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Bluestone Home Loans

POLICY

Introduction
1. Borrowers
2. Loan Purpose
3. Identifying Borrowers
4. Loan Amount rules
5. Maximum Loan to Value Ratio (LVR)
6. Cash out limits
7. Documentary Requirements by Purpose/Product
8. Credit Impairment
9. Credit (CRA Report) Events
10. Employment and Income
  1. PAYG Full Time
  2. PAYG Part Time
  3. PAYG Contract
  4. PAYG Casual
  5. PAYG Overtime And Shift Allowance
  6. PAYG Bonus And Commissions
  7. PAYG Parental Leave
  8. PAYG Payslip Deductions
  9. Self Employed Fully Verified
  10. Self Employed Alt
  11. Self Employed Alt Doc BAS
  12. Self Employed Alt Doc Business Bank Statements
  13. Self Employed Alt Doc Accountants Letter
  14. Other Income Rental
  15. Other Income Pensions And Government Benefits
  16. Other Income Superannuation
  17. Other Income Child Maintenance
  18. Other Income Income Protection And Workers Compensation
  19. Other Income Austudy
  20. Other Income Scholarship
  21. Other Income Foster Carer
  22. Other Income Seasonal
  23. Other Income Investment
  24. Other Income Trust Distributions
  25. Unacceptable Income
11. Serviceability
12. Securities and Valuations
13. Valuation Criteria
14. Approvals, Declines or Withdrawals
15. Exit Strategy
16. Independent Legal Advice (ILA)
17. Variations and Increases

RESOURCES

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1. Borrowers

Introduction

Purpose

This document outlines the acceptable parameters by which Bluestone assesses residential lending applications.

1. Borrowers