Bluestone Home Loans

Call your BDM or a

Bluestone specialist on


‘I’m still trying to pick up the pieces’

Customer challenges

  • They could be unable to obtain finance due to previous credit issues, bankruptcy or defaults.
  • They may receive income types not accepted by mainstream lenders
  • Covid may have negatively affected their income or business

Bluestone solutions

  • Past bankruptcy, credit card, personal loan and mortgage defaults accepted
  • Unlimited debt consolidation, including ATO debt and business debts
  • Customers can upgrade to a loan with a lower rate, subject to review
  • Flexibility with income types, including Jobkeeper and Government assistance payments*
  • No credit scoring – we assess each application on a case-by-case basis

Key Loan Features

  Near Prime Specialist Specialist+
Max loan amount* $3m $2.5m $2m
Max LVR*

90% (no LMI)

85% (no LMI)

80% (no LMI)


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%


Up to $2000 or over 24 months ignored

Up to $2000 or over 12 months ignored

All ignored

Mortgage Arrears

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