Bluestone Home Loans

Call your BDM or a

Bluestone specialist on


credit impaired page headers

‘My credit card took a battering’

Customer challenges

  • Their credit history may not be perfect
  • They may not meet the requirements of mainstream lenders
  • They could be having trouble keeping on top of their debt repayments

Bluestone solutions

  • One month credit card statement accepted
  • Unlimited debt consolidation
  • Late or missed payments and over the limit on credit cards accepted
  • One day discharge bankrupt accepted
  • No credit scoring – we assess each application on a case-by-case basis
  • Customers can upgrade to a loan with a lower rate, subject to review

Key Loan Features

  Prime Near Prime Specialist Specialist+
Max loan amount* $3m $2.5m $2m
Max LVR* 90% (no LMI)

85% (no LMI)

80% (no LMI)


ABN 24 months, GST 12 months

ABN 12 months, GST 1 day

Full Doc – ABN 12 months, GST 1 day

Alt Doc – ABN 6 months, GST 1 day

Debt consolidation


Unlimited, including ATO debt, business debt or privately funded loans

Cash out

Unlimited – where >$200k or 50% of value evidence of purpose required

Unlimited up to 80%, $200k > 80%


Ignored if paid up to $500

Up to $2000 or over 24 months ignored

Up to $2000 or over 12 months ignored

All ignored

Mortgage Arrears

Up to 14 days

Less than 1 month

Less than 2 months

Less than 3 months

Discharged bankruptcy


Acceptable if more than 2 years

Acceptable if more than 1 day

Part IX, X agreements

  Discharge more than 2 years Discharge more than 1 day

6 months’ clear repayments

*Subject to location, LVR and product selected

Need a quick answer on a loan scenario?

Call us on 13 BLUE to speak directly to a Bluestone specialist – they will be happy to answer any policy questions, workshop your customer’s scenario, and help with your loan submission.

Call a Bluestone specialist