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12 November, 2026
How redraw works
A redraw facility lets you access any additional repayments you’ve made on your home loan, above your required minimum repayments.
Resources
Browse our library of handy tips, guides and expert insights designed to assist you at any stage of your property journey.
Calculators
Designed to assist you at any stage of your home loan journey
Repayment calculator
How much do I need to repay each month and how do I calculate it?
LVR calculator
How much deposit do I need?
Your latest market insights
Our curated selection of the latest market insights, guides and tactics to help achieve your property ambitions.
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12 November, 2026
How an offset account works
An offset account is a separate account linked to your home loan. The money you keep in your offset account helps reduce the amount of interest charged on your loan.
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19 October, 2026
How to get a construction loan when you’re self-employed
Are you self-employed? Wondering if you may be eligible for a construction loan? Worried about the income verification requirements? Eligible borrowers applying for a Bluestone Home Loans Alt Doc construction…
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18 October, 2026
Buying commercial property through your SMSF: How it works
Using a self-managed super fund (SMSF) to purchase commercial property is an option many Australians consider as part of their retirement investment strategy. While SMSFs can invest in commercial property…
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17 October, 2026
Commercial property loans for self-employed borrowers
Running your own business often means thinking differently about property ownership. Whether you’re purchasing premises for your business, expanding your investment portfolio, or refinancing an existing commercial property, securing finance…
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16 October, 2026
Renovate or rebuild? Financing a major renovation in Australia
Renovating may be the more attractive option if your home has a sound structure, suits your location and can accommodate the changes you need. Rebuilding may make more sense when…
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15 October, 2026
Refinancing your home loan when you’re self-employed
If you’re self-employed, refinancing your home loan can feel more complicated than it should.
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18 September, 2026
Self-employed and wanting a home loan? Here’s what the research says
Running your own business shouldn’t mean putting your property goals on hold. Yet many self-employed Australians still wonder if getting a home loan will be harder because they work for themselves.
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11 September, 2026
Buy, refinance or grow? When to use a commercial property loan
A commercial property loan can help fund the purchase of a business premises, refinance existing commercial debt, unlock equity or invest in commercial real estate. The right option depends on your goals, business needs and…
In case you missed anything
We’re always here to help! Check out our full list of FAQs.
- Can I get a home loan if I’ve been bankrupt?
In some cases, yes. We look at your situation as a whole, not just your past. If you’re back on track, there may be options to explore.
Have a chat with your mortgage broker, they can help you understand what could be possible based on where you’re at today.
- 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.
- 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.