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Bluestone Prime Home Loan

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $1,250,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $1,250,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $1,250,000 with an LVR below 85%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $1,250,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $1,250,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $1,250,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $1,250,000 with an LVR below 70%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $1,250,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $100,000 and $1,250,000 with an LVR below 70%

The details shown below are for an investor taking out a interest only loan between $100,000 and $1,250,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $100,000 $1,250,000

  • Owner Occupier (Principal & Interest)

    LVR 70%-80%

    Loan: $100,000 $1,250,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-85%

    Loan: $100,000 $1,250,000

  • Owner Occupier (Principal & Interest)

    LVR 85%-90%

    Loan: $100,000 $1,250,000

  • Owner Occupier (Interest Only)

    LVR < 70%

    Loan: $100,000 $1,250,000

  • Owner Occupier (Interest Only)

    LVR 70%-80%

    Loan: $100,000 $1,250,000

  • Investor (Principal & Interest)

    LVR < 70%

    Loan: $100,000 $1,250,000

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $100,000 $1,250,000

  • Investor (Interest Only)

    LVR < 70%

    Loan: $100,000 $1,250,000

  • Investor (Interest Only)

    LVR 70%-80%

    Loan: $100,000 $1,250,000

Rate
2.44% p.a.
Comparison Rate
2.49% p.a.
Service fee
Upfront fee
$710
Go to site
Rate
2.64% p.a.
Comparison Rate
2.69% p.a.
Service fee
Upfront fee
$710
Rate
2.99% p.a.
Comparison Rate
3.04% p.a.
Service fee
Upfront fee
$710
Rate
3.29% p.a.
Comparison Rate
3.34% p.a.
Service fee
Upfront fee
$710
Rate
2.94% p.a.
Comparison Rate
2.99% p.a.
Service fee
Upfront fee
$710
Rate
3.14% p.a.
Comparison Rate
3.19% p.a.
Service fee
Upfront fee
$710
Rate
2.59% p.a.
Comparison Rate
2.64% p.a.
Service fee
Upfront fee
$710
Go to site
Rate
2.79% p.a.
Comparison Rate
2.84% p.a.
Service fee
Upfront fee
$710
Rate
3.09% p.a.
Comparison Rate
3.14% p.a.
Service fee
Upfront fee
$710
Rate
3.29% p.a.
Comparison Rate
3.34% p.a.
Service fee
Upfront fee
$710

Mozo editorial review Bluestone Prime Home Loan - last updated: 14 September 2021

4 / 5
binocular icon
What's hot
  • Variable rates from 2.44% (2.49% comparison rate*)
  • Extra repayments available
  • Online redraw facility
What's not
  • Upfront fees
Mozo snapshot

The Prime Home Loan from online lender Bluestone could provide a low rate option for borrowers looking to purchase their own home or buy an investment property, as variable rates start from just 2.44% (2.49% comparison rate*). An offset account, extra repayments and a redraw facility are also available, though there are a number of fees to weigh up.

key icon
Key features

Bluestone’s Prime Home Loan can be used to borrow between $100,000 and $2,500,000 and it comes with a range of variable rates depending on the type of borrower you are and the type of loan you want (principal and interest or interest-only repayments) and the loan-to-value ratio (LVR) involved.

The lowest variable rates currently available with the loan for different borrowers are: 

  • 2.44% (2.49% comparison rate*) for owner occupiers with an LVR of 70% or below
  • 2.59% (2.64% comparison rate*) for investors with an LVR of 70% or below

Borrowers will have access to a few flexible features with the loan including the option of making additional repayments to pay off their loan balance faster, and an online redraw facility with which they can access those extra repayments (should they need to) down the line. 

There are a few one-off fees to budget for though, including application fee of $590 – although this will be waived on loan applications with a deposit of at least 20% lodged before November 30 – legal ($400), settlement ($120) and discharge fees ($250).

snapshot
Who is it good for

Given the competitive variable rates on offer - for both types of borrowers, but especially for investors – the Prime Home Loan could be an option to consider for borrowers looking to keep their repayments low.

question icon
Any catches

Like most home loans, you’ll need to weigh up the rate and features on offer with Bluestone’s Prime Home Loan against the one-off fees involved.

Picture of Tom Watson
Tom Watson
Finance journalist

Tom Watson is a financial journalist at Mozo and co-host of the Finance Burrito podcast, specialising in fintech, property and business banking. Whether it’s reporting on banking trends or uncovering the latest product innovations, Tom’s mission is to keep our readers up to date with breaking Australian financial news. His work is often sourced in the media and across social media channels. Tom has a degree in Journalism from the University of Technology, Sydney. He is also ASIC RG146 (Tier 2) certified for general advice.

Details

Rates and fees information correct as at 20 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.44% p.a.

n/a

n/a

n/a

2.49% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$590.00

n/a

$0.00

$120.00

n/a

n/a

$250.00

Other financial bits

$100,000

$1,250,000

none

70.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

Legal fees charged at cost starting at $400. Free Valuation for loan amounts less than $2,000,000.

Application fee waived for loans less than or equal to 80% LVR lodged to 30 November 2021.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.64% p.a.

n/a

n/a

n/a

2.69% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$590.00

n/a

$0.00

$120.00

n/a

n/a

$250.00

Other financial bits

$100,000

$1,250,000

70.00%

80.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

Legal fees charged at cost starting at $400. Free Valuation for loan amounts less than $2,000,000.

Application fee waived for loans less than or equal to 80% LVR lodged to 30 November 2021.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.99% p.a.

n/a

n/a

n/a

3.04% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$590.00

n/a

$0.00

$120.00

n/a

n/a

$250.00

Other financial bits

$100,000

$1,250,000

80.00%

85.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

Legal fees charged at cost starting at $400. Free Valuation for loan amounts less than $2,000,000.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.29% p.a.

n/a

n/a

n/a

3.34% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$590.00

n/a

$0.00

$120.00

n/a

n/a

$250.00

Other financial bits

$100,000

$1,250,000

85.00%

90.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

90% LVR for Sydney, Melbourne and Brisbane Metro owner occupied loans only. Legal fees charged at cost starting at $400. Free Valuation for loan amounts less than $2,000,000.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.94% p.a.

n/a

n/a

n/a

2.99% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$590.00

n/a

$0.00

$120.00

n/a

n/a

$250.00

Other financial bits

$100,000

$1,250,000

none

70.00%

Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

Legal fees charged at cost starting at $400. Free Valuation for loan amounts less than $2,000,000.

Application fee waived for loans less than or equal to 80% LVR lodged to 30 November 2021.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.14% p.a.

n/a

n/a

n/a

3.19% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$590.00

n/a

$0.00

$120.00

n/a

n/a

$250.00

Other financial bits

$100,000

$1,250,000

70.00%

80.00%

Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

Legal fees charged at cost starting at $400. Free Valuation for loan amounts less than $2,000,000.

Application fee waived for loans less than or equal to 80% LVR lodged to 30 November 2021.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.59% p.a.

n/a

n/a

n/a

2.64% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$590.00

n/a

$0.00

$120.00

n/a

n/a

$250.00

Other financial bits

$100,000

$1,250,000

none

70.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

Legal fees charged at cost starting at $400. Free Valuation for loan amounts less than $2,000,000.

Application fee waived for loans less than or equal to 80% LVR lodged to 30 November 2021.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.79% p.a.

n/a

n/a

n/a

2.84% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$590.00

n/a

$0.00

$120.00

n/a

n/a

$250.00

Other financial bits

$100,000

$1,250,000

70.00%

80.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

Legal fees charged at cost starting at $400. Free Valuation for loan amounts less than $2,000,000.

Application fee waived for loans less than or equal to 80% LVR lodged to 30 November 2021.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.09% p.a.

n/a

n/a

n/a

3.14% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$590.00

n/a

$0.00

$120.00

n/a

n/a

$250.00

Other financial bits

$100,000

$1,250,000

none

70.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

Legal fees charged at cost starting at $400. Free Valuation for loan amounts less than $2,000,000.

Application fee waived for loans less than or equal to 80% LVR lodged to 30 November 2021.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.29% p.a.

n/a

n/a

n/a

3.34% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$590.00

n/a

$0.00

$120.00

n/a

n/a

$250.00

Other financial bits

$100,000

$1,250,000

70.00%

80.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

Legal fees charged at cost starting at $400. Free Valuation for loan amounts less than $2,000,000.

Application fee waived for loans less than or equal to 80% LVR lodged to 30 November 2021.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

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About Bluestone

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.