Our Customers

Bluestone’s loans are designed to be more flexible than those of traditional lenders. Our customers come from all walks of life and we believe we serve a broader and more representative cross-section of the community than any other lender. Many 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 (we don’t find that surprising as around 10-15% of the community have) and to them we offer an open mind and an understanding approach.

Multiple Income Streams

Where we work, how we work and how often we work is changing. Today it's not unusual for people to have more than one job, get paid regular overtime or get most of their income from regular bonuses.

We think about things like this when we make our decisions, which means we can help more people.

If this is you and other lenders have been unable to help contact us today.

  • Rental Income
  • Regular Overtime/Bonuses
  • Centrelink Payments used as secondary income
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Contractors

Working on a fixed term or rolling contract could mean you work a little differently than most, you may have irregular income and/or are not receiving payslips. This shouldn't mean that you can't get a mortgage.

By assessing each application on its merits we look at the bigger picture and base decisions on your individual circumstances not pre-determined criteria.

Contact us today and see how we can help you. 

  • Multiple short-term contracts
  • Irregular Income
  • No payslips
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Credit Impaired

Most lenders use a credit scoring system to work out if they’ll give you a mortgage. If you don't get a high enough score you won't get your loan and in many cases you won't be told why.

We take the time to understand your personal circumstances and then make a decision which we believe is much fairer and more transparent. So if you have been knocked back by a bank we may still be able to help. Contact us today to find out how.

  • Re-financing your existing loan
  • Consolidating multiple debts
  • Investing in property
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Self Employed

More people than ever are now self employed, but it can still be difficult for some to get a mortgage. At Bluestone we work a little differently than most and treat every deal on its own merits, taking the time to understand the circumstances of each individual client.

Our common sense approach means we can help more self employed and small business borrowers. We accept bank statements and/or BAS for income verification and do not rely on credit scores or LMI criteria.
 

  • Business Investment
  • Tax Time Solutions
  • Debt Consolidation
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