The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,500,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,500,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,500,000 with an LVR below 85%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,500,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $2,500,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $2,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $2,500,000 with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $2,500,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $100,000 and $2,500,000 with an LVR below 70%
The details shown below are for an investor taking out a interest only loan between $100,000 and $2,500,000 with an LVR below 80%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 70% | $100,000 | $2,500,000 |
| | Owner Occupier | Principal & Interest | 70%-80% | $100,000 | $2,500,000 |
| | Owner Occupier | Principal & Interest | 80%-85% | $100,000 | $2,500,000 |
| | Owner Occupier | Principal & Interest | 85%-90% | $100,000 | $2,500,000 |
| | Owner Occupier | Interest Only | < 70% | $100,000 | $2,500,000 |
| | Owner Occupier | Interest Only | 70%-80% | $100,000 | $2,500,000 |
| | Investor | Principal & Interest | < 70% | $100,000 | $2,500,000 |
| | Investor | Principal & Interest | 70%-80% | $100,000 | $2,500,000 |
| | Investor | Interest Only | < 70% | $100,000 | $2,500,000 |
| | Investor | Interest Only | 70%-80% | $100,000 | $2,500,000 |
Owner Occupier (Principal & Interest)
LVR < 70%
Loan: $100,000 $2,500,000
Owner Occupier (Principal & Interest)
LVR 70%-80%
Loan: $100,000 $2,500,000
Owner Occupier (Principal & Interest)
LVR 80%-85%
Loan: $100,000 $2,500,000
Owner Occupier (Principal & Interest)
LVR 85%-90%
Loan: $100,000 $2,500,000
Owner Occupier (Interest Only)
LVR < 70%
Loan: $100,000 $2,500,000
Owner Occupier (Interest Only)
LVR 70%-80%
Loan: $100,000 $2,500,000
Investor (Principal & Interest)
LVR < 70%
Loan: $100,000 $2,500,000
Investor (Principal & Interest)
LVR 70%-80%
Loan: $100,000 $2,500,000
Investor (Interest Only)
LVR < 70%
Loan: $100,000 $2,500,000
Investor (Interest Only)
LVR 70%-80%
Loan: $100,000 $2,500,000
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*). Extra repayments and a redraw facility are also available, though there are a number of fees to weigh up.
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:
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 ($590), legal ($400), settlement ($120) and discharge fees ($250).
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.
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.
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
$590.00
n/a
$0.00
$120.00
n/a
n/a
$250.00
$100,000
$2,500,000
none
70.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
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.
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
$590.00
n/a
$0.00
$120.00
n/a
n/a
$250.00
$100,000
$2,500,000
70.00%
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
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.
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
$590.00
n/a
$0.00
$120.00
n/a
n/a
$250.00
$100,000
$2,500,000
80.00%
85.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
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.
3.54% p.a.
n/a
n/a
n/a
3.59% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$590.00
n/a
$0.00
$120.00
n/a
n/a
$250.00
$100,000
$2,500,000
85.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
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.
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
$590.00
n/a
$0.00
$120.00
n/a
n/a
$250.00
$100,000
$2,500,000
none
70.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
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.
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
$590.00
n/a
$0.00
$120.00
n/a
n/a
$250.00
$100,000
$2,500,000
70.00%
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
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.
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
$590.00
n/a
$0.00
$120.00
n/a
n/a
$250.00
$100,000
$2,500,000
none
70.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
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.
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
$590.00
n/a
$0.00
$120.00
n/a
n/a
$250.00
$100,000
$2,500,000
70.00%
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
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.
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
$590.00
n/a
$0.00
$120.00
n/a
n/a
$250.00
$100,000
$2,500,000
none
70.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
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.
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
$590.00
n/a
$0.00
$120.00
n/a
n/a
$250.00
$100,000
$2,500,000
70.00%
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
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.
Bluestone is one of Australia's fastest growing financial services groups, with a range of specialist home loans for people who fall outside traditional lending criteria. If you're self employed or worried about bad credit affecting your chance of getting a home loan, check out Bluestone Mortgages' range of alternatives including low doc home loans and consolidation loans. Bluestone Mortgages also has an award winning reverse mortgage for those looking to unlock the equity in their home.
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1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
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1.98% p.a.
fixed 3 years
3.56% p.a.
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1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
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1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% p.a.
Yard
Variable Home Loan Special
2.09% p.a.
2.12% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
Homestar
Star Classic Fixed Home Loan
n/a
n/a
People's Choice Credit Union
Fixed Rate Home Loan (Package)
1.89% p.a.
fixed 3 years
3.03% p.a.
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Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
$0.00
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% p.a.
$0.00
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.
