Variable
Bluestone Prime Variable
- Self-employed-friendly
- Optional offset
Current rate: published on Bluestone's own rate card
Non-bank
Bluestone Mortgages
SydneyFounded 2000Australian Credit Licence 390183
Bluestone at a glance
Bluestone Mortgages is a non-bank lender. It offers home loans.
- Lender type
- Non-bank
- Bank or non-bank
- Non-bank lender (not an ADI)
- Credit licence
- ACL 390183, Bluestone Servicing Pty Ltd
- Lends
- Home loans
- Headquarters
- Sydney
Strengths
- Specialist near-prime and bad-credit home loans
- Self-employed and alt-doc capable
- Files with credit impairments accepted
Watch out for
- Pricing materially above prime
- Specialist tiers reflect credit overlay
Bluestone loans and products
What Bluestone offers in each category, with the features, eligibility and trade-offs we note. For the current rate on each product, follow the link to Bluestone’s own rate card.
Bluestone home loans
Compare home loans lenders →Variable
Bluestone Near-Prime Variable
- Credit-impaired borrowers
- Bank statement income evidence
Current rate: published on Bluestone's own rate card
Alternatives to Bluestone
Other lenders in our directory that offer home loans, starting with other non-bank lenders.
- FirstmacNon-bank · Home loans
- La Trobe FinancialNon-bank · Home loans, Business loans
- Liberty FinancialNon-bank · Home loans, Car loans, Personal loans, Business loans
- Pepper MoneyNon-bank · Home loans, Car loans, Personal loans
- RedZedNon-bank · Home loans, Business loans
- Resimac GroupNon-bank · Home loans
More on Bluestone
- Bluestone review
Who they suit, who should look elsewhere, and the verdict.
- Pepper Money vs Bluestone Mortgages
Two non-bank specialist home loan lenders side-by-side. Self-employed alt-doc capability, credit tier structure, and which lender wins which file.
Bluestone: frequently asked questions
Is Bluestone a bank?
No. Bluestone is a non-bank lender: it is not on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959. Its Australian Credit Licence is 390183, held by Bluestone Servicing Pty Ltd, and lending to consumers under a credit licence is regulated by ASIC under the National Consumer Credit Protection Act 2009.
What is Bluestone’s credit licence number?
Bluestone Servicing Pty Ltd holds Australian Credit Licence 390183. You can check a licence on ASIC’s Professional Registers before you apply.