1.0/10

Based on 19 Bluestone product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

Bluestone home loans

Founded in 2000, Bluestone is an Australian financial services group with a range of specialist home loans for those who fall outside traditional lending criteria, including options for self employed borrowers. Check out the home loans on offer with Bluestone, including the rates, features and fees involved, below. 

What home loans do Bluestone offer?

Rates and fees verified as correct at 26 May 2024. Other information correct at the time of writing. Advertiser disclosure.

Variable Rate Home Loans

Bluestone offer a number of options for different borrowers who are looking for a variable rate home loan, including the Prime Home Loan for owner occupiers and investors. The Prime Home Loan is available on amounts from $100,000 to $250,000 and customers can borrow up to 90% of the property's value, plus it comes with flexible features such as additional repayments and an online redraw facility. There are a number of fees attached to the loan though, but you can find out more about those, as well as the other details involved, by checking out the linked reviews below. 

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

7.74% p.a.

8.09% p.a.

$1,110

7.74% p.a.

8.09% p.a.

$1,110

8.29% p.a.

8.65% p.a.

$1,110

8.69% p.a.

9.17% p.a.

$4,110

7.59% p.a.

7.94% p.a.

$1,110

7.59% p.a.

7.94% p.a.

$1,110

7.59% p.a.

7.94% p.a.

$1,110

7.99% p.a.

8.08% p.a.

$1,110

8.39% p.a.

8.60% p.a.

$4,110

7.29% p.a.

7.38% p.a.

$1,110

7.29% p.a.

7.38% p.a.

$1,110

7.29% p.a.

7.38% p.a.

$1,110

7.44% p.a.

7.53% p.a.

$1,110

7.44% p.a.

7.53% p.a.

$1,110

8.04% p.a.

8.09% p.a.

$1,110

8.04% p.a.

8.09% p.a.

$1,110

8.59% p.a.

8.65% p.a.

$1,110

8.99% p.a.

9.17% p.a.

$4,110

7.89% p.a.

7.94% p.a.

$1,110

7.89% p.a.

7.94% p.a.

$1,110

7.89% p.a.

7.94% p.a.

$1,110

7.74% p.a.

7.83% p.a.

$1,110

7.74% p.a.

7.83% p.a.

$1,110

8.29% p.a.

8.38% p.a.

$1,110

8.69% p.a.

8.91% p.a.

$4,110

7.59% p.a.

7.68% p.a.

$1,110

7.59% p.a.

7.68% p.a.

$1,110

7.59% p.a.

7.68% p.a.

$1,110

How are Bluestone home loans rated?

Mozo users have rated Bluestone home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
Bluestone home loans customer reviews
Overall
1.0/10
Price
0.9/10
Features
1.2/10
Customer service
1.1/10
Convenience
0.8/10
Trust
0.9/10
Based on 19 Bluestone product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Bluestone home loan reviews

Bluestone Home Loan
Overall 1/10
No Good

Total lack of communication between departments Unable to meet deadlines. Don’t use

Read full review

Total lack of communication between departments Unable to meet deadlines. Don’t use

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Cherylyn, Queensland, reviewed almost 2 years ago
Bluestone Home Loan
Overall 1/10
Interest moratorium

Has any one asked for a moratorium on the interest during Covid. If so was it granted, and if not were you told why the answer was no. As any one asked for proof as to its Bluestone policy to refuse.

Read full review

Has any one asked for a moratorium on the interest during Covid. If so was it granted, and if not were you told why the answer was no. As any one asked for proof as to its Bluestone policy to refuse.

Price
1/10
Features
1/10
Customer service
2/10
Convenience
1/10
Trust
1/10
Less
Alan, Victoria, reviewed over 2 years ago
Bluestone Home Loan
Overall 1/10
High interest loan sharks.

My mother refinanced her mortgage with Bluestone and during this time of Covid-19 they did not reduce the interest rate which is close to 7% interest on her home loan. I called on behalf of my mother as my name is on as a 3rd party contact and I was told it was not what they do - disgusting especially at this time when rates are less than 1%. My mother is a pensioner and I am assisting to pay her loan which is about $600/week. Also because she is a pensioner we cannot refinance this Bluestone loan. Stay clear away from Bluestone there are plenty of other more reasonable and fairer lenders.

Read full review

My mother refinanced her mortgage with Bluestone and during this time of Covid-19 they did not reduce the interest rate which is close to 7% interest on her home loan. I called on behalf of my mother as my name is on as a 3rd party contact and I was told it was not what they do - disgusting especially at this time when rates are less than 1%. My mother is a pensioner and I am assisting to pay her loan which is about $600/week. Also because she is a pensioner we cannot refinance this Bluestone loan. Stay clear away from Bluestone there are plenty of other more reasonable and fairer lenders.

Price
1/10
Features
1/10
Customer service
2/10
Convenience
1/10
Trust
1/10
Less
Rozi, Queensland, reviewed over 3 years ago
Bluestone Home Loan
Overall 1/10
Appalling!

As others have said stay clear of this company for mortgages. Interest rates are not competitive. Customer service is appalling. Refused to discuss rendering any assistance and put me through to the hardship department when I was reporting my payment would be 2 days late. I have been bullied repeatedly by this mob. I sold my beloved house to get rid of this noose around my neck!

Read full review

As others have said stay clear of this company for mortgages. Interest rates are not competitive. Customer service is appalling. Refused to discuss rendering any assistance and put me through to the hardship department when I was reporting my payment would be 2 days late. I have been bullied repeatedly by this mob. I sold my beloved house to get rid of this noose around my neck!

Price
1/10
Features
1/10
Customer service
1/10
Trust
1/10
Less
Brenda, South Australia, reviewed over 3 years ago
Bluestone Home Loan
Overall 1/10
Stay clear if you don't want to lose your home

If I had of been around when my father took out a reverse mortgage from these guys I would have done my research. Unfortunately for a company like this they thrive on the people that don't understand a hell of a lot. When my father borrowed against the home $15000 turned into $111,000 over 5 years that he had to pay. Instead of this company taking his house, we decided to sell the house and pay out the balance. They then decided they wanted another $20,000 on top of the $111,000 to exit. This company is nothing but a money hungry company that everyone needs to stay clear off. They are disrespectful to say the least and its immoral and unethical to offer a person a loan on their home and charge such an exorbitant interest rate.

Read full review

If I had of been around when my father took out a reverse mortgage from these guys I would have done my research. Unfortunately for a company like this they thrive on the people that don't understand a hell of a lot. When my father borrowed against the home $15000 turned into $111,000 over 5 years that he had to pay. Instead of this company taking his house, we decided to sell the house and pay out the balance. They then decided they wanted another $20,000 on top of the $111,000 to exit. This company is nothing but a money hungry company that everyone needs to stay clear off. They are disrespectful to say the least and its immoral and unethical to offer a person a loan on their home and charge such an exorbitant interest rate.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Maisey, New South Wales, reviewed almost 4 years ago

What do you need to apply for a Bluestone home loan?

Like the idea of a home loan from Bluestone? You'll be able to start an application and even see if you pre-qualify via the Bluestone website, but before you get started you may want to gather some of the following bits of information together:

Home loan quick links