Bluestone Home Loans

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0800 668 333

‘My credit card took a battering’

Customer challenges

  • Their credit history may not be perfect
  • They may not meet the requirements of mainstream lenders
  • They could be having trouble keeping on top of their debt repayments

Bluestone solutions

  • One month credit card statement accepted
  • Unlimited debt consolidation
  • Late or missed payments and over the limit on credit cards accepted
  • One day discharge bankrupt accepted
  • No credit scoring – we assess each application on a case-by-case basis

Key Loan Features

  Prime Near Prime Specialist Specialist+
Max loan amount* $2m                            $1.5m $1.5m $1.25m
Max LVR* 80% 80% 80% 80%


24 months

12 months

Debt consolidation

$100,000 of unsecured debt

Unlimited, including tax debt, business debt or privately funded loans

Cash out

$500,000 <75% LRV; $100,00 >75% LVR

Up to $200,000


Ignored if paid up to $500

Up to $1000 or over 24 months ignored

Up to $1000 or over 12 months ignored

Up to 2 over $1000 in the last 12 months ignored

Mortgage Arrears

Up to 14 days

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


*Subject to location, LVR and product selected