Bluestone Home Loans

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0800 668 333

‘I don’t have all of my paperwork’

Customer challenges

  • They may be self-employed for a short period of time
  • Their previous years’ financials don’t tell the full story
  • They may not have their most recent financials or tax returns completed

Bluestone solutions

  • Up to $500k cash out for business purposes, home renovations or a large purchase.
  • Flexibility with income verification
  • Unlimited debt consolidation including tax debt and business loans
  • No credit scoring – we assess each application on a case-by-case basis
  • Only one income verification document is required for Alt Doc loans

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