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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.

At Bluestone, we don’t charge lender’s mortgage insurance (LMI), however we do charge a risk fee on some of our products.

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 +.

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.