Bluestone Mortgages Home Loans

Bluestone Mortgages Home Loans

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Everything you need to know about a Bluestone Mortgages Home Loan

Bluestone is a specialist non-bank lender focussed on assisting those who are unable to secure a loan through mainstream lenders. Bluestone, who has been around since 2000, has a range of products suitable for home buyers, self-employed business owners and PAYG borrowers. With a borrowing capacity of up to 85% and loan terms spanning up to 30 years, Bluestone offers mortgage applications to a range of people. These include applicants who have past or present credit issues, rent arrears, ATO debts or a discharge in bankruptcy.

Key Benefits

  • Don’t automatically decline an application based on credit score
  • Flexible with documentation for self-employed borrowers
  • They are known for accepting borrowers who don’t fit the ‘standard’ lending criteria


  • Their ‘risk fee’ can be expensive
  • They only lend up to 85% of property value
  • No branch access

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Bluestone Mortgages Home Loan Products Breakdown

Clean Slate

  • Split Loans Available
  • Redraw
  • Flexible payment options

Designed to assist PAYG borrowers who are verifying their income

Clean Slate is designed for customers who have proof of income via payslips and tax assessment notices but are struggling to secure a loan through a mainstream lender due to missing criteria. This product has no mortgage insurance costs although risk fees do apply. Redraw facilities and cash out options are available and, short term or casual employees are considered.

Lite Blue

  • Cash out options
  • No insurance costs
  • Consolidate debts

A hassle-free home loan for self-employed borrowers

Provided you have been in business for 12 months or more, the Lite Blue product is designed to help self-employed customers who have had trouble sourcing finance from mainstream lenders. Cash out is available for business purposes and there are no mortgage insurance costs, but there are ‘risk fees’.

Business Easy

  • Cash out options
  • Income verification
  • Consolidate debts

An easy solution for self-employed or small business owners

Designed for the self-employed or small business owners operating for over three months, the Business Easy loan uses the equity you already have in your home to extend your credit towards investment, business needs or debt consolidation. Cash out options are available for business purposes.

Crystal Blue

  • Competitive rates
  • Cash out
  • 24 month ABN

Enjoy lower rates and risk fees for self-employed borrowers with good credit

With lower rates and ‘risk fees’ than their other products, Crystal Blue is designed to offer a low-documentation option for self-employed borrowers with good credit. A cash out feature for business purposes is also available.

Bluestone Mortgages Home Loan Products Comparison


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Estimated Refinancing Savings

Potential Lender Options

Competitive Interest Rates

Estimated Borrowing Power

Estimated Monthly Loan Repayments

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