Bluestone Home Loans


Bluestone mortgages is a provider of home loans whose products are designed for people who are having difficulty sourcing finance from other lenders.

What types of home loans does Bluestone offer?

At the time of writing, Bluestone offers the following four types of home loans:

Clean Slate

Bluestone says this loan is designed for customers who have proof of income through payslips, full financials or tax assessment notices. Features include no mortgage insurance costs, a redraw facility available, cash out options, split loans, and fixed interest rates for two or three years at the same rate as variable. Bluestone says it also accepts customers with short term and casual employment.

Business Easy

This loan is designed for customers who are self-employed or small businesses owners. Bluestone says customers may be eligible if they have had an ABN for three months or more. Features may include cash out options for business purposes and consolidation of an unlimited number of existing debts.

Lite Blue

This loan is designed for customers who are self-employed and have been in business for 12 months or more. Bluestone says this loan may be available for people who may have experienced difficulty sourcing finance from mainstream lenders. Features may include cash out options for business purposes, consolidation of existing debts into a single repayment, no mortgage insurance costs and payout tax or business debts.

Crystal Blue

According to Bluestone, this loan is designed for customers who want to buy a home or interest-only investment property. Features may include cash out for business purposes, interest only finance for residential investment properties and payout tax or business debts.

Canstar does not currently compare Bluestone home loans, but you can compare other home loan providers on Canstar’s database:

Compare Home Loans

Bluestone home loan features

  • Loan terms up to 30 years
  • Borrowing capacity up to 85%
  • Weekly, fortnightly and monthly payment options
  • Interest-only payments for residential investment home loans (for three or five years)
  • Fixed rates (for two or three years)
  • Redraw facility (on selected products)
  • Debt consolidation or multiple debts
  • Line of credit facility

The inclusions above represent a selection of the features that may be available with Bluestone home loans. Canstar is not making any suggestion or recommendation to you about a particular product. Additional conditions may apply to different features. Check upfront with Bluestone and ensure that you read the product disclosure statement (PDS) or other loan documentation to determine all the current loan terms and conditions for the product you are considering, and whether it meets your needs, before committing to it.

Bluestone home loans FAQs

If you decide to apply for a Bluestone home loan, you can get a quote through its website, by email or over the phone.

But first you might like to take a look at our applying for a home loan checklist for some pointers, and use the Canstar website to compare other home loans before choosing a product that suits your needs:

Compare Home Loans

Bluestone offers a redraw facility their Clean Slate home loan. Fees and charges may apply to use of a redraw facility. Contact Bluestone for details.

If you’re in the market for a home loan, compare some of your home loan options with Canstar:

Compare Home Loans

Bluestone was launched in 2000 and says it has had over 22,000 clients. Bluestone specialises in lending to people who may have difficulty borrowing from mainstream banking. It says its home loans are designed to suit the needs of home buyers, self-employed business owners and PAYG borrowers.

Compare Home Loans

Written by: Tamika Seeto | Last updated: December 4, 2018