Bluestone Home Loans

Call your BDM or a

Bluestone specialist on



A home loan for customers who are recovering from financial difficulties.

Specialist+ might be the right product for customers who find it hard to obtain finance due to previous credit issues, bankruptcy or defaults.

No automated credit scoring – we assess each application on a case-by-case basis to fully understand the customer’s circumstances.

Product Features

  • Can borrow up to $2m
  • Borrow up to 80% LVR
  • Unlimited cash out up to 80%, $200k > 80%
  • Unlimited debt consolidation including ATO debt, business debt or privately funded loans
  • Defaults/Judgements ignored
  • Discharged bankruptcies acceptable if more than 1 day
  • Part IX and X debt agreements can be paid out (with good repayment history)

Specialist+ Rates

Owner Occupied Full Doc

LVRPrincipal & Interest RateComparison Rate**Interest Only RateIO Comparison Rate**Risk Fee
60%9.59% pa9.98% pa9.89% pa10.58% pa1.00%
65%9.59% pa9.98% pa9.89% pa10.58% pa1.00%
70%9.59% pa9.98% pa9.89% pa10.58% pa1.00%
75%9.74% pa10.19% pa10.04% pa10.80% pa1.50%
80%9.74% pa10.26% pa10.04% pa10.86% pa2.00%
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Need a quick answer on a loan scenario?

Call our Scenario Hotline on 13 BLUE to speak directly to a Senior Underwriter – they will be happy to answer any policy questions, workshop your customer’s scenario and help with your loan submission.

Call a Bluestone specialist