Bluestone Home Loans

Call your BDM or a

Bluestone specialist on



A flexible home loan for customers getting back on their feet financially.

Our Specialist product can help customers get back on their feet financially with flexible options for refinance and debt consolidation, plus simplified documentation requirements.

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

Product Features

  • Unlimited debt consolidation including ATO debt, business debt or privately funded loans
  • Unlimited cash out up to 80%, $200k > 80%
  • Discharged bankruptcies acceptable if more than 1 day
  • Judgements & defaults up to $2,000 or older than 12 months old ignored
  • Borrow up to 85% LVR without paying Lenders Mortgage Insurance (LMI)
  • 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%8.54% pa8.89% pa8.84% pa9.49% pa0.75%
65%8.54% pa8.89% pa8.84% pa9.49% pa0.75%
70%8.54% pa8.89% pa8.84% pa9.49% pa0.75%
75%8.74% pa9.18% pa9.04% pa9.79% pa1.50%
80%8.74% pa9.18% pa9.04% pa9.79% pa1.50%
85%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