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Home Loan Products

Simple. Flexible. Fast. Designed to fit more customers, more often.

Rates starting from 4.44% p.a*

Prime

A competitive home loan for borrowers with clear credit and strong employment history.

Prime is the go-to home loan solution for PAYE and self-employed customers with clear credit. Customers will benefit from our streamlined document requirements, simplified income verification and competitive rates in this product.

Product Features

Competitive interest rates from 4.44% p.a*

Standalone investment properties to 75% LVR

Consolidate up to $100,000 debt

Up to 85% LVR

Cash out for business purposes

Subject to credit assessment and lending criteria. Terms and conditions apply.

Near Prime

A simple home loan for clear credit borrowers who don't quite fit the qualifying criteria for our prime product.

Near Prime is a competitive home loan for clear credit borrowers who don't quite meet the requirements to be eligible for Prime. Near Prime offers more options for refinancing, and accepts more forms of income types and verification documents.

Product Features

Interest rates from 4.99% p.a*

Debt consolidation

NZBN from 12 months and 1 day GST registration

Judgements & defaults < $1000 or > 24 months old ignored

Up to 85% LVR

Standalone investment properties to 75% LVR

Subject to credit assessment and lending criteria. Terms and conditions apply.

Specialist

A flexible home loan for borrowers who have had financial difficulties in the past.

Our Specialist product can help credit impaired borrowers get back on their feet financially with more extensive refinancing options and simplified documentation requirements. No automated credit scoring - we take time to assess each application on a case-by-case basis to fully understand your customers' circumstances.

Product Features

Interest rates from 5.94% p.a*

Debt consolidation

Discharged bankruptcies over 2 years old can be ignored

Up to 2 mortgage payments in arrears within the last 6 months

Judgements & defaults < $1000 or > 12 months old ignored

NZBN registration >12 months & 1 day GST registration

Standalone investment properties to 75% LVR

Subject to credit assessment and lending criteria. Terms and conditions apply.

Specialist+

A straightforward home loan for borrowers who are recovering from financial difficulties.

Specialist+ is a flexible home loan for borrowers who may be unable to obtain finance due to previous credit issues, bankruptcy or defaults. No automated credit scoring - we take the time to assess each application on a case-by-case basis to fully understand your customers' circumstances.

Product Features

Interest rates from 6.04% p.a*

Debt consolidation

Discharged bankruptcies over 2 years old can be ignored

Borrow up to 80% LVR

Up to $200,000 cash out

SIO accepted if 6 months' clear repayments, and the loan includes full repayment

Standalone investment properties to 75% LVR

Subject to credit assessment and lending criteria. Terms and conditions apply.

 

*Interest rates range from 4.44% to 8.14% p.a. Rates are correct as at 23 March 2020 and subject to change at any time.

How can Bluestone help you help more customers?

Bluestone’s loans are designed to be more flexible than those of mainstream lenders. Our customers come from all walks of life, so instead of trying to fit them into predefined boxes, we assess their applications on a case by case basis to find the loan that best fits their needs.

More than half of our customers are self-employed, and we understand the difficulties facing small business operators, both in terms of managing cash flow within a business, and in demonstrating serviceability when it comes to applying for a loan. Some of our customers have had credit problems, and to them we offer an open mind and an understanding approach.