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Following the RBA’s cash rate increase, variable rates for eligible customers will increase by 0.25% p.a. effective 10 Nov 2026.More information here.

What is full doc and alt doc?

When you apply for a home loan, you need to show your lender documentation to prove your income. Full doc, alt doc and low doc home loans refer to the type of income verification you use:

Full doc is when you have access to fully verified forms of evidence to prove your income (tax returns, notice of assessments, income statements).

Alt doc (also called low doc) is an alternative way to prove your income when you don’t have access to fully verified means. At Bluestone we have a number of flexible alt doc options for borrowers including business activity statements, business bank statements and/or accountants letters.

Read more about the differences between full doc, alt doc and low doc home loans here.

In case you missed anything

We’re always here to help! Check out our full list of FAQs.

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  • 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.

  • 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.

  • 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.

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