | 8.26% – 10.16% p.a.** | 9.19% – 10.87% p.a.** | 10.28% – 10.87% 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
*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.
Are investment home loan rates higher?
Are investment home loan rates higher?
Generally speaking, yes, investment home loan rates are commonly higher than rates for homes you live in. This is mainly because there’s more risk for lenders with investment properties.
What is the minimum LVR for a residential investment loan?
What is the minimum LVR for a residential investment loan?
At Bluestone, you can have up to a 90% LVR, if you meet our lending criteria for that threshold.
Can you claim interest on an investment loan?
Can you claim interest on an investment loan?
To determine what you can and cannot claim on your tax return, it’s best if you seek advice from a financial advisor.
Do you offer interest-only terms on investment property loans?
Do you offer interest-only terms on investment property loans?
Yes! Like our owner occupier loans, Borrowers can choose between interest only and principal + interest repayment options for their investment loans also. We recommend speaking to your broker about which option is best for you.
Do you offer loans which consider home equity?
Do you offer loans which consider home equity?
Bluestone does not currently offer any home equity loans.
Can we change our owner-occupied loan to an investment loan?
Can we change our owner-occupied loan to an investment loan?
Yes, of course! Reach out to our customer team here to request the change https://bluestone.com.au/contact-us/
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.
