Call your BDM or a
Bluestone specialist on
Specialist+
A home loan for customers who are recovering from financial difficulties.
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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
| LVR | Principal & Interest Rate | Comparison Rate** | Interest Only Rate | IO Comparison Rate** | Risk Fee |
|---|---|---|---|---|---|
| ≤ 60% | 9.59% pa | 9.98% pa | 9.89% pa | 10.58% pa | 1.00% |
| ≤ 65% | 9.59% pa | 9.98% pa | 9.89% pa | 10.58% pa | 1.00% |
| ≤ 70% | 9.59% pa | 9.98% pa | 9.89% pa | 10.58% pa | 1.00% |
| ≤ 75% | 9.74% pa | 10.19% pa | 10.04% pa | 10.80% pa | 1.50% |
| ≤ 80% | 9.74% pa | 10.26% pa | 10.04% pa | 10.86% pa | 2.00% |
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.