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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.

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.