Bluestone Mortgages
Specialist LenderBluestone Mortgages is a Welsh-headquartered specialist lender with Australian parent company backing, focused on adverse credit and self-employed mortgage lending. They are known for their transparent approach to credit impairment, providing clear criteria that help brokers place cases with confidence.
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Lending Focus
Bluestone Mortgages offers mortgage products across 2 categories including Residential, Adverse Credit.
Key Features
- Transparent adverse credit criteria with clear guidelines
- Backed by Australian parent company for funding stability
- Self-employed lending with flexible income verification
- Accepts discharged bankrupts and IVAs
- Award-winning broker service from Cardiff HQ
Pros & Cons
Pros
- Transparent adverse credit criteria with clear published guidelines
- Backed by Australian parent company for funding stability
- Accepts discharged bankrupts and IVAs
- Award-winning broker service and support
Cons
- –Broker-only — cannot apply direct
- –Higher rates than mainstream lenders
- –Residential only — no buy-to-let products
Fees & Charges
Arrangement Fee
Typically £995 — varies by product tier
Valuation Fee
Based on property value — usually £200–£1,200
Early Repayment Charge
Typically 3–5% during fixed-rate period
Overpayment Allowance
Up to 10% per year on most products
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Bluestone Mortgages. In the meantime, visit their website for the latest rates.
View rates on Bluestone MortgagesApplication Process
Processing Time
2–4 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months
Lending Criteria
Maximum LTV
85%
Frequently Asked Questions
Can I get a Bluestone mortgage after bankruptcy?
Is Bluestone Mortgages an Australian company?
What makes Bluestone different from other adverse credit lenders?
Does Bluestone Mortgages accept self-employed borrowers?
How to Apply
Broker Only
Bluestone Mortgages products are only available through mortgage brokers. Use our broker directory to find a broker with Bluestone Mortgages on their lender panel.
Contact Information
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.