Bluestone Home Loans

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0800 668 333

‘I’m still trying to pick up the pieces’

Customer challenges

  • They could be unable to obtain finance due to previous credit issues, bankruptcy or defaults.
  • They may receive income types not accepted by mainstream lenders
  • Covid may have negatively affected their income or business

Bluestone solutions

  • Past bankruptcy, credit card, personal loan and mortgage defaults accepted
  • Unlimited debt consolidation, including tax debt and business debts
  • Ability to upgrade to a Prime loan that may have a lower rate
  • Flexibility with income types, including Jobkeeper and Government assistance payments*
  • No credit scoring – we assess each application on a case-by-case basis

Key Loan Features

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


12 months

Debt consolidation

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

Cash out

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

Up to $200,000


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

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