Eyeing a new property investment?
Whether you’re a seasoned property investor growing your portfolio or you’re making your first investment, our flexible approach can help you reach your investment goals.
Loan approved
$500,000
Discover our flexible approach
No LMI
Tailored
Flexible income
Fast
About our Residential Home Loans
- 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
Residential investor rates
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
$5 million
90%
5 years
40 years
$5 million
90%
5 years
40 years
Rates shown here are correct as at 17 August 2026, are provided as a guide only and subject to change. These rates do not reflect any special offers or applicable rate loadings~. To be eligible for a loan with us, you’ll need to be an Australian or New Zealand citizen or permanent 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.
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.
The Legal Bits
To be eligible for a loan with us, you’ll need to be an Australian or New Zealand citizen or permanent resident over the age of 18, and meet other eligibility and approval criteria. See the relevant Target Market Determination for further details.
~Rate loadings are adjustments made to the base interest rate depending on the loan type, amount or features such as interest only. Your final interest rate is calculated on the base rate plus any applicable loadings. Confirm with your broker whether a rate loading applies.
1Principal 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.
3 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.