Owner occupier
Realise your dream of owning a home with our tailored solutions, even if your circumstances differ from traditional bank standards.
I've got unique circumstances
We’re flexible with the kinds of income we accept, including Government assistance payments, plus we offer unlimited debt consolidation… whatever life has thrown at you, we’re open to considering your circumstances.
What we offer
Flexible lending criteria
- Flexibility with income verification
- Flexible employment history accepted
- Past bankruptcy, credit card, personal loan and mortgage defaults considered
Unlimited debt consolidation, including ATO debt and
business loans
Home loans for more Aussies
We’ve helped thousands of Aussies realise their property goals
Investment property
Being self-employed or having imperfect credit shouldn’t close the door on the opportunity to grow your wealth.
SMSF investment
Take charge of your retirement goals. Find out how you can use your SMSF to invest in property.
Helpful home loan tools & guides
Designed to help you better understand home loan rates, fees, repayments and lingo
Home loan repayment calculator
Estimate your monthly repayments in minutes.
Home Loan Guide
Simple explanations, practical tips and answers to common home loan questions.
Speak to an accredited broker
Currently our home loans are only available through an accredited broker. Share your details and we’ll point you in the right direction to find the best loan fit for you.
What borrowers love about Bluestone
Read all testimonialsHome loan guides & insights
Everything from repayments to refinancing, minus the complicated bits.
Construction
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…
Commercial
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…
Commercial
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…
Construction
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…
Self-employed
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.
Self-employed
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.
Commercial
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…
Commercial
10 September, 2026
Commercial property loans for self-employed Australians
Self-employed Australians can apply for commercial property loans to purchase business premises, warehouses, retail spaces or commercial investment properties. While the application process may involve additional financial documentation, many lenders understand that business owners often earn…
Construction
4 September, 2026
Loans for building your dream home
Building your dream home means creating a space that’s uniquely yours, from the layout and finishes to the features that matter most to your family.
In case you missed anything
We’re always here to help! Check out our full list of FAQs.
- 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.