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)
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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

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 Solutions

Home loan basics

The Ultimate Borrower’s Guide to LVR

Home Loan Solutions

Managing your loan

Help Guide for managing your Bluestone account online

Home Loan Solutions

The home loan process

Finding the right broker

What Our Customers
Are Saying

What customers and brokers
love about Bluestone

Bluestone made the whole experience absolutely painless.

Steve W, NSW

29 September, 2022

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Bluestone's customer service is definitely something which other institutions should be striving for.

Neil B, NSW

8 June, 2023

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After being refused by banks, Bluestone was the only one to take the time to evaluate our individual circumstances

Andrea S, NSW

23 September, 2023

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I would recommend Bluestone to anyone with out-of-the-norm home loan needs.

Cory D, QLD

16 December, 2023

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I wouldn't hesitate to recommend Bluestone to anyone requiring a home loan.

Leanne D, QLD

4 March, 2024

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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?

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?

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?

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?

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.

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