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I’m still trying to pick up the pieces
If you have been affected by a significant life event, we can help
- We can accept past bankruptcy, as well as credit card, personal loan and mortgage defaults
- You can consolidate your debt into your home loan for one easy payment, including IRD debt and business loans
- When you’re back on your feet, you can apply to switch to a loan with a lower rate
- We’re flexible with the types of income we accept, including Accomodation supplement*
- We don’t credit score – we assess each application on a case-by-case basis
- Borrow up to $2m*
- Borrow up to 80% of the value of your property*
- No Lender Mortgage Insurance (LMI), which could save you thousands
- Use your home’s equity to get $500,000 cash out on your loan (for full documentation loans)
- Unlimited debt consolidation available, including IRD debt, business loans and loans from private lenders
- Self-employed eligibility from 1 year NZBN, 1 day GST
- Simple self-employed income verification with a customer declaration and either 6 months business bank statements OR 6 months GST OR Accountants Letter
- One day discharge bankrupt accepted
- Keep your loan with us and you can apply to switch to a product with a lower interest rate, subject to review
*Subject to location, LVR and product selected
Subject to credit assessment and lending criteria.
Terms and conditions apply. Risk fees may apply.
Choose a home loan rate option that works for you
Variable rates from
6.94%Variable rate
7.21%Comparison rate**
Subject to credit assessment and lending criteria.
Terms and conditions apply. Risk fees may apply.
Bluestone specialist support
We’re here to help. Simply leave your details and query and we’ll get back to you within business hours.