Bluestone Home Loans is one of the Australian home-loan lenders we track daily. We currently surface 8 active products from Bluestone Home Loans, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are Bluestone Home Loans home loan rates?
Bluestone Home Loans home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.84% p.a., last verified 30 Aug 2026. Compare Bluestone Home Loans against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Bluestone Home Loans home loan rate?
The lowest Bluestone Home Loans variable home loan rate Ratesniffers tracks is 6.84% p.a. These figures come from the 8 Bluestone Home Loans products on this page, ranked by comparison rate, last verified 30 Aug 2026.
How many home loan products does Bluestone Home Loans offer?
Ratesniffers currently tracks 8 Bluestone Home Loans home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
8 Bluestone Home Loans home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
Who is Bluestone Home Loans?
Bluestone is an Australian non-bank lender that has helped more than 45,000 borrowers since 2000, specialising in prime and non-prime home loans with case-by-case credit assessment rather than automated scorecards.
That human assessment is the point: self-employed applicants, borrowers with a past credit event and near-miss bank declines get their file read by a person, with pricing tiered to the risk.
Who suits a Bluestone Home Loans home loan?
Bluestone tends to suit borrowers who almost fit bank criteria but not quite: a default that has aged, income the banks discount, or a recent switch to self-employment. Its non-prime tiers cost more than bank rates, so plan the refinance back to mainstream pricing once the file cleans up, and compare against the table above.
Background facts checked 21 July 2026. Rates above refresh independently.
Bluestone Home Loans home loans: frequently asked questions
What are Bluestone Home Loans home loan rates?
Bluestone Home Loans home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.84% p.a., last verified 30 Aug 2026. Compare Bluestone Home Loans against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Bluestone Home Loans balance, use /calculators/extra-repayment.
What is the lowest Bluestone Home Loans home loan rate?
Bluestone Home Loans's lowest variable home loan rate is currently 6.84% p.a., based on the 8 Bluestone Home Loans products Ratesniffers ranks by comparison rate, last verified 30 Aug 2026. The advertised rate isn't always the rate Bluestone Home Loans approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Bluestone Home Loans home loan?
At Bluestone Home Loans's lowest variable rate of 6.84% p.a., a $600,000 principal and interest loan over 30 years repays about $3,928 a month, and $500,000 about $3,273. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Bluestone Home Loans home loan?
There is no single salary. Like every Australian lender, Bluestone Home Loans must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.84% p.a. is assessed at about 9.84% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Bluestone Home Loans's home loan rate compare to the market?
Bluestone Home Loans's lowest variable home loan rate today is 6.84% p.a., which is 60 basis points above the market median of 6.24% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Bluestone Home Loans to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Bluestone Home Loans sits right now rather than a fixed snapshot.
How many home loan products does Bluestone Home Loans offer?
Ratesniffers currently tracks 8 Bluestone Home Loans home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Bluestone Home Loans competitive for refinancing?
It depends on your loan size and LVR. Bluestone Home Loans's lowest comparison rate is currently 7.11% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Bluestone Home Loans against the sharpest available rate usually pays off.
How often are Bluestone Home Loans's home loan rates updated?
Ratesniffers last verified Bluestone Home Loans's home loan rates on 30 Aug 2026. Rates can change whenever Bluestone Home Loans reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.
