Frequently Asked Questions

We offer a range of home loans for owner-occupiers and property investors, including borrowers who are self-employed or need an alternative way to prove their income.

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, it is! You can find more information about our offset account here.

Absolutely! Many of our customers are self-employed and we offer a few different ways for you to prove your income for a self-employed home loan using tax returns, BAS statements, business bank statements and more.

It is possible to get a home loan with bad credit, depending on the circumstances. At Bluestone we have loans designed specifically for borrowers who are recovering from previous financial difficulties. Get in touch with our friendly team to chat about your situation and find out if we can help.

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.