Bluestone Mortgages

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Bluestone Mortgages

Founded: 1999

Lender Type: Specialist Lender

Owned by: Privately Owned

For borrowers who are financially prepared to take out a home loan but who won’t conform to the expectations of a traditional bank, turning to a specialist lender like Bluestone, one that has a long-standing industry track record and understands the needs of their customers, can be a smart option. This lender will work with borrowers who have poor credit or who may have been turned down by other lenders, looking at your unique situation rather than just your history. You will pay more in interest rates and fees but when you need a solution, rather than a disqualification, a more unconventional lender can help you get a home loan that will work for you. Instead of requiring borrowers to pay lender’s mortgage insurance, which can be difficult to qualify for if you don’t have a good credit history, this lender charges risk fees. Bluestone Mortgages was ranked as the top specialist lender in 2017.

Key Benefits

Low doc options for self-employed borrowers
Flexible borrowing criteria
Solutions for borrowers with bad credit


Higher interest rates
Risk fees can be expensive
Limited home loan features

Home Loan Products

Home Loans Description

Clean Slate

Designed for PAYG borrowers, Bluestone Mortgages Clean Slate offers a flexible product with plenty of options to give you more control over your finances like redraw and the ability to split your loan between variable and fixed rates. As the name implies, this loan can be used even if you have an imperfect credit history or don’t meet conventional lending criteria.

Lite Blue

This low doc home loan is ideal for self-employed borrowers who may have had trouble getting approval from other lenders. As long as you can demonstrate your income for over 12 months, such as with your BAS or bank statements, you can qualify whether you have an excellent credit history or not. For small business owners, you may also benefit from being able to consolidate your debts and taking advantage of a cash out feature for business purposes.

Business Easy

Need a line of credit loan to invest in your business or even for investment purposes? With Bluestone’s Business Easy loan product, you can use the equity you’ve built up in your home to get your business going and consolidate your debts as long as you’ve been in business for at least three months. To make the process easier, you can verify your income with bank statements.

Crystal Blue

Bluestone takes a very human approach with their Crystal Blue home loan product. This is an excellent low doc option for self-employed borrowers with good credit. Rates and risk fees are much lower than with their other mortgage products. Eligibility is based on a flexible income verification process. A cash out feature for business purposes is also available.

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